Gold Rate Today per 4 Grams - 22K & 24K Price in India

A small gold chain sits in the cupboard, and the school fee notice sits on the table. Before either gets weighed at a counter, one number matters: the 4 grams of gold price. At current market levels, 4 grams of 22K gold costs approximately ₹52,760 and 24K around ₹57,600, going by a per-gram rate of roughly ₹13,190 and ₹14,400 respectively. The rate resets every trading morning, tracking the national market. And a pledge, says through an IIFL Finance Gold Loan, turns that same 4 grams into cash without a sale. This page lays out today's 4-gram table for 18K, 22K and 24K, the four things that move the price, the calculation formula with two worked examples, the 22K versus 24K question, the gold loan maths under the new RBI tiers, and a 10-day trend table.

4 Grams Gold Price Today in India

The table below shows the indicative 4 grams of gold price for three purities, sourced from national market data (MCX and jeweller association rates) and refreshed each morning. Read it row by row. One purity, one price. The change column shows the movement against yesterday.

Note: All figures are approximate. Actual amounts, fees, coverage percentages and eligibility criteria may vary based on lender, borrower profile, loan category and applicable guidelines at time of application.

City level quotes can float a little above or below these numbers as local associations add their own margins. The 4-gram gold rate at a shop in Nagpur will rarely match the rupee rate of the same at a shop in Kochi.

What Affects the 4-Gram Gold Price?

Four forces do most of the work:

• International spot price. Gold trades globally in US dollars, and the Indian rate follows that benchmark once converted to rupees.
• The INR-USD exchange rate. A weaker rupee makes imported gold costlier, so the local rate climbs even on a flat global day.
• Import duty and GST. Customs duty sits inside the landed cost, and 3% GST is added when you buy.
• Local demand cycles. Wedding months and festivals push buying up, and the daily rate feels

None of these moves alone. Some days they pull in opposite directions, which is why the rate can barely budge even when world prices swing.

How to Calculate the Price of 4 Grams of Gold

The standard formula is simple: Gold Value = Weight (g) x Rate per gram x (Purity / 24). The rate per gram here is the 24K rate.

Worked example one, 22K. Take a 24K rate of around ₹14,400 per gram. Then 4 x 14,400 x (22/24) is around ₹52,800.  This is consistent with the table above. 

Worked example two, 24K. Purity is already 24, so the bracket becomes 1. The sum is 4 x 14,400 x (24/24), which comes to about ₹57,600. No adjustment is needed.

Remember what the formula leaves out. Jewellery carries making charges on top, often a meaningful slice of the bill, and 3% GST applies to the total of gold value plus making charges. So, the 4 grams of gold price on a rate page and the final invoice at a jeweller are two different numbers. The formula gives you the metal value. The bill adds the rest.

22K vs 24K Gold: Which Purity for 4 Grams?

22K gold is 91.6% pure and is alloyed for strength, and is what most Indian jewellery is made of. 24K is 99.9% pure, softer and is the standard for coins and bars. This purity gap translates into price. For 4 grams, the difference between 22K (around ₹52,760) and 24K (around ₹57,600) at current levels is almost ₹4,800.

For a pledge, both purities work. Lenders accept 22K ornaments and, within RBI limits, bank-issued 24K coins. What changes is the assessed value, because valuation rests on purity and weight, not on what the piece costs. An IIFL Finance Gold Loan is appraised on exactly that basis, so a 24K coin of the same weight is assessed higher than a 22K chain.

Using 4 Grams of Gold for a Gold Loan

A gold loan lets you pledge ornaments or eligible coins and borrow against them. The metal stays yours. Under the RBI (Lending Against Gold and Silver Collateral) Directions, effective 1 April 2026, the permitted loan-to-value is tiered by loan size: up to 85% for loans up to ₹2.5 lakh, up to 80% for loans between ₹2.5 lakh and ₹5 lakh, and up to 75% above ₹5 lakh.

Apply that to 4 grams. If 4g of 22K gold is assessed at around ₹52,760, the loan clearly falls in the smallest slab, so the maximum gold loan on 4 grams could be up to about ₹44,800, subject to lender evaluation. Valuation itself follows the RBI method: the lower of the 30-day average price or the previous day's closing price published by IBJA or a SEBI-recognised exchange, benchmarked to 22 carats. The assaying happens in front of you, with a certificate listing purity, gross and net weight, and any deductions for stones.

IIFL Finance offers this route with light paperwork. No income proof or credit assessment is required for loans up to ₹2.5 lakh, which covers most 4-gram pledges. The IIFL Finance Gold Loan Calculator gives a quick estimate of weight and purity before you visit a branch.

4 Gram Gold Price Trend - Last 10 Days

The table below shows an indicative 10-day movement of the 4 grams gold rate, scaled from recent MCX levels. Verify the live rate on the day of purchase or pledge.

Note: All figures are indicative. Actual amounts, fees, coverage percentages, and eligibility criteria may vary depending on the lender, borrower profile, loan category, and applicable guidelines at the time of application.

The period reads mildly upward, with a dip early in the month and a recovery through the second week.

Conclusion

Four grams is a small weight with a very specific value, and knowing today's 4 grams gold price keeps both a purchase and a pledge grounded in real numbers. Check the purity, run the formula, and remember the bill adds making charges and GST. If the need is cash rather than jewellery, that same 4 grams can back a gold loan under the RBI's tiered limits, and an IIFL Finance Gold Loan keeps the ornament in a lender's custody rather than a buyer's hands. Figures here are illustrative and shift daily, so confirm the live rate and the exact terms with the lender before deciding.

Disclaimer : The information in this blog is for general purposes only and may change without notice. It does not constitute legal, tax, or financial advice. Readers should seek professional guidance and make decisions at their own discretion. IIFL Finance is not liable for any reliance on this content. Read more