Kanye Put 20cts On Kim's Hand

Kim Kardashian is walking around with over $5 million on her fingers now that Kanye West hit her with another massive diamond ... just because he loves her.

TMZ has learned Kim's new Lorraine Schwartz rock is 20 carats -- 6 carats bigger and cost 3 times more than her $1.3 million engagement ring.

Sources close to the jeweler tell us the emerald cut rock is a type IIa diamond, which means it's pretty rare and close to flawless.

Seems it's pretty rare for Kim to double up, but she was seen wearing both rocks at a Harper's Bazaar party on Sept. 9.

Insurance is a bitch.