Gold Rate Today in Bihar – 7 Nov 2026, 10 PM IST

The figures in the live table are bullion reference rates for Bihar, quoted per gram across 24 karat gold at 99.9 percent purity, 22 karat at 91.6 percent, 18 karat at 75 percent and 14 karat at 58.5 percent, refreshed every business day against MCX and IBJA benchmarks.

Patna, the state's capital and commercial hub, anchors Bihar's gold trade, with Hathwa Market among its established jewellery centres and a mix of legacy family jewellers and modern showrooms drawing artisans and design influences from across North and East India. Bihar's gold culture is also distinctly shaped by two occasions with few equivalents elsewhere in India, Chhath Puja and Teej, both central to the state's cultural and spending calendar, and by a genuinely strong local gold loan market, with jewellery frequently used as accessible, quickly liquidated collateral rather than held purely for adornment. This page covers today's rate, how it is set, city-wise rates across the state, purity and hallmark verification, making charges with a worked bill example, where to buy and sell, the buying calendar, taxation and a detailed FAQ.

The weight table converts today's per gram rate into the denominations Bihar buyers transact in, from a single gram through 10 grams, 50 grams, 100 grams and a kilogram, at each of the four common purities.

Units used in Bihar

Bihar's retail trade largely runs on the gram and the 10 gram denomination, in line with the North Indian tola-influenced convention, though the tola itself, 11.6638 grams, is still referenced by some older buyers and independent jewellers, particularly outside Patna. It is worth confirming which unit a quoted price refers to when comparing across shops.

International markets quote the troy ounce, at 31.1035 grams, converted into rupee and gram terms before it reaches Bihar's retail market.

The one kilogram bar is the standard wholesale trading unit, most relevant to Patna's larger jewellers and bullion dealers rather than retail buyers.

A single day's rate tells you very little. The last ten sessions tell you whether today's print sits at the top of a run, at the bottom of a pullback, or in the middle of a flat stretch.

Read three things from the ten day table. The net movement from the earliest session to today. The high and the low, which give the trading range. And whether daily changes are small and steady or large and alternating. A tight range usually means the market is waiting on something; a widening range normally follows a macro event such as a US inflation print, a central bank decision or a sharp rupee move.

For a wedding, Chhath or Teej purchase this matters less than it appears, since the date is fixed well in advance. For a coin or bar purchase with no deadline, the ten day range is the cheapest timing information available.

The trend table sets today's Bihar rate against its opening and closing values over seven days, 30 days, three months, six months, the year to date and 12 months.

What each window tells you

The seven and 30 day windows capture sentiment: short term positioning, fund flows and reaction to news. The three and six month windows capture the macro cycle, principally the direction of real interest rates and the strength of the dollar. The 12 month and year to date windows capture the structural story, chiefly sustained central bank accumulation alongside steady retail demand across Asia.

Longer windows are more reliable and less actionable. A 12 month gain confirms the asset did its job in a portfolio. It says nothing useful about next week's rate.

In Bihar, this trend line is also watched by the state's active gold loan market, since a rising rate increases the borrowing power of jewellery already pledged, and a falling one can trigger margin calls from lenders.

The rate follows the same five step national chain as every state, with local pricing set through Patna.

Step one: the international benchmark

Gold trades continuously in US dollars per troy ounce, anchored by the London Bullion Market Association price and COMEX futures.

Step two: the rupee conversion

The dollar price converts at the prevailing USD to INR rate.

Step three: duty and levies

Basic customs duty and the Agriculture Infrastructure and Development Cess apply to landed value nationally.

Step four: the domestic benchmark

MCX and the India Bullion and Jewellers Association, headquartered in Mumbai, produce the reference figures the national trade prices from. Patna's jewellers price against that benchmark, and their published rate is what the rest of Bihar, in turn, prices against.

Step five: why the state's rate sits where it does

Bihar is not a bullion import point, so its base rate typically runs a modest margin above Mumbai's. Within the state, the spread between Patna, Gaya, Bhagalpur and Muzaffarpur is narrow, since all price off the same effective benchmark.

Seven forces account for almost all daily movement. The first four are global, the last three domestic.

Real interest rates. Gold pays no income, so it competes with interest bearing assets. When inflation adjusted yields fall, gold tends to rise.

The US dollar. Gold is priced in dollars, so a stronger dollar generally pushes the international price down and a weaker dollar lifts it.

Central bank demand. Reserve buying has been large and persistent in recent years.

Geopolitical and financial stress. Conflict, banking stress and sovereign risk push capital toward assets with no counterparty.

The rupee. A weaker rupee raises the Bihar rate independent of any move in international gold.

Seasonal demand. Chhath Puja and Teej, both central to Bihar's cultural calendar, alongside Dussehra, Diwali, Dhanteras and the wedding season, concentrate retail buying and gifting.

Policy. Import duty revisions and GST decisions produce one off steps in the retail price with no connection to the international market.

Every major market in Bihar prices closely off the Patna benchmark, so differences between cities come from local jeweller premiums rather than the underlying rate.

• Gold rate in Patna | the state's benchmark gold market, with Hathwa Market among its established jewellery centres alongside modern showrooms
• Gold rate in Gaya | a major pilgrimage and commercial centre with an established local jewellery trade
• Gold rate in Bhagalpur | the Silk City, whose textile trading wealth has long supported a strong local jewellery market
• Gold rate in Muzaffarpur | North Bihar's key commercial and jewellery trading centre

Rates for Darbhanga, Purnia, Chapra and the rest of the state track the same benchmark. If a quote in any Bihar city differs by more than a small handling margin, that difference is the jeweller's own premium, and it is negotiable.

916 is another way of writing 22 karat. It refers to 91.6 percent pure gold, with the remaining 8.4 percent made up of alloy metals that give the piece strength. On 18 karat the equivalent grade is 750, and on 14 karat it is 585.

916 carries the great majority of jewellery sold across Bihar, from Hathwa Market's traditional bridal and gifting designs to the mixed North and East Indian styles found across Patna's showrooms, a reflection of the artisans and design influences the city has drawn from across the region. The number is not marketing language. It is the purity grade stamped by a BIS recognised assaying and hallmarking centre, and it appears alongside the BIS logo and a six character HUID.

When you check the 916 gold rate in Bihar today, you are looking at this exact purity, not the 999 rate used for coins and bars. When you resell, exchange, or pledge a piece for a gold loan, the 916 grade is what determines the value a jeweller or lender assigns it.

The rate on this page is the metal price. What you pay at the counter adds two things: making charges, and GST at 3 percent on the total of metal plus making.

What making charges run in Bihar

• Plain chains and machine-made pieces | roughly 8 to 12 percent
• Handcrafted traditional and bridal work, common around Chhath and wedding season | roughly 14 to 20 percent
• Branded showroom pieces | 14 percent and above

A worked example

Take a 10 gram 22 karat chain with 12 percent making. Metal value is 10 grams at today's 916 rate. Add 12 percent of that as making charges. Add 3 percent GST on the subtotal. The final bill is roughly 15.4 percent above the pure metal value.

Making charges are negotiable in Bihar's independent trade, particularly with Patna's legacy Hathwa Market jewellers. Always ask for the making charge as a percentage in writing before comparing shops.

Every piece of gold jewellery sold in the notified districts of Bihar must carry three marks. Check all three before you pay.

• The BIS logo | the triangular Bureau of Indian Standards mark
• The purity grade | 916 for 22 karat, 750 for 18 karat, 585 for 14 karat
• The HUID | a six character alphanumeric code unique to the piece

Verify the HUID in the BIS Care app: enter the code and the app returns the registered purity, the article type and the hallmarking centre. If the details do not match the piece in your hand, walk away. Patna has an established network of BIS recognised assaying and hallmarking centres, so there is no reason to accept an unhallmarked piece in any of the state's major markets. This check matters even more when gold is bought with a gold loan in mind, since a lender's own valuation depends on verified purity.

Insist on the HUID printed on the invoice as well. It ties the bill to the piece, which matters for insurance, resale and any future dispute.

Two things shape gold buying and holding in Bihar in ways not seen to the same degree in most other states, and both are worth understanding before you shop.

Chhath Puja and Teej

While Diwali, Dussehra and Holi carry the North and East Indian festive influence found across much of the country, Chhath Puja and Teej are the occasions genuinely central to Bihar's own cultural and spending calendar. Chhath, a rigorous multi-day festival honouring the sun god, and Teej, observed by married women for their husbands' wellbeing, both carry strong traditions of gold gifting within families, particularly from parents to daughters and between spouses, making these two festivals a meaningfully distinct demand driver in Bihar compared to states where the national festive calendar dominates.

The gold loan economy

Gold loans are a genuinely popular and well-established financial product in Bihar, letting households access funds quickly against jewellery without selling it, offered widely by banks and NBFCs across Patna and the state's smaller cities. This reflects gold's dual role in Bihar: it is bought for cultural occasions like Chhath and Teej, but it also functions as a readily accessible financial reserve, pledged and reclaimed as household needs arise, more so than in many other states.

What this means practically

Because a meaningful share of household gold in Bihar may eventually be used as loan collateral, buying hallmarked pieces with a clear invoice is not just about resale value; it directly affects how much a lender will advance against the piece and how smoothly that transaction goes.

Bihar offers a genuinely deep jewellery trade in Patna, complemented by strong district-level markets.

The traditional markets

• Hathwa Market, Patna | one of the city's established jewellery centres, home to several legacy family-run jewellers
• Branded retail in Patna | national chains present alongside long-standing local names, giving buyers a genuine choice between certified consistency and traditional relationships
• Bhagalpur | a strong secondary market, its jewellery trade historically supported by the city's Silk City textile wealth

What to check wherever you buy

• BIS hallmark with HUID on every piece
• The day's rate displayed and the making charge quoted as a percentage in writing
• A proper GST invoice carrying weight, purity, rate, making and HUID
• The buyback and exchange policy in writing before the sale, not after

Certified online retail adds transparent per-piece pricing, certification and doorstep insurance-backed delivery, and for lab grown diamond jewellery set in hallmarked gold it is often the most price-efficient route across the state.

You have four honest routes in Bihar, and one to avoid.

Exchange at a jeweller. The most common route for upgrading old jewellery. Hallmarked pieces are credited at the day's rate for their stamped purity; unhallmarked pieces are assayed first, and that deduction is where the negotiation happens.

Sale to the jeweller who sold it. If the piece carries the original invoice and HUID, most established Patna jewellers publish a buyback policy.

Gold loans. A genuinely well-developed option in Bihar: pledge jewellery for cash without selling it, widely offered by banks and NBFCs across the state, often the preferred route over an outright sale.

Organised gold buying companies. Present in Patna and the larger district towns for those who want outright cash rather than a loan or exchange.

Avoid unlicensed street buyers, whatever rate they promise. Weighing and purity testing you cannot observe is where sellers lose money.

Gold buying in Bihar follows a calendar distinctly shaped by Chhath Puja and Teej alongside the national festive cycle.

• Chhath Puja (October or November) | one of Bihar's most important festivals, carrying strong traditions of gold gifting within families
• Teej | observed by married women, another occasion closely associated with gold gifting in Bihar
• Akshaya Tritiya, Dhanteras and Diwali | the national gold buying peaks, also strongly observed statewide
• Wedding season | roughly November to February and April to June, when bridal sets dominate purchases

Two practical notes. Festive days concentrate demand, so premiums and making charge discounts both move; the headline rate does not become cheaper because the day is auspicious. And for a Chhath, Teej or wedding purchase planned months out, buying the metal in instalments converts an impossible timing decision into a simple averaging plan.

Taxes on gold are set nationally, so nothing here is specific to Bihar, but three layers matter to every buyer in the state.

At purchase. GST at 3 percent applies on the value of the metal plus making charges. On imported metal, customs duty and cess are already inside the quoted rate before GST is added.

At sale. Profit on physical gold held over the qualifying period is taxed as long term capital gains; shorter holdings are taxed at your slab rate. The invoice from your original purchase establishes the cost basis, which is one more reason to keep it.

Large cash purchases. PAN is mandatory above the prescribed transaction threshold, and jewellers report high value cash transactions. Paying digitally with a proper invoice is both cleaner and safer.

None of this is tax advice; thresholds and rates change with the Finance Act. For a large transaction, confirm the current rules with a chartered accountant before you buy or sell.

Gold is a store of value with no counterparty, which is why Indian households hold more of it than any other population on earth, and why gold loans have become such a well-used financial tool in Bihar specifically. That does not make gold riskless as an investment. The rupee price swings, sometimes sharply, and long flat stretches have followed every major rally.

What gold does reliably is diversify. It tends to hold or gain value precisely when financial assets are under stress, which is the moment diversification is worth having. Most advisers land somewhere between 5 and 15 percent of a portfolio in gold, held for years rather than traded.

The form matters as much as the timing. Coins and bars carry minimal making cost and recover the most value on exit. Jewellery carries making charges you do not recover, so it is part ornament and part investment, though in Bihar it also frequently serves a third role, as loan collateral, which is worth factoring into the decision of what to buy and in what form. Paper routes, gold ETFs and mutual funds, remove storage risk entirely and suit buyers whose objective is purely financial.

For most Bihar households the practical answer is a mix: ornament gold bought for Chhath, Teej and weddings, and simple, easily verified investment gold, coins or small bars, bought as savings and, if needed, as future loan collateral.

While silver dominates the specific dakshina tradition pilgrims observe during the Pitru Paksha Mela, gold sales in Gaya still see a genuine lift during this 17 day window, driven by the sheer volume of visitors and the local resident jewellery trade that operates alongside the pilgrimage economy.

Bajaja Road's jewellers, including the established Monika Jewellers group, report their busiest periods overlapping directly with this Mela window and Bihar's own Chhath Puja and wedding calendar.

Bihar has a network of BIS recognised Assaying and Hallmarking Centres serving Patna, Gaya, Muzaffarpur and Bhagalpur, testing and hallmarking gold jewellery under the mandatory rules in force since June 2021.

For consumers, this network means a genuine, independently tested hallmark is readily available across the state's major cities, and any BIS certified jeweller can have a piece assayed at a recognised centre on request.

The Pataliputra Sarafa Bazaar in Patna is Bihar's benchmark gold market, the reference point local jewellers across the state price against each morning. Patna's jewellery trade has grown steadily busier through festive and wedding seasons, even as record high prices have pushed many buyers toward lighter, less heavy designs.

Local jewellers report that despite sharp price rises, underlying demand rarely disappears entirely, since gold purchases around weddings and major festivals are treated as an essential rather than a purely discretionary expense.

Gaya's gold retail trade benefits from the same pilgrimage economy that drives its silver market, though gold plays a smaller role than silver in the specific Pind Daan and dakshina rituals. The Pitru Paksha Mela's 22 lakh pilgrims and over 20 crore rupees of local business over 17 days still lift gold jewellery sales meaningfully, alongside the city's own resident wedding demand.

Bajaja Road, Vishnupad Chowk and the surrounding jewellery streets carry both local retail gold shops and national chains like Senco Gold and Diamonds, giving Gaya buyers a genuine choice between traditional and branded options.

Muzaffarpur, built around trade and the litchi economy, carries a solid local gold retail trade serving North Bihar, tracking Patna's benchmark rate closely.

Bhagalpur, historically known for its silk trade, is one of Bihar's larger jewellery retail centres alongside Patna and Gaya, with an established base of local jewellery stores serving the wider region.

Local Patna press coverage through 2025 and 2026 has consistently reported jewellers seeing customers shift toward lighter weight gold pieces and more diamond or stone work as prices climb, balancing tradition against affordability rather than skipping purchases altogether.

What has held up is the underlying occasion driven demand itself. Jewellers quoted in Bihar media have consistently said that buyers still purchase for weddings and festivals no matter how high prices climb, since it remains an essential part of tradition rather than a purely discretionary expense.

Akshaya Tritiya, considered universally auspicious for buying gold, adds a further peak to Bihar's gold calendar alongside the state's own Chhath Puja tradition, with coin and small ornament sales rising across Patna in the days surrounding it.

Together with Chhath Puja and Dhanteras, Akshaya Tritiya gives Bihar's gold retailers three distinct annual peaks to plan stock and staffing around.

Gold in India traded around 26,000 to 29,000 rupees per 10 grams in 2015 and 2016 for 24 karat purity, crossed 50,000 rupees per 10 grams in 2020, and reached around 62,000 to 65,000 rupees per 10 grams by 2023.

Gold's rise accelerated through 2024 and 2025, crossing 1,00,000 rupees per 10 grams during 2025. Bihar's rates, priced off the national IBJA benchmark through Patna's Pataliputra Sarafa Bazaar, have tracked this national curve throughout.

Gold demand is driven overwhelmingly by investment and central bank reserves rather than industrial use. Central banks worldwide, including the Reserve Bank of India, have been consistent net buyers in recent years.

India remains one of the world's largest gold consumers and imports the large majority of its requirement, making national import duty and policy a genuine influence on domestic prices, including in Bihar.

Gold is generally less volatile than silver day to day, since it lacks silver's industrial demand component. Both metals have delivered strong returns over the last decade.

Equity markets have historically delivered higher long run returns than precious metals, but with far more volatility. Debt instruments give predictable, lower returns with minimal price risk.

In Bihar, gold's role in a household's savings is usually a stable, culturally central holding tied to weddings and Chhath Puja, not a replacement for equity or debt.

Physical gold from a Patna jeweller gives you something to hold, gift or wear, but attracts 3 percent GST, requires safe storage, and jewellery carries making charges not recovered on resale.

Gold ETFs let you hold gold electronically without storage or GST, through a regular demat account. The Sovereign Gold Bond scheme was discontinued for new issuance.

Both physical gold and gold ETFs are taxed the same way, at 12.5 percent on long term capital gains without indexation for holdings over 12 months.

India imports the large majority of the gold it consumes, cleared through customs before reaching refiners and jewellers, including the volumes distributed through Patna's Pataliputra Sarafa Bazaar into Bihar.

Gold has almost no industrial demand nationally, and Bihar's economy adds none of its own, so the state's gold trade is driven entirely by retail jewellery, investment and the state's genuinely unique wedding and pilgrimage demand.

• 24 karat gold: 99.9 percent pure, used for coins and bars
• 22 karat or 916 gold: 91.6 percent pure, the traditional Indian jewellery standard
• Sona: the Hindi and Bihari word for gold, commonly used in local searches; chandi means silver
• Dakshina: a religious offering given to priests in return for performing rituals
• Making charges: the fee a jeweller adds for crafting a piece
• HUID: the unique six digit hallmark identification number
• IBJA: the India Bullion and Jewellers Association, source of the national reference rate

Gold and property serve fundamentally different purposes. Property in Patna requires a large upfront commitment and is illiquid. Gold can be bought and sold in small increments and converted to cash within minutes.

Most Bihari households do not choose between the two. Property tends to serve as a long term family asset, while gold serves as a portable, liquid store of wealth for weddings and emergencies alike.

If you are in Bihar and considering a gold or lab grown diamond jewellery purchase, Lucira offers hallmarked gold and certified lab grown diamond pieces with transparent, itemised pricing and doorstep delivery, so you can compare designs and pricing without needing to visit Patna in person.

Every Lucira piece is priced against the live daily rate shown on this page, with making charges and certification costs shown separately.

A proper invoice from a Bihar jeweller should show the net gold weight in grams, the karat purity, the rate applied per gram that day, the making charge, and GST at 3 percent applied on the metal plus making charge combined.

If a piece carries stones, the invoice should state the net gold weight separately from the gross weight. A hallmarked piece should also show the HUID number, verifiable through the BIS CARE app.

• A quoted rate below the day's published benchmark, which usually means lower purity than claimed
• Gross weight billed as if it were net gold weight on stone set pieces
• Making charges quoted verbally but not itemised on the final bill

Always confirm the current BIS hallmark and HUID independently through the BIS CARE app rather than taking a seller's word for it, particularly when buying quickly during peak pilgrim season in Gaya.

Gold does not tarnish, but secure storage still matters given its value density. A bank locker in Patna remains the most secure option for larger holdings.

A home safe is a reasonable middle ground for smaller quantities. Keep your original purchase invoice with your stored gold, since it establishes purity, weight and cost basis if you need to sell or claim insurance later.

Many jewellers across Bihar, particularly established shops in Patna and Bhagalpur, offer monthly instalment schemes where you deposit a fixed amount each month for around 11 months, with a bonus instalment added at the end.

Before joining one, confirm in writing whether redemption is locked at deposit day rates or redemption day rates, and check whether the bonus is forfeited if you exit early.

Under rules applicable for financial year 2025 to 2026, profit on physical gold or gold ETFs held for more than 12 months is taxed as long term capital gains at 12.5 percent without indexation. Holdings sold within 12 months are taxed at your income tax slab rate.

Your gain is calculated as the sale price minus your original purchase cost, including making charges, which is why keeping your original invoice matters. Confirm current rules with a chartered accountant before a large sale.

There is no legal ceiling on gold ownership in India. CBDT safe harbour limits allow a married woman up to 500 grams, an unmarried woman up to 250 grams, and a man up to 100 grams without seizure during a tax search, even without documentation.

Cash payments for a single gold purchase above the prescribed threshold require your PAN card, and payments above two lakh rupees in cash for a single transaction are not permitted regardless of PAN.

The Pataliputra Sarafa Bazaar in Patna remains the single most important reference point for gold pricing anywhere in Bihar, and jewellers across the state, whether in Gaya, Muzaffarpur or Bhagalpur, price their day against it each morning.

For any significant purchase, comparing making charges across at least two markets, typically Patna against your own city's established jeweller, is a reasonable and common practice.

Gold remains central to the Bihari wedding trousseau, from the bride's full jewellery set to gifting pieces exchanged between families, a tradition that continues to drive structural demand regardless of price cycles.

Patna's jewellers report that record high prices in 2025 and 2026 have pushed wedding buyers toward lighter weight designs and more diamond or stone work relative to pure gold weight, rather than causing them to skip the purchase altogether.

Chhath Puja, dedicated to the Sun God and one of Bihar's most significant festivals, creates a genuine seasonal lift in gold buying, with families purchasing small ornaments and gifting pieces alongside their silver purchases for the occasion.

Jewellers across Patna and Gaya typically stock their widest range of gold jewellery in the weeks leading up to Chhath, alongside their preparations for the Dhanteras and wedding season peaks later in the year.

The Pataliputra Sarafa Bazaar is Patna's traditional bullion and jewellery market, where wholesale and retail gold trade happens side by side, and where the daily rate that the rest of Bihar's jewellers price against each morning is set.

This market has functioned as Bihar's commercial gold benchmark for generations, giving Patna a genuine structural role in the state's jewellery economy beyond simply being the largest city.

Gold retail in Bihar combines Patna's commercial bullion trade at the Pataliputra Sarafa Bazaar with Gaya's genuinely distinct pilgrimage driven economy, giving the state's gold market a resilience that purely investment driven markets lack.

Wedding, Chhath Puja and pilgrimage demand continues through every price cycle, since local jewellers consistently report that buyers still purchase for these occasions regardless of how high prices climb, shifting toward lighter designs rather than skipping the purchase.

• Jewellery from a Patna or Gaya jeweller: wearable and giftable, but making charges reduce resale value
• 24 karat coins and bars: lowest making cost, best for pure savings
• Gold ETFs: no storage or GST, held in a demat account

Most Bihar households use a mix, wedding and festive jewellery for cultural occasions, and coins, bars or ETFs for pure savings.