Gold Rate in Mumbai

Mumbai is the capital city of the state of Maharashtra. Gold is a popular choice for many people in Mumbai planning to diversify their investment portfolio. The gold market today in Mumbai offers a wide range of options for buying, selling and investing in gold. Whether you are considering physical gold or digital investment choices, knowing the gold rates now in Mumbai is essential. In this guide, gather comprehensive information about the current gold rate in Mumbai, places to purchase gold, key considerations when buying gold and tips for gold investments.

Today's Gold Rate in Mumbai

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Chennai
Mumbai
Mon
Pathankot
Rishikesh
Tirap
Vadodara
Vaniyambadi
Kiphire
Longleng
Noklak
Phek
Phusro
Serchhip
Udalguri
Valsad
Vapi
Varanasi
Vasai Virar
Vellore
Vidisha
Vijayapura
Vijayawada
Visakhapatnam
Warangal
Wardha
Wayanad
West Bengal
West Siang
West Tripura
Wokha
Yamunanagar
Suryapet
Aizawl
Bokaro
Churachandpur
Dalhousie
Dehri
Dimapur
Haldwani
Surat
Tadipatri
Tamil Nadu
Tenali
Thane
Thiruvananthapuram
Thoothukudi
Thoubal
Thrissur
Tiruchirappalli
Tirunelveli
Tiruppur
Khargone
Kochi
Kurnool
Ladakh
Lakshadweep
Kasauli
Kashipur
Katihar
Khammam
Khandwa
Khanna
Karimganj
Karimnagar
Karnal
Karnataka
Karur
Kasaragod
Kalaburagi
Kamptee
Kampur
Kanchipuram
Kannur
Kanpur
Karaikudi
Jharkhand
Jodhpur
Jorhat
Junagadh
Kadapa
Kakinada
Jammu
Jamnagar
Jamshedpur
Jangipur
Jawalamukhi
Jehanabad
Jhansi
Jalandhar
Jalgaon
Jalna
Jalpaiguri
Jamalpur
Jammu And Kashmir
Indore
Itarsi
Jabalpur
Jagdalpur
Jagtial
Jaipur
Hubballi Dharwad
Hyderabad
Idukki
Imphal East
Imphal West
Indora
Haryana
Hazaribagh
Himachal Pradesh
Hinganghat
Hospet
Hajipur
Haldia
Hamirpur
Hanumangarh
Haridwar
Guna
Guntur
Gurugram
Guwahati
Gwalior
Gondia
Tiruvannamalai
Tripura
Tuensang
Udaipur
Udupi
Ujjain
Ulhasnagar
Una
Uttar Pradesh
Uttarakhand
Aurangabad
Palampur
Palakkad
Odisha
Shivpur
Siddipet
Sikar
Sikkim
Siwan
Silchar
Siliguri
Singrauli
Sitamarhi
Sivasagar
Solan
Solapur
Gir Somnath
Sonipat
South Tripura
Sri Ganganagar
Srinagar
Sunam
Ranchi
Ranebennur
Rewa
Robertsonpet
Sundarnagar
Ranipet
Ratlam
Rohru
Rohtak
Roorkee
Rourkela
Rudrapur
Sagar
Saharanpur
Saiha
Salem
Sangli
Sarkaghat
Satara
Satna
Sehore
Senapati
Seoni
Shantipur
Shimla
Shivamogga
Patna
Pollachi
Porbandar
Prayagraj
Puducherry
Pudukkottai
Pune
Punjab
Puri
Purnia
Purulia
Raichur
Raigarh
Raipur
Rajamahendravaram
Rajasthan
Rajkot
Rajnandgaon
Ramagundam
Ramgarh
Ranaghat
Nalgonda
Namchi
Nanded
Nandurbar
Narkanda
Narmadapuram
Nashik
Navi Mumbai
Navsari
Nawada
Neemuch
Nellore
Neyveli
Nizamabad
Noida
North Tripura
Pali
Panipat
Papum Pare
Patan
Pathanamthitta
Patiala
Medininagar
Meerut
Meghalaya
Mehsana
Gold Rate In Miraj
Miryalaguda
Mizoram
Moradabad
Morena
Motihari
Mohali
Muktsar
Munger
Murwara
Muzaffarpur
Mysuru
Nadiad
Nagaland
Nagapattinam
Nagda
Nagercoil
Nagpur
Naina Devi
Latur
Lawngtlai
Lohit
Lucknow
Ludhiana
Machilipatnam
Madhya Pradesh
Madurai
Mahabubnagar
Maharashtra
Mahasamund
Malappuram
Malda City
Malegaon
Malerkotla
Mamit
Manali
Mandsaur
Mandya
Mangalagiri
Mangaluru
Manipur
Mathura
Kerala
Kohima
Kolar
Kolasib
Kolhapur
Kolkata
Kollam
Korba
Kota
Kotkhai
Kottayam
Kozhikode
Krishnanagar
Kullu
Bhubaneswar
Bhuj
Bidar
Bikaner
Bilaspur
Burhanpur
Buxar
Cachar
Champhai
Chandel
Chandigarh
Chandrapur
Changlang
Chhapra
Chhatarpur
Amravati
Amritsar
Ajmer
Alappuzha
Aligarh
Alipurduar
Alwar
Adilabad
Agra
Ahmedabad
Ahmednagar
Srikakulam
Tirupati
Vizianagaram
Thanjavur
Achalpur
Guntakal
Hindupur
Madanapalle
Ongole
Proddatur
Adoni
Gorakhpur
Gandhidham
Gandhinagar
Gangavati
Gangtok
Gaya
Eluru
Ernakulam
Erode
Etawah
Faridabad
Firozabad
Dindigul
Dindori
Durg
Durgapur
Dhanbad
Dhar
Dharmavaram
Dharamshala
Dhubri
Dhule
Delhi
Dewas
Dhalai
Dhamtari
Danapur
Darjeeling
Datia
Dehradun
Baharampur
Balasore
Bankura
Bardhaman
Bareily
Baripada
Basti
Batala
Bathinda
Beawar
Begusarai
Belagavi
Berhampur
Betul
Bhagalpur
Bharatpur
Bharuch
Bhavnagar
Bhilai
Bhilwara
Bhimavaram
Bhind
Bhiwani
Bhopal
Bihar
Chirkunda
Chirmiri
Chittoor
Coimbatore
Cooch Behar
Cuddalore
Cuttack
Dadra Nagar Haveli Daman And Diu
Damoh
Deoghar
East Siang
Ghaziabad
Giridih
Goa
Gudivada
Gujarat

Updated on: 21st February, 2026

22-Carat Gold Rate
₹ 14204
(per Gram)

24-Carat Gold Rate
₹ 15506.6
(per Gram)

The present gold rates in Mumbai are subject to change due to global market trends, currency rate fluctuations and demand-supply factors. Refer to the table below to check today's gold rates in Mumbai:

22-karat Gold Rate (Today and Yesterday) in Mumbai

It is advised to compare today's rate for 22K gold in Mumbai with that of yesterday for informed buying and selling decisions. The table below presents yesterday's and today’s 22-karat gold rates in Mumbai, allowing you to know the fluctuations:

Gram	22 Carat Gold Price Yesterday	22 Carat Gold Price Today	Price Change
1 Gram	₹14,204.00	₹14,204.00	₹0.00
8 Gram	₹1,13,632.00	₹1,13,632.00	₹0.00
10 Gram	₹1,42,040.00	₹1,42,040.00	₹0.00
100 Gram	₹14,20,400.00	₹14,20,400.00	₹0.00

24-karat Gold Rate (Today and Yesterday) in Mumbai

When buying or selling 24K gold, you must know the difference in rates between today and yesterday. The table below presents yesterday's and today’s 24-karat gold rates in Mumbai, which can be used for your comparison:

Gram	24 Carat Gold Price Yesterday	24 Carat Gold Price Today	Price Change
1 Gram	₹15,506.60	₹15,506.60	₹0.00
8 Gram	₹1,24,052.80	₹1,24,052.80	₹0.00
10 Gram	₹1,55,066.00	₹1,55,066.00	₹0.00
100 Gram	₹15,50,660.00	₹15,50,660.00	₹0.00

22-karat vs 24-karat Gold Rates in Mumbai (Last 10 Days)

It is important to know the recent rate trends for both 22K and 24K gold in Mumbai for informed buying and selling decisions. To find this trend, you can use the rates for 22-karat and 24-karat gold in Mumbai over the last 10 days:

Date	22K Gold Price	24K Gold Price
20 Feb, 2026	( ) ₹14,204.00	( ) ₹15,506.60
19 Feb, 2026	( ) ₹14,173.70	( ) ₹15,473.50
18 Feb, 2026	( ) ₹13,885.10	( ) ₹15,158.40
17 Feb, 2026	( ) ₹13,910.80	( ) ₹15,186.50
16 Feb, 2026	( ) ₹14,115.40	( ) ₹15,409.80
15 Feb, 2026	( ) ₹14,115.40	( ) ₹15,409.80
14 Feb, 2026	( ) ₹14,115.40	( ) ₹15,409.80
13 Feb, 2026	( ) ₹13,993.30	( ) ₹15,276.50
12 Feb, 2026	( ) ₹14,257.50	( ) ₹15,565.00
11 Feb, 2026	( ) ₹14,410.70	( ) ₹15,732.20
10 Feb, 2026	( ) ₹14,313.00	( ) ₹15,625.50

Compare 22 And 24karat Average Gold Rates in Mumbai 10 | 20 | 30 | 60 | 90 | 80 Days | 1 | 2 | .... | 8 Years

It is advised to analyse the average gold rates for 22-karat and 24-karat gold across different periods in Mumbai to plan your investment strategies. Evaluate the rates ranging between 10 days and 8 years mentioned in the table below for both short-term and long-term trends:

Term	22K Gold Price	24K Gold Price
10 Days	₹14,410.70	₹15,732.20
20 Days	₹13,620.60	₹14,869.70
30 Days	₹13,843.30	₹15,112.80
60 Days	₹12,483.50	₹13,628.30
90 Days	₹11,188.80	₹12,214.90

Gold Rate Calculator

Use a gold rate calculator to know the value of gold today in Mumbai. Enter the weight and purity of your gold asset to get an accurate calculation based on current rates.

Chennai
Mumbai
Mon
Pathankot
Rishikesh
Tirap
Vadodara
Vaniyambadi
Kiphire
Longleng
Noklak
Phek
Phusro
Serchhip
Udalguri
Valsad
Vapi
Varanasi
Vasai Virar
Vellore
Vidisha
Vijayapura
Vijayawada
Visakhapatnam
Warangal
Wardha
Wayanad
West Bengal
West Siang
West Tripura
Wokha
Yamunanagar
Suryapet
Aizawl
Bokaro
Churachandpur
Dalhousie
Dehri
Dimapur
Haldwani
Surat
Tadipatri
Tamil Nadu
Tenali
Thane
Thiruvananthapuram
Thoothukudi
Thoubal
Thrissur
Tiruchirappalli
Tirunelveli
Tiruppur
Khargone
Kochi
Kurnool
Ladakh
Lakshadweep
Kasauli
Kashipur
Katihar
Khammam
Khandwa
Khanna
Karimganj
Karimnagar
Karnal
Karnataka
Karur
Kasaragod
Kalaburagi
Kamptee
Kampur
Kanchipuram
Kannur
Kanpur
Karaikudi
Jharkhand
Jodhpur
Jorhat
Junagadh
Kadapa
Kakinada
Jammu
Jamnagar
Jamshedpur
Jangipur
Jawalamukhi
Jehanabad
Jhansi
Jalandhar
Jalgaon
Jalna
Jalpaiguri
Jamalpur
Jammu And Kashmir
Indore
Itarsi
Jabalpur
Jagdalpur
Jagtial
Jaipur
Hubballi Dharwad
Hyderabad
Idukki
Imphal East
Imphal West
Indora
Haryana
Hazaribagh
Himachal Pradesh
Hinganghat
Hospet
Hajipur
Haldia
Hamirpur
Hanumangarh
Haridwar
Guna
Guntur
Gurugram
Guwahati
Gwalior
Gondia
Tiruvannamalai
Tripura
Tuensang
Udaipur
Udupi
Ujjain
Ulhasnagar
Una
Uttar Pradesh
Uttarakhand
Aurangabad
Palampur
Palakkad
Odisha
Shivpur
Siddipet
Sikar
Sikkim
Siwan
Silchar
Siliguri
Singrauli
Sitamarhi
Sivasagar
Solan
Solapur
Gir Somnath
Sonipat
South Tripura
Sri Ganganagar
Srinagar
Sunam
Ranchi
Ranebennur
Rewa
Robertsonpet
Sundarnagar
Ranipet
Ratlam
Rohru
Rohtak
Roorkee
Rourkela
Rudrapur
Sagar
Saharanpur
Saiha
Salem
Sangli
Sarkaghat
Satara
Satna
Sehore
Senapati
Seoni
Shantipur
Shimla
Shivamogga
Patna
Pollachi
Porbandar
Prayagraj
Puducherry
Pudukkottai
Pune
Punjab
Puri
Purnia
Purulia
Raichur
Raigarh
Raipur
Rajamahendravaram
Rajasthan
Rajkot
Rajnandgaon
Ramagundam
Ramgarh
Ranaghat
Nalgonda
Namchi
Nanded
Nandurbar
Narkanda
Narmadapuram
Nashik
Navi Mumbai
Navsari
Nawada
Neemuch
Nellore
Neyveli
Nizamabad
Noida
North Tripura
Pali
Panipat
Papum Pare
Patan
Pathanamthitta
Patiala
Medininagar
Meerut
Meghalaya
Mehsana
Gold Rate In Miraj
Miryalaguda
Mizoram
Moradabad
Morena
Motihari
Mohali
Muktsar
Munger
Murwara
Muzaffarpur
Mysuru
Nadiad
Nagaland
Nagapattinam
Nagda
Nagercoil
Nagpur
Naina Devi
Latur
Lawngtlai
Lohit
Lucknow
Ludhiana
Machilipatnam
Madhya Pradesh
Madurai
Mahabubnagar
Maharashtra
Mahasamund
Malappuram
Malda City
Malegaon
Malerkotla
Mamit
Manali
Mandsaur
Mandya
Mangalagiri
Mangaluru
Manipur
Mathura
Kerala
Kohima
Kolar
Kolasib
Kolhapur
Kolkata
Kollam
Korba
Kota
Kotkhai
Kottayam
Kozhikode
Krishnanagar
Kullu
Bhubaneswar
Bhuj
Bidar
Bikaner
Bilaspur
Burhanpur
Buxar
Cachar
Champhai
Chandel
Chandigarh
Chandrapur
Changlang
Chhapra
Chhatarpur
Amravati
Amritsar
Ajmer
Alappuzha
Aligarh
Alipurduar
Alwar
Adilabad
Agra
Ahmedabad
Ahmednagar
Srikakulam
Tirupati
Vizianagaram
Thanjavur
Achalpur
Guntakal
Hindupur
Madanapalle
Ongole
Proddatur
Adoni
Gorakhpur
Gandhidham
Gandhinagar
Gangavati
Gangtok
Gaya
Eluru
Ernakulam
Erode
Etawah
Faridabad
Firozabad
Dindigul
Dindori
Durg
Durgapur
Dhanbad
Dhar
Dharmavaram
Dharamshala
Dhubri
Dhule
Delhi
Dewas
Dhalai
Dhamtari
Danapur
Darjeeling
Datia
Dehradun
Baharampur
Balasore
Bankura
Bardhaman
Bareily
Baripada
Basti
Batala
Bathinda
Beawar
Begusarai
Belagavi
Berhampur
Betul
Bhagalpur
Bharatpur
Bharuch
Bhavnagar
Bhilai
Bhilwara
Bhimavaram
Bhind
Bhiwani
Bhopal
Bihar
Chirkunda
Chirmiri
Chittoor
Coimbatore
Cooch Behar
Cuddalore
Cuttack
Dadra Nagar Haveli Daman And Diu
Damoh
Deoghar
East Siang
Ghaziabad
Giridih
Goa
Gudivada
Gujarat

22 Carat
24 Carat

Gold price movement in Mumbai, Feb 2026

Gold Rate	22K	24K
1 February rate	₹ 13,620.60	₹ 14,869.70
20 February rate	₹ 14,204.00	₹ 15,506.60
Highest Price Feb	₹ 14,410.70 on February 11	₹ 15,732.20 on February 11
Lowest Price Feb	₹ 13,620.60 on February 1	₹ 14,869.70 on February 1
% Change	+4.28%	+4.28%
Over all Performance	Rising	Rising

Gold price movement in Mumbai, Jan 2026

Gold Rate	22K	24K
1 January rate	₹ 12,225.00	₹ 13,346.10
31 January rate	₹ 15,186.80	₹ 16,579.50
Highest Price Jan	₹ 16,061.10 on January 29	₹ 17,534.00 on January 29
Lowest Price Jan	₹ 12,225.00 on January 1	₹ 13,346.10 on January 1
% Change	+24.23%	+24.23%
Over all Performance	Rising	Rising

Gold price movement in Mumbai, Dec 2025

Gold Rate	22K	24K
1 December rate	₹ 11,798.10	₹ 12,880.00
31 December rate	₹ 12,200.70	₹ 13,319.50
Highest Price Dec	₹ 12,636.80 on December 26	₹ 13,795.60 on December 26
Lowest Price Dec	₹ 11,687.50 on December 2	₹ 12,759.30 on December 2
% Change	+3.41%	+3.41%
Over all Performance	Rising	Rising

Places to Purchase Gold in Mumbai

If you are planning to buy gold jewellery, several well-known jewellery shops in Mumbai offer a wide range of designs. Alternatively, you can invest in gold ETFs (exchange-traded funds) through reliable platforms. Consider the current gold prices in Mumbai and choose a reputed seller.

Gold as an Investment in Mumbai

When investing in gold in Mumbai, you can choose physical gold, such as gold bars and coins, which can be purchased from jewellery shops and banks. Another popular option is investing in digital gold, which can be bought through trusted online platforms. Sovereign gold bonds (SGBs) issued by the Government of India are also an attractive investment choice. You can also consider gold ETFs, which allow you to invest in gold without physically owning it. Evaluate your investment goals and risk tolerance before choosing the right option for you.

Impact of GST on Gold Prices in Mumbai

The Goods and Services Tax (GST) impacts gold prices in Mumbai. It is important to consider the impact of GST when buying gold, as it can affect today's cost of gold in Mumbai.

Key Considerations When Buying Gold in Mumbai

Assess the purity of the gold jewellery or bars you are purchasing. Consider hallmarked gold, which signifies its authenticity and purity. Check the present gold rates in Mumbai and compare prices from different sellers to ensure you are getting a fair deal. Additionally, evaluate the reputation of the seller before making a purchase.

Factors Affecting Gold Rates in Mumbai

The gold rate in Mumbai is influenced by various factors. The demand for gold during festive seasons and weddings can significantly impact its price. International market trends, such as fluctuations in the value of currencies also play a role in determining gold rates. Additionally, economic indicators like the inflation rate (rate of increase in price over a certain period) can affect today's cost of gold in Mumbai.

Assessing Gold Purity in Mumbai

When assessing the purity of gold in Mumbai, there are certain factors to consider. Gold karat levels refer to the purity of gold, with 24-karat being the purest form. Other common karat levels include 22K, 20K and 8K. To determine the authenticity of gold, check the BIS hallmark on jewellery or bars indicating their purity level.

Tips for Gold Investment in Mumbai

If you are considering investing in gold in Mumbai, here are some expert tips: Track gold prices regularly to make informed investment decisions. Evaluate different investment options like digital gold, physical gold and gold ETFs based on your preferences and risk tolerance. Consider the current gold prices in Mumbai and compare them with historical rates for informed investment decisions. Keep a long-term investment horizon as gold is known for providing stable returns over time.

Identifying Gold Karat in Mumbai

When identifying different karat levels of gold in Mumbai, consider the following: 1. The 24-karat gold is the purest form of gold and consists of 99.9% pure gold. 2. The 22-karat gold contains 9.6% pure gold and is commonly used for jewellery-making. 3. The 20-karat and 8-karat gold come with lower purity levels but are still widely used for jewellery.

Distinguishing Between KDM and Hallmark Gold in Mumbai

To distinguish between KDM gold and hallmark gold in Mumbai, consider the following: 1. The KDM gold is an alloy of 92% gold and 8% cadmium and does not carry a BIS hallmark. 2. Hallmarked gold refers to gold with BIS certification indicating its purity level, such as 96 (9.6%) gold, which is equivalent to 22-karat gold.

Finding Hallmarked 916, 22-karat Gold in Mumbai

If you are planning to purchase hallmarked 916, (22-karat) gold in Mumbai, visit trusted jewellery shops that offer BIS-certified jewellery or bars. They follow necessary quality standards and provide authentic hallmarked gold products.

Why do Gold Prices Vary in Mumbai Compared to Other Cities?

Gold prices in Mumbai can vary compared to other cities due to several factors like demand for gold, local market conditions, availability of gold and competition among sellers.

Ideal Timing for Buying Gold in Mumbai

Timing is crucial when buying gold in Mumbai. Seasonal variations and market trends can impact gold prices. During festivals, the demand for gold increases, which can lead to higher prices. Keep track of historical trends and fluctuations in the gold rates in Mumbai to identify ideal buying opportunities.

Gold Rate Trends in Prominent Areas of Mumbai

Gold rate trends may vary across different areas of Mumbai due to local demand and supply and competition among sellers. Stay updated with rates in different areas to identify suitable rates.

Gold Investment Choices in Mumbai

When making a gold investment in Mumbai, you have several options: 1. Sovereign Gold Bonds issued by the Government of India. 2. Digital gold platforms that allow you to buy and sell gold online. 3. Physical gold bars or coins purchased from reputed jewellery shops and sellers. 4. Gold ETFs that provide exposure to gold without owning physical assets.

Bringing Gold into Mumbai from Abroad

If you are bringing gold into Mumbai from abroad, it is important to understand the regulations and requirements. Familiarise yourself with the current regulations and consult relevant authorities for updated information.

Understanding Fluctuations in Gold Rates in Mumbai

Fluctuations in gold rates in Mumbai can be influenced by various factors, including global market trends and changes in demand for gold. Factors such as inflation rate and geopolitical events can impact the current gold rates in Mumbai. Stay updated with the latest news and trends to understand fluctuations in gold rates.

Where to Check Current Gold Rates in Mumbai?

To check the current gold rates in Mumbai at any time, consult financial sources that provide the latest market updates. These sources share current information on prevailing gold rates in Mumbai.

Conclusion

In conclusion, investing in gold can be an option for residents of Mumbai planning to diversify their investment portfolios. One can make informed decisions and maximise their returns by keeping track of the present gold rate in Mumbai, exploring different investment choices and considering key factors when buying gold.

FAQs

What is the present gold rate trend in Mumbai?

Today’s gold rate trend can be checked through reliable financial sources for up-to-date information.

What is the current cost of -gram of 8-karat and 20-karat gold in Mumbai?

The current cost of -gram of 8-karat and 20-karat gold is and respectively.

What is today's 22-karat gold rate in Mumbai?

Today’s 22-karat gold rate is.

What is the price of 24-karat gold in Mumbai?

Today’s price of 24-karat gold is.

What was the retail gold price in Mumbai yesterday?

Yesterday’s retail price for 24-karat gold was .

What does the future hold for gold rate forecasts in Mumbai?

Gold rate forecasts are subject to market conditions like demand for gold, geopolitical events, and currency exchange rates.

Why does the gold price in Mumbai experience frequent fluctuations?

The price fluctuates due to global economic factors, demand-supply dynamics, and currency exchange rates.

How is the gold price determined in Mumbai?

The price is influenced by international markets, demand for gold, and other economic factors.

What taxes are imposed on gold purchases in Mumbai?

Taxes such as Goods and Services Tax (GST) are imposed on purchases; check local authorities for specific tax rates.

How can I verify the purity of gold in Mumbai?

To verify purity, look for BIS hallmarks on jewellery or consult trusted jewellers who provide accurate information about purity.

What factors influence gold prices in Mumbai?

Factors include global economic conditions, demand for gold, inflation rates, and currency exchange rates.

What are methods for investing in gold in Mumbai?

Methods include physical forms like jewellery or coins and digital options like sovereign bonds or ETFs; choose one that suits your goals.

What considerations are important when buying gold?

When buying, consider purity, current rates, reputation of sellers, making charges, and resale value.

What are various karat levels available?

Available karat levels include 24-karat (purest), 22-karat (9.6% pure), 20-karat (83.3% pure), and 8-karat (75% pure).

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Disclaimer

Prices of gold on this site are indicative, subject to market changes, and provided "as is" from third-party sources without warranties of accuracy, completeness, or timeliness. This information is for general reference only, not investment, financial, or professional advice, and does not constitute an offer or recommendation by Shriram Finance Limited. Verify with official sources before acting; Shriram Finance bears no liability for losses from use or reliance.