Gold Price Today (21 Oct 2025)

Table of Contents

Aaj ka Sona-Chandi ka Bhav: ₹1,28,000/10g par Gold, toh kya karein?

Namaste doston! Agar aap yeh soch rahe hain ki "Gold itna mehnga ho gaya hai, ab kya kharidein?" — toh aap akele nahi hain. Aaj 21 October 2025 ko 24 karat gold ka rate ₹1,28,000 per 10 gram chal raha hai. Yeh dekh kar sabke dimaag mein ek hi sawaal aa raha hai:

Kya abhi bhi gold kharidna safe hai? Ya fir Silver mein shift ho jaayein?

Aaj ke is article mein hum yeh sab clear karenge:

✅ Live Gold-Silver Rates (city-wise, 24K/22K sab kuch)

✅ Gold-Silver Ratio (GSR) kya hota hai aur isse kaise use karein

✅ Silver kyu shine kar raha hai aajkal — industrial demand aur market trends

✅ Investment kaise karein: Physical, SGB, ETF — sabka comparison

✅ 2026 ka outlook: Kya expect karein aage?

Toh chaliye, shuru karte hain bina time waste kiye!

📊 Aaj ke Live Rates (21 October 2025)

Sabse pehle aaj ke latest rates dekh lete hain. Dhyan dijiye — yeh metal-only rates hain. Jewellery khareedoge toh making charges aur GST alag se lagega.

City	24K Gold (₹/10g)	22K Gold (₹/10g, approx)	Silver (₹/kg)
National Benchmark	₹1,28,000	~₹1,17,250	—
Delhi	₹1,28,200	₹1,17,450	₹98,500
Mumbai	₹1,28,000	₹1,17,250	₹98,200
Bengaluru	₹1,28,150	₹1,17,400	₹98,800
Chennai	₹1,28,500	₹1,17,700	₹99,000
Kolkata	₹1,28,300	₹1,17,500	₹98,600
Hyderabad	₹1,28,100	₹1,17,300	₹98,400
Ahmedabad	₹1,28,250	₹1,17,450	₹98,700
Pune	₹1,28,050	₹1,17,280	₹98,300
Jaipur	₹1,28,400	₹1,17,650	₹98,900
Lucknow	₹1,28,350	₹1,17,600	₹98,750

📌 Important Notes:

• 22K calculation: 24K price × 0.916 (purity factor)
• City difference kyu hota hai? Local taxes, transport cost, jeweller margin
• Silver rate: Per kg metal-only; coins/bars mein premium alag
• GST: Bullion par 3%, jewellery par making charges + 3% GST

Source: IBJA / MCX / Local Sarafa Associations

Last Updated: 21 Oct 2025, 10:30 AM IST

(Tip: Prices change hourly. Kharidne se pehle apne local jeweller se cross-check kar lijiye!)

💡 Section 1: Gold-Silver Ratio (GSR) — Yeh Secret Weapon Kya Hai?

Agar aap serious investor banna chahte hain, toh yeh ratio samajhna bahut zaroori hai. Main simple shabdon mein samjhata hoon.

GSR ka Formula (easy peasy!)

text
Gold-Silver Ratio (GSR) = Gold ki price ÷ Silver ki price

Example ke saath samajhte hain:

Maan lo aaj:

• Gold = ₹12,800 per gram (yani ₹1,28,000 ÷ 10)
• Silver = ₹98.50 per gram (yani ₹98,500 ÷ 1000)

Toh GSR = 12,800 ÷ 98.50 ≈ 130

International level par:

• Gold = $2,450 per ounce
• Silver = $29 per ounce
• GSR = 2,450 ÷ 29 ≈ 84

Yeh number ka matlab kya hua?

Simple bhasha mein:

GSR Range	Matlab kya hai?	Aapko kya karna chahiye?
80–100+ (High)	Silver comparatively sasta hai vs Gold	Silver mein thoda allocation badhao
60–75 (Normal)	Balanced zone	60% Gold, 40% Silver — normal rakho
40–55 (Low)	Gold sasta hai vs Silver	Gold mein focus karo, Silver se profit book karo

Yaad rakhiye:

• GSR ek relative value indicator hai, crystal ball nahi
• Iska use gradual rebalancing ke liye karo, panic buying/selling ke liye nahi
• History mein GSR 30 se lekar 120 tak ja chuka hai

🚀 Section 2: Silver Kyu Outshine Kar Raha Hai?

Mere paas bahut se readers poochh rahe hain — "Gold toh samajh aata hai, Silver kyu kharidein?"

Yeh 4 reasons dekho, phir khud decide karo:

1️⃣ Industrial Demand ka Dhamaka

Silver sirf jewellery nahi, yeh technology metal hai:

• Solar Panels — Silver sabse efficient conductor hai
• Electric Vehicles (EVs) — Har EV mein silver use hota hai
• 5G aur Electronics — Mobile phones, laptops sab mein
• Medical Equipment — Antibacterial properties

Gold vs Silver:

Gold mostly investment + jewellery hai. Silver ka 50%+ use industry mein hota hai. Jab economy grow karti hai, silver ki demand explosively badhti hai.

2️⃣ Volatility = Higher Returns (agar patience hai)

Haan, silver jyada volatile hai. Ek din 3% upar, doosre din 2% niche. But isi volatility mein opportunity hai.

Example:

• 2020 mein Silver ne Gold ko outperform kiya (Silver +50%, Gold +25%)
• 2023–24 mein bhi Silver ne achha rally diya

Agar aap 3–5 saal ke liye hold kar sakte ho aur SIP karoge, toh silver ka upside bahut zyada hai.

3️⃣ Diwali-Dhanteras ka Season

Abhi festival season chal raha hai. Gold-silver dono ki physical demand badh jaati hai. Short-term mein yeh sentiment prices ko push karti hai.

4️⃣ Supply-Demand Gap

Silver ki global market chhoti hai. Recent years mein silver ki supply deficit thi (demand > supply). Chhote market mein price swings bade hote hain — upside bhi, downside bhi.

✅ Quick Decode:

	Gold	Silver
Stability	✅ High	⚠️ Medium
Upside Potential	Moderate	🚀 High
Inflation Hedge	✅✅✅	✅✅
Industrial Use	Low	✅✅✅
Volatility	Low	High
Best For	Safety, long-term wealth protection	Growth, aggressive allocation

My Take:

Agar aap volatility handle kar sakte ho aur 3–5 saal hold karoge — Silver has higher upside.

Lekin Gold is still the king for stability, macro hedge (inflation, currency crisis, geopolitical tension).

📈 Section 3: Investment Kaise Karein? (Step-by-Step How-To)

Chalo ab practical baat karte hain. Theory se kaam nahi chalega, action plan chahiye.

A. GSR-Based Investment Strategy

Ek simple rule follow karo:

GSR Level	Your Action
Above 85	Silver mein allocation badhao. Example: 50% Gold, 50% Silver
60–75 (Normal)	Balanced rakho: 60% Gold, 40% Silver
Below 55	Gold mein focus karo. Silver se kuch profit book kar lo

Important: Yeh sudden all-in move nahi hai. Gradual rebalancing karo — quarterly review karo.

B. Chart Analysis Kaise Karein? (Beginners ke liye bhi easy!)

Agar aap buy/sell timing improve karna chahte ho, basic chart analysis seekho. Bohot simple hai!

Tools: TradingView app ya MCX app

5-Step DIY Chart Analysis:

Step 1: MCX Gold/Silver ka 1-year daily chart open karo

Step 2: Do moving averages lagao:

• 50-DMA (50-day Moving Average) — short-term trend
• 200-DMA (200-day Moving Average) — long-term trend

Step 3: Uptrend confirm karo:

• Agar price 200-DMA ke upar chal rahi hai aur 200-DMA bhi rising hai ➜ Strong uptrend
• Jab price 50-DMA tak pullback kare ➜ Buy-on-dip zone

Step 4: Support-Resistance mark karo:

• Pichle swing highs aur lows ko note karo
• Breakout with high volume ➜ strong signal

Step 5: RSI (14) use karo (momentum indicator):

• 40–50 zone mein ➜ uptrend mein healthy support
• 70 ke upar ➜ overbought (thoda wait karo)
• 30 ke niche ➜ oversold (buying opportunity ho sakta hai)

Risk Management (must follow!):

✅ Staggered entries: Ek baar mein sab paise mat lagao. 3–4 parts mein buy karo

✅ Stop-loss mental ya actual: Previous swing low ya 50-DMA ke niche

✅ Big green candles ko chase mat karo: FOMO mein mat aao

C. SIP in Gold-Silver (Best Approach for Salaried People)

Systematic Investment Plan (SIP) sabse safe aur proven method hai — especially jab volatility zyada ho.

Practical SIP Plan:

Your Budget	Gold Allocation	Silver Allocation	How-To
₹5,000/month	₹3,000 (60%)	₹2,000 (40%)	Gold ETF SIP + Silver ETF SIP via broker app
₹10,000/month	₹6,000 (60%)	₹4,000 (40%)	Same as above, or SGB + Silver ETF
₹20,000/month	₹10,000–12,000	₹8,000–10,000	SGB (when available) + Silver ETF + some physical bars

When GSR is High (like now ≈80–100):

Shift to 50:50 ya 40:60 (Gold:Silver) temporarily.

D. GSR Rebalance Hack (Pro Tip!)

Yeh advanced strategy hai, lekin bohot powerful:

Rule:

• GSR > 85: Apne precious metals portfolio ka 10–20% Gold se Silver mein shift karo
• GSR < 55: 10–20% Silver se Gold mein wapas lao

Review: Har 3 months mein ek baar

Avoid: Har hafte badalna — overtrading se returns kharab hote hain

Example:

Suppose aapke paas ₹1,00,000 ka portfolio hai.

• ₹60,000 Gold, ₹40,000 Silver (60:40)
• GSR 90 par pahunch gaya (high zone)
• Action: ₹10,000 Gold sell karo, Silver mein lagao ➜ New ratio: ₹50,000 Gold, ₹50,000 Silver

Jab GSR wapas 60–70 aaye, rebalance kar lena.

🛒 Section 4: Investment ke Different Forms — Kaunsa Best Hai?

Ab sabse confusing part: Gold-Silver kharidein kaise?

Options bahut hain — Physical, SGB, ETF, Digital Gold, Futures… sab confuse kar dete hain. Chalo ek-ek ko samajhte hain.

1️⃣ Physical Gold/Silver (Coins aur Bars)

Kya hota hai?

Aap jeweller ya bank se 999 purity ke coins/bars khareedte ho.

Pros ✅	Cons ❌
Tangible — haath mein hai, dil ko sukoon	Making charges (2–10%) + GST (3%)
No fund management fees	Storage aur security ki tension
Easy to understand	Liquidity spread (buy-sell price gap)
Emergency mein bech sakte ho	Purity verification ka jhanjhat (especially resale time)

Best Use:

• Long-term core holding (5–10 years+)
• Gold: 10g/20g/50g bars ya coins (999 purity)
• Silver: 100g/1kg bars (jewellery avoid karo investment ke liye)

Avoid: Jewellery (making charges 15–25%, GST bhi zyada, resale mein loss)

2️⃣ Sovereign Gold Bonds (SGB) — Only Gold

Yeh Government of India ki scheme hai — best tax + safety combo for gold investors!

Pros ✅	Cons ❌
2.5% annual interest (taxable)	Only for gold, silver mein nahi
Zero capital gains tax at maturity (8 years)	Market mein liquidity thodi kam (exchange par trade hota hai)
No purity tension	Lock-in 5 years (early exit 5th year se)
Sovereign backing — 100% safe	Issue limited tranches mein aate hain (har 2–3 months)
Dematerialized — no storage risk

How to Buy:

• Banks, Post Office, Stock Holding Corporation, ya broker ke through
• Online application — PAN card chahiye
• Minimum: 1 gram, Maximum: 4 kg per person per fiscal year

My Recommendation:

Agar aap long-term gold investor ho (8+ years), toh SGB is the BEST option. Physical aur ETF dono se better hai tax ke angle se.

3️⃣ Gold/Silver ETFs (Exchange Traded Funds)

Kya hota hai?

Yeh stock market mein trade hone wale funds hain. 1 unit = approx 1 gram gold/silver (fund pe depend karta hai).

Pros ✅	Cons ❌
SIP easily set kar sakte ho	Expense ratio (0.5–1% annually)
High liquidity — sell karna easy	Capital gains tax applicable
No making charges, no storage tension	Tracking error (price vs actual metal mein slight difference)
Transparent pricing (real-time)	Demat account chahiye
Low ticket size (₹100 se bhi shuru)

Popular Gold ETFs: Nippon India Gold ETF, SBI Gold ETF, HDFC Gold ETF

Popular Silver ETFs: Nippon India Silver ETF, ICICI Prudential Silver ETF

How to Buy:

• Demat account kholo (Zerodha, Groww, Angel One, etc.)
• ETF code search karo (e.g., GOLDCASE, SILVERBEES)
• SIP set karo ya lump-sum khareed lo

Best Use:

• Active allocation + periodic rebalancing
• Beginners jo physical se darte hain
• Small monthly investments (₹500–₹5,000)

4️⃣ Digital Gold

Kya hota hai?

Apps like Paytm, PhonePe, Google Pay par gold khareed sakte ho. Backed by physical gold (stored by partner companies).

Pros ✅	Cons ❌
Bahut convenient	Not SEBI-regulated — trust issue
₹10 se bhi shuru kar sakte ho	Counterparty risk (agar company fail ho jaye?)
Coin/bar delivery option (usually)	Slightly higher spread vs ETF

My Take:

Digital gold short-term convenience ke liye OK hai. Lekin serious investment ke liye SGB ya ETF better hai. Agar digital gold khareedte ho, toh jaldi physical coins convert kara lo ya ETF mein shift ho jao.

5️⃣ Gold/Silver Futures (MCX)

Kya hota hai?

Leverage trading — aap ₹1,00,000 ki gold ₹10,000–₹20,000 margin mein trade kar sakte ho.

Pros ✅	Cons ❌
High leverage — big profits possible	High risk — big losses bhi possible
Hedging tool (agar aap producer/jeweller ho)	Daily mark-to-market — margin calls
Short-selling bhi kar sakte ho	Not for beginners

My Advice:

Agar aap trader nahi ho, futures se door raho. Yeh investment nahi, speculation hai. 90% beginners lose money in futures.

💰 Tax Rules — Yeh Bhi Jaanna Zaroori Hai (India)

Investment se pehle tax angle bhi clear kar lo, warna baad mein surprise milega!

Investment Type	Capital Gains Tax	GST	Other Tax
Physical Gold/Silver	Holding period ke basis par STCG/LTCG (CA se confirm karo latest rules)	3% on bullion; making charges par extra	—
SGB	Zero tax at maturity (8 years); early sale par capital gains	No GST	Interest taxable as per slab
Gold/Silver ETF	Recent changes — non-equity fund taxation (check current rules with CA)	No GST	Dividend tax (if any)
Digital Gold	Usually same as physical (varies by platform)	Included in price	—
Futures	Speculative business income / capital gains (trader status pe depend)	No GST on commodity futures	STT applicable

⚠️ Disclaimer: Tax laws change hote hain. Investment se pehle apne Chartered Accountant se confirm kar lijiye current tax slab aur rules.

🔮 Conclusion — Summary aur 2026 Outlook

Chalo, ab sab kuch summarize kar dete hain aur aage ka roadmap bhi dekh lete hain.

📝 Quick Summary:

✅ Gold = Stability, safety, inflation hedge, geopolitical uncertainty ka shield

✅ Silver = Higher growth potential, industrial demand, volatile but rewarding (if you can hold 3–5 years)

✅ GSR aajkal high hai (≈80–100) ➜ Silver relatively undervalued ➜ allocation mein silver ka weightage badhane ka time

✅ Best investment form:

• Long-term (8+ years): SGB (gold only) — best tax benefits
• Medium-term (3–5 years): Gold/Silver ETF SIP
• Physical holding: Only if you have secure storage + long horizon

🔮 2026 ka Outlook (Realistic Expectation):

Gold:

• Agar global interest rates soft hote hain (Fed rate cuts), toh gold ko support milega
• INR weakness (rupee vs dollar) bhi domestic gold prices ko push karti hai
• Geopolitical tensions (Middle East, US-China) bhi gold ko safe haven banaate hain
• Expected Range (rough estimate): ₹1,20,000–₹1,40,000 per 10g (wide range because of volatility)

Silver:

• Green energy push (solar, EVs) structurally silver ko support karega
• Industrial demand strong rahe toh silver outperform kar sakta hai
• But volatility bhi zyada hogi — sharp up-and-down moves
• Expected Range (rough estimate): ₹90,000–₹1,20,000 per kg

⚠️ Disclaimer: Yeh predictions nahi hain — possibilities hain. Market kisi ko future nahi dikhata. Always invest based on your risk appetite aur time horizon.

🎯 Your Action Plan (Step-by-Step):

Step 1: Decide your precious metals allocation in overall portfolio

Typical: 10–15% of total portfolio in Gold+Silver

Step 2: Start with Gold-Silver ratio = 60:40 in normal times

When GSR high (like now): Shift to 50:50 or 40:60

Step 3: Choose your investment vehicle:

• Long-term serious investor: SGB (gold) + Silver ETF
• Beginners / small SIPs: Gold ETF + Silver ETF
• Physical lover: 999 bars/coins (avoid jewellery)

Step 4: Set SIP, not lump-sum

₹5,000–₹10,000/month se shuru karo. Market timing se bachne ka best tareeka hai SIP.

Step 5: Rebalance quarterly

Har 3 months mein GSR check karo. Agar extreme zones (>85 ya <55) mein hai, toh 10–20% rebalance karo.

Step 6: Don't panic sell

Gold-Silver long-term wealth protection hai, get-rich-quick scheme nahi. Volatility mein ghabrana mat.

FAQ — Aapke Sawaalon ke Jawab

1. Gold-Silver Ratio (GSR) kya hai aur isse kaise use karein?

Answer: GSR = Gold price ÷ Silver price. Yeh batata hai ki 1 unit gold kharidne ke liye kitne units silver chahiye. High GSR (80–100) matlab silver relatively sasta hai vs gold — toh silver allocation badhao. Low GSR (40–55) matlab gold sasta hai — gold allocation badhao. Use it for gradual rebalancing, not for panic buying.

2. Silver gold se better hai kya aajkal?

Answer: Better ya worse nahi — dono ka apna role hai. Silver ki industrial demand strong hai (solar, EVs, electronics) aur GSR bhi high hai, toh growth potential zyada hai. Lekin volatility bhi zyada hai. Agar aap 3–5 saal hold kar sakte ho, toh silver ka upside attractive hai. Gold abhi bhi macro hedge aur stability ke liye best hai. Ideal approach: Dono ko mix karo (60:40 ya 50:50).

3. SGB vs Gold ETF — kaunsa better hai aur kyu?

Answer:

	SGB	Gold ETF
Tax	Zero capital gains at maturity (8 yrs)	Capital gains tax applicable
Interest	2.5% per year	Nil
Liquidity	Exit after 5 years; secondary market available but liquidity lower	High liquidity, sell anytime
Storage	Demat form — safe	Demat — safe
Lock-in	5 years	None
Best for	Long-term (8+ years) investors	Active investors, SIP, short-to-medium term

Verdict: Agar aap long-term hold kar sakte ho (8 years), SGB best hai tax ke angle se. Agar flexibility chahiye (2–5 years), Gold ETF better hai.

4. Kya jewellery investment sahi hota hai?

Answer: Short answer: NO.

Why?

• Making charges 15–25% lag jaate hain
• GST bhi zyada (making charges par extra)
• Resale mein making charges wapas nahi milti
• Purity verification ka tension

Better options:

• Investment: 999 purity gold/silver bars/coins (no making charges)
• SGB / ETF (best for pure investment)
• Jewellery: Sirf personal use ke liye kharido, investment nahi samjho

Exception: Heritage/antique jewellery jo time ke saath value badhti hai (but yeh advanced collector territory hai).

5. Gold-Silver mein SIP kaise set karein?

Answer: Bohot easy hai! Step-by-step:

Step 1: Demat account kholo

Kisi bhi broker app (Zerodha, Groww, Angel One, Upstox, 5Paisa, etc.) par free mein account khol sakte ho.

Step 2: Gold/Silver ETF choose karo

Examples:

• Gold: Nippon India Gold ETF (GOLDCASE), SBI Gold ETF (SBIGETS)
• Silver: Nippon India Silver ETF (SILVERBEES), ICICI Pru Silver ETF

Step 3: SIP set karo

• Broker app mein SIP option pe jao
• ETF name search karo
• Monthly amount set karo (₹500, ₹1,000, ₹5,000 — jo bhi ho)
• Date choose karo (salary ke 2–3 din baad recommended)
• Auto-debit mandate set karo (bank se auto-payment)

Step 4: Done! Ab har month automatically units khareed liye jayenge.

Pro Tip: Gold aur Silver dono mein SIP set karo — 60:40 ya 50:50 split mein.

🔔 Final Words: Dhyaan Rakhne Waali Baatein

Dosto, ek last baar yaad dila doon kuch important points:

✅ Gold-Silver investment hai, trading nahi — patience rakho

✅ SIP best hai lump-sum se — volatility se bachne ka best tareeka

✅ GSR use karo apne allocation ko optimize karne ke liye

✅ Tax rules check karo investment se pehle (CA se confirm karo)

✅ Physical kharido toh 999 purity lena — jewellery avoid karo

✅ Long-term hold karo — 3–5 saal minimum (especially silver)

✅ Portfolio mein 10–15% hi rakho precious metals — diversification important hai

Aaj ka data:

Source: IBJA / MCX / Local Associations

Last Updated: 21 October 2025, 10:30 AM IST

Disclaimer: Prices real-time change hoti hain. Investment se pehle latest rates confirm kar lijiye. Yeh article educational purpose ke liye hai, investment advice nahi.

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Happy Investing! 💰🪙