Gold Rate in Patna - 18th July 2026

The gold rate in Patna is influenced by various factors, such as the international gold price, the demand and supply of gold, the rupee-dollar exchange rate, the import duty, the GST, the local taxes, the making charges, the festive and wedding seasons, the geopolitical and economic events, etc. These factors can cause the gold rate in Patna to fluctuate daily, depending on the market conditions and the consumer preferences.

There are several methods to check the purity of gold in Patna, such as the acid test, the electronic testing, the X-Ray fluorescence (XRF), and the hallmark certification. The acid test involves scratching the gold piece on a touchstone and applying acid to the marks. If the streak fades under the acid, the gold is less than 22 carat. The electronic testing uses a device that sends a small electric charge through the gold and measures the resistance. The results are then compared to the standards for 22 carat gold. The XRF is a non-destructive method that uses x-rays to determine the gold’s purity. It is the most accurate among non-destructive methods and is typically used by professional gold buyers and jewellers. The hallmark certification is a stamp that indicates the purity of the gold in karats, the year of hallmarking, the jeweller’s identification, and the BIS logo. It is a reliable way to validate the purity of gold while buying from a reputed seller.

The price of gold loan in Patna may vary from other cities, depending on the interest rate, the loan amount, the loan tenure, the loan-to-value ratio, the processing fee, the pre-closure charges, and the service quality of the lender. The interest rate of gold loan in Patna may range from 7% to 24% per annum, depending on the lender, the borrower’s profile, the gold’s purity, and the market conditions. The loan amount of gold loan in Patna may range from 3,000 to 1 crore, depending on the lender, the gold’s weight, and the gold’s value. The loan tenure of gold loan in Patna may range from 7 days to 36 months, depending on the lender, the borrower’s preference, and the repayment capacity. The loan-to-value ratio of gold loan in Patna may range from 60% to 90%, depending on the lender, the gold’s purity, and the RBI guidelines. The processing fee of gold loan in Patna may range from 0% to 2% of the loan amount, depending on the lender, the loan amount, and the loan scheme. The pre-closure charges of gold loan in Patna may range from 0% to 4% of the outstanding amount, depending on the lender, the loan tenure, and the loan scheme.

One tola is a traditional unit of weight for gold used in India and some other Asian countries. One tola is equivalent to approximately 11.7 grams of gold. However, some Indian jewellers round it down to 10 grams for ease of calculation. Therefore, one tola of gold may be 10 grams or 11.7 grams, depending on the source. It is advisable to check the weight of gold in grams before buying or selling.

To calculate the interest on your gold loan in Patna, you can use a gold loan calculator. This tool allows you to enter the loan amount, interest rate, and tenure to get an estimate of your monthly EMI, total interest, and total repayment amount. Using this calculator helps you understand how changes in the gold rate in Patna could affect your loan terms.
 

Most lenders in Patna offer gold loans to individuals between the ages of 18 and 70. The age limit may vary slightly depending on the lender’s policy, but as long as you meet the age requirement and have the necessary gold collateral, you can apply for a gold loan. Keep in mind that the gold rate in Patna can influence the loan terms.