About the rates we publish
All gold and silver rates published on GoldRateTodayLive are derived from the India Bullion and Jewellers Association Ltd. (IBJA) national reference rate. Per-city rates apply a small documented premium (typically 0–1.5%) to the IBJA national rate to reflect local handling and demand intensity.
Rates are indicative, not transactional. The actual price you pay at any jeweller, bank, or bullion dealer in India will differ from the published rate because of:
- Making charges (8% to 25% on jewellery, varying with design complexity)
- 3% GST on the total of (gold value + making charges)
- Brand premium at branded chains (typically an additional 0.3–1.0% per gram over IBJA)
- Local market conditions on a given day
No investment advice
Nothing on this site is investment, financial, tax, or legal advice. We do not recommend buying or selling gold or silver. We do not predict future prices. We do not endorse specific jewellers, bullion dealers, banks, gold-loan companies, ETFs, or Sovereign Gold Bond tranches. If you need investment advice, consult a SEBI-registered investment adviser.
Calculator output is illustrative
All calculators on this site (gold loan, jewellery price, SGB returns, gold ROI, gold vs FD, etc.) produce illustrative output based on the inputs you provide. They do not guarantee that any institution will offer those terms. Actual loan rates, processing fees, prepayment penalties, and bond coupon rates are subject to change and are decided by the issuing institution.
Affiliate disclosure
This site may, at its discretion, include affiliate links to financial products. Where present, such links are clearly marked. We do not allow affiliate considerations to influence editorial content or rate publication.
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Source acknowledgement
Rate data: India Bullion and Jewellers Association Ltd. (IBJA). Hallmarking and HUID: Bureau of Indian Standards (BIS). SGB and gold ETF data: Reserve Bank of India (RBI), AMFI, individual AMC websites. We are not affiliated with any of these organisations.
Errors
We make every effort to publish accurate rates and content, but errors can occur. If you find an error, email [email protected] with the page URL and a description, and we will correct it within 48 hours.