Quick Answer: 24K = 99.9% pure, too soft for jewellery. 22K = 91.6% pure, ideal for Indian jewellery. For investment (coins/bars) buy 24K. For wearing jewellery, buy 22K. Price difference: 24K is ~9% more expensive per gram than 22K.
Gold purity: 24K (999 fine = 99.9%) is the purest but too malleable for everyday jewellery — it bends and scratches easily. 22K (916 fine = 91.6%) has copper/silver alloy added for durability — this is the standard for Indian gold jewellery. 18K (750 fine = 75%) is used for diamond-studded jewellery — its white gold version is popular for engagement rings.
When to Buy Which: Buy 24K: Gold coins, bars, ETF equivalent. Pure investment. Buy 22K: Traditional jewellery — mangalsutra, bangles, chains, earrings. Buy 18K: Diamond jewellery settings, contemporary designs, white gold.
IBJA Rate — ibja.co (official 22K and 24K rates)
Sovereign Gold Bond — rbi.org.in (government gold bonds at 24K value)
NSEL Gold ETF — BSE/NSE for digital gold investment
Check BIS hallmark for purity confirmation
For investment: prefer 24K coins from banks (MMTC, SBI, HDFC)
For jewellery: 22K (916) is the standard in India
Compare: 22K rate = 24K rate × 0.916
Check resale policy before buying (most jewellers deduct 2–5%)
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