..... . VALI disclosures . .....: 14/04/26, Gold & Silver prices speculation

Tuesday, April 14, 2026

14/04/26, Gold & Silver prices speculation

Gold rate in India began the week on a weaker note on April 13, 2026, reversing the gains on the occassion of Puthandu, Pohela Boishakh, Vaisakhi and Vishu 2026. Despite strong seasonal buying, prices softened in the latest trading session as global cues and macroeconomic factors weighed on sentiment.

Gold Rate in India: Check Latest 22K, 24K & 18K Gold Prices Per Gram on Puthandu, Pohela Boishakh, Vaisakhi and Vishu 2026

24 Karat Gold Rate Today in India

The price of 24K gold declined by Rs 38 to Rs 15,246 per gram, compared to Rs 15,284 in the previous session. Similarly, 22K gold slipped by Rs 35 to Rs 13,975 per gram from Rs 14,010.

For larger quantities, 24K gold is priced at Rs 1,52,460 per 10 grams and Rs 15,24,600 per 100 grams, marking a drop of Rs 380 and Rs 3,800 respectively.

22 Karat Gold Rate Today in India

Meanwhile, 22K gold stands at Rs 1,39,750 per 10 grams and Rs 13,97,500 per 100 grams.

18 Karat Gold Rate Today in India

In the lower purity segment, 18K gold also witnessed a decline, falling Rs 29 to Rs 11,434 per gram. Prices for 10 grams and 100 grams of 18K gold are currently at Rs 1,14,340 and Rs 11,43,400 respectively.

MCX Gold Rate Trends

On the derivatives front, gold futures for June delivery on the Multi-Commodity Exchange (MCX) fell sharply during intraday trade. Prices dropped by as much as 0.8%, or Rs 1,195, hitting an intraday low of Rs 1,51,457 per 10 grams. The decline indicates cautious sentiment among traders amid evolving global developments.

Spot Gold Price Trends

In the international market, spot gold prices also edged lower, slipping toward $4,700 an ounce on Monday. The dip comes after last week's gains, as investors reassess risk amid geopolitical tensions and economic signals.

Inflation and Global Tensions Weigh on Bullion Prices

India's retail inflation, measured by the Consumer Price Index (CPI), rose slightly to 3.40% in March 2026 from 3.21% in February. The uptick in inflation has added another layer of complexity to the gold market, influencing expectations around interest rates and monetary policy.

At the same time, geopolitical tensions escalated after the United States announced plans to blockade the Strait of Hormuz following unsuccessful weekend talks with Iran. The move has heightened concerns over a potential global energy crisis, adding volatility to commodity markets, including gold.

Gold Rate Prediction: Check Expert's View

"Gold prices fell after marking a weekly gain as US -Iran talks fail over the weekend and escalation around the strait of Hormuz increase. While sentiment improved after U.S. President Trump announced a temporary truce, lingering uncertainties around the durability of the agreement," said Manav Modi, Commodities Analyst, Motilal Oswal Financial Services Ltd.

"As a result, gold remains caught between geopolitical support and macroeconomic headwinds, with price action driven by inflation trends, interest rate expectations and ongoing developments in the Middle East conflict," he added.

Report by Harshika Yadav of goodreturns.in

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Trade Cycles

The four important features of Trade Cycle are (i) Recovery, (ii) Boom, (iii) Recession, and (iv) Depression!

The trades cycle or business cycle are cyclical fluctuations of an economy. A full trade cycle has got four phases: (i) Recovery, (ii) Boom, (iii) Recession, and (iv) depression. The upward phase of a trade cycle or prosperity is divided into two stages—recovery and boom, and the downward phase of a trade cycle is also divided into two stages—recession and depression.

Phases of Trade Cycle:

The phases of trade cycle are explained with a diagram:

(1) Recovery:

In the early period of recovery, entrepreneurs increase the level of investment which in turn increases employment and income. Employment increases purchasing power and this leads to an increase in demand for consumer goods.

As a result, demand for goods will press upon their supply and it shall, thereby, lead to a rise in prices. The demand for consumer’s goods shall encourage the demand for producer’s goods.

The rise in prices shall depend upon the gestation period of investment. The longer the period of investment, the higher shall be the price rise. The rise of prices shall bring about a change in the distribution of income. Rent, wages, interest do not rise in the same proportion as prices.

Consequently, the margin of profit improves. The wholesale prices rise more than retail prices. The prices of raw materials rise more than the prices of semi-finished goods and the prices of semi-finished goods use more than the prices of finished goods.

(2) Boom:

The rate of investment increases still further. Owing to the spread of a wave of optimism in business, the level of production increases and the boom gathers momentum. More investment is possible only through credit creation. During a period of boom, the economy surpasses the level of full employment and enters a stage of over full employment.

(3) Recession:

The orders for raw materials are reduced on the onset of a recession. The rate of investment in producers’ goods industries and housing construction declines. Liquidity preference rises in society and owing to a contraction of money supply, the prices falls. A wave of pessimism spreads in business and those markets which were sometime before sellers markets become buyer’s markets now.

(4) Depression:

The main feature of a depression is a general fall in economic activity. Production, employment and income decline. The prices fall and the main factor responsible for it is, a fall in the purchasing power.

The distribution of national income changes. As the costs are rigid in nature, the margin of profit declines. Machines are not used to their full capacity in factories, because effective demand is much less. The prices of finished goods fall less than the prices of raw materials.

✳Reality Tips to Traders

1)Trading in the stock market is a marathon. 2)Protecting your capital is key. (Learn to protect first) 3)Making 0 on the day is better than losing 50k 4)Losses happen; they are part of this business. 5)It’s not you vs. the market. It’s you VS you. 6)You are your biggest enemy; learn to be mentally disciplined. 7)Don’t follow the majority; follow the correct path. 8)Traders without a stop loss end up not being traders for long. 9)There is always another trade. 10)The big money is made waiting for the right set-ups. 11)Waiting for the right trade is the most powerful strategy. 12)It is better to cut a loss than to wait to be proven right. 13)Position sizing can make or break you. 14)Worry about the downside before you even think about the upside. 15)Don’t listen to headlines

..BANKING TERMINOLOGY

There are various types of Banks: PSU Banks, Private Banks, Co-operative/Regional Banks, Small Finance Banks and Foreign Banks. When you deposit money in a bank, let's say the bank gives you an interest rate of 4%. But when the bank lends out this money, they lend it out at say, 12%. The difference of 8% in the above scenario is effectively the profit of the bank! The loans that do not pay interest for 90 days are known as Non-performing Assets. Banks have to provide for such bad loans. Structure of a Bank Asset for a Bank: The asset portion of a bank's capital includes cash, government securities, and interest-earning loans (e.g., mortgages, letters of credit, and inter-bank loans). Liabilities for a Bank: The bank's main liabilities are its capital (including cash reserves and, often, subordinated debt) and deposits. The latter may be from domestic or foreign sources (corporations and firms, private individuals, other banks, and even governments). Banks are required to maintain Liquidity with the Reserve Bank of India: SLR (Statutory Liquidity Ratio): It is the money a bank needs to preserve in the form of cash, gold or government Bonds before providing credit customers. This limitation is added by RBI on banks to make funds available to customers on-demand at your earliest convenience. Banks are required to maintain SLR at 18%. CRR (Cash Reserve Ratio): Banks are required to hold a certain proportion of their deposits in the form of cash. Banks don’t hold these as cash with themselves, but deposit such amounts with RBI / currency chests. CRR rate is at 4.5% currently. Repo Rate: The rate at which the RBI lends short-term money to the banks. The RBI through its Monetary Policy committee changes the repo rate to balance growth and Inflation. Reverse Repo rate: The rate at which banks park their short-term excess liquidity with the RBI. Now let us understand various terminologies for Banks Net Interest Income (NII): This is the spread the bank makes on its lending. It is calculated as Interest Income – Interest Expended Net Interest Margin (NIM): This is the spread the bank makes on its lending. It is the earning which is left after deducting the cost paid to depositors from its yields on Loans. This is denoted in % terms. The formula is Yield on Loans – Cost of funds Capital Adequacy Ratio (CAR): The capital adequacy ratio (CAR) is a measure of a bank's available capital expressed as a percentage of a bank's risk-weighted credit exposures. Essentially, it is the Capital that is available to lend. Tier I Capital – In simple words this capital is freely available with the bank to lend out. Tier II Capital- This is the capital tied up somewhere and is less freely available to lend. In case of an adverse event, the bank can use this capital to lend. Under Basel III norms, a bank’s tier 1+tier 2 capital must be a minimum of 8% of its risk-weighted holdings. The minimum capital adequacy ratio, also including the capital conservation buffer, is 10.5%. Current Account Saving Account (CASA)- There is no interest paid on the Current Account and a small interest rate is paid on a savings account. The combination of both is called CASA which shows the liabilities of the bank on which it pays relatively less interest. Deposits: Bank deposits are a savings product that customers can use to hold an amount of money at a bank for a specified length of time. In return, the financial institution will pay the customer the relevant amount of interest, based on how much they choose to deposit and for how long. Now let us come to NPA. Gross NPA (GNPA): It is the total loans on which no payment has been paid for 90 days or more. GNPA % is usually shown in each Bank’s quarterly results. The percentage is basically the GNPA amount as a % of the total advances. Slippages: Slippages denote the fresh amount of loans that have turned bad in a year. The slippage ratio of a bank is calculated as Fresh accretion of NPAs during the year /Total standard assets at the beginning of the year multiplied by 100. Provisioning Coverage Ratio (PCR): This is the ratio of provisioning to GNPA and indicates the extent of funds a bank has kept aside to cover loan losses. For Instance, a company has GNPAs of Rs 100 and they have set aside 50 Rs, then the PCR is 50%. Net NPA (NNPA): The total figure left after deducting provisions made for bad loans from GNPA. (GNPA – Provisions+upgrades/writeoffs = NNPA) Special Mention Account (SMA) SMA-0 is a category in which stress with respect to the principal and interest has remained overdue for a period of 0 to 30 days. SMA-1 is a category in which stress with respect to the principal and interest has remained overdue for a period of 30-60 days. SMA-2 is a category in which stress with respect to the principal and interest has remained overdue for a period of 60-90 days

..... . VALI disclosures . .....

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Tuesday, April 14, 2026

14/04/26, Gold & Silver prices speculation

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