Gold Rate Today in Kerala (26 January 2026) – 22K & 24K

Today's gold rate in Kerala is ₹14,845 per gram for 22K and ₹16,195 per gram for 24K gold. Kerala has the highest per capita gold consumption in India. Thrissur is known as Kerala's gold capital, home to Kalyan Jewellers and Joyalukkas. Prices are updated from IBJA multiple times daily based on international spot prices.

The state's deep cultural connection with gold dates back to ancient maritime trade routes. From elaborate bridal sets weighing kilograms to daily-wear ornaments, gold is integral to Malayali identity.

Understanding different carat values is essential for Kerala gold buyers:

• 24 Carat Gold Rate - 99.9% pure gold for investment in coins and bars
• 22 Carat Gold Rate (916 Gold) - 91.6% pure, the standard for traditional Kerala bridal jewellery like Manga Mala, Kasumalai, and Palakka
• 18 Carat Gold Rate - 75% pure, used for diamond-studded contemporary designs

Use GoldMeter's gold rate calculator to compute exact costs including making charges. Kerala's tradition of heavy bridal gold (often 100+ sovereigns) makes 22K gold particularly significant.

Kerala's unique NRI remittance economy means gold purchases often correlate with Gulf oil prices and Indian expatriate income trends.

• Seasonal Patterns - Prices rise during wedding season (November-May) when Malayali families purchase extensive bridal collections
• Festival Impact - Onam and Vishu see significant buying activity
• Moving Averages - Traders use 50-day and 200-day moving averages
• Forward Booking - Most Kerala jewellers offer price-lock facilities essential for planning elaborate wedding purchases

Kerala's gold market has grown alongside Gulf migration, with NRI remittances often converted to gold as a store of value and social status symbol.

Kerala was among the first states to adopt widespread hallmarking. The India Bullion Association recommends purchasing only from BIS-certified jewellers.

• Check Current Rates - Verify gold rate on GoldMeter before visiting
• Evaluate Seller Reputation - Choose established jewellers
• Understand Making Charges - Range from 8% to 20%; temple jewellery and intricate designs command higher charges
• Insist on Hallmarked Gold - BIS certification with HUID mandatory
• Compare Prices - Visit Thrissur, Kochi, Trivandrum showrooms
• Get Detailed Invoice - Gold weight, purity, making charges, and GST separately
• Understand Buyback Terms - Most Kerala jewellers offer lifetime exchange

Leading Kerala jewellers include Kalyan Jewellers, Joyalukkas, Bhima, Jos Alukkas, Malabar Gold, Chemmanur, and AVR Swarna Mahal—many founded in Thrissur and now global brands.

• Know Current Rates - Check gold rate before approaching buyers
• Get Multiple Quotes - Visit 3-4 jewellers for competitive offers
• Carry Original Documents - Bills fetch better prices
• Understand Deductions - Expect 3-8% below market for hallmarked gold
• Exchange Option - Most Kerala families exchange old for new designs
• Scrap Gold Value - Valued by weight and purity after testing

Kerala's competitive jewellery market ensures fair pricing. Exchange offers are often better than outright sale due to high turnover volumes.

Kerala's gold jewellery purchase schemes (advance payment with monthly installments) are extremely popular, pioneered by local jewellers before national expansion.

Kerala is India's largest gold loan market, with Muthoot Finance and Manappuram Finance both headquartered here:

• NBFCs - Muthoot and Manappuram dominate with dense branch networks
• Banks - Federal Bank, South Indian Bank, SBI offer competitive rates
• Loan-to-Value - Typically 75% of gold's market value
• Documents - ID proof, address proof, and the gold
• Process - Same-day (often within hours) disbursement

Gold loans are culturally accepted in Kerala as temporary liquidity solutions rather than distress sales of family gold.

Maintain all purchase invoices for capital gains calculation. NRIs have specific tax provisions—consult a tax professional.

• Thrissur - Kerala's gold capital; headquarters of major jewellers
• Kochi/Ernakulam - Major retail hub with numerous showrooms
• Trivandrum - State capital with premium jewellers
• Kozhikode - North Kerala's main gold market

GoldMeter provides daily updated gold rates for Kerala to help verify prices.

• Bank Lockers - Most secure; high demand in Kerala
• Home Safes - Fire-resistant options for moderate holdings
• Insurance - Jewellery-specific policies essential for large holdings
• Digital Options - SGBs and ETFs eliminate storage concerns

Given Kerala's high gold ownership, bank locker demand is significant. Many families maintain insurance specifically for jewellery collections.

Why is gold so important in Kerala culture?
Gold symbolizes prosperity, status, and is central to wedding traditions. A bride's gold reflects family wealth and remains her personal asset.

What is a sovereign in Kerala?
A sovereign (Pavan in Malayalam) equals 8 grams of gold. Kerala bridal gold is traditionally measured in sovereigns (e.g., "50 sovereign wedding set").

Are Kerala gold rates different from other states?
Rates follow national IBJA prices closely. Competition among major jewellers ensures competitive pricing in Kerala.

What is a gold purchase scheme?
Monthly payment schemes where you deposit fixed amounts for 11 months and buy gold in the 12th month with bonus—pioneered by Kerala jewellers.