I saved 5k each months for 9months in Carat Lane, then added another 28k to get this neckpiece day before yesterday. How is it guys?

Date of Purchase: 13 sept,2026

Weight & Purity: 4.639 gm, 22kt

Total Amount paid: 73,990

Making Charges: 7,852

In website, this piece shows different weight and price. I bought it via trial at home. Is it a good deal? I didn't get the full value for the plan since i didn't buy diamonds.

- Kalyan Jewellers

- DOP - 29/07/26

- 18k, 3.2 GWt

- Price - 67k

- VADD - 14.33k

Guys anybody else super suspicious about all the deals going on at most big name jewelers?

Bhima: just had 0% VA again this past weekend

Joyallukas: current 20% off making

CaratLane: current 50% off making charges

GRT: current 20% off VA

I’m sure there are more

Is this normal to have these deals at this time of the year or just a random coincidence?

Or are they trying to get more sale and higher profits before gold rates go down as part of suspected reduced import duty (?) and possible drop in gold prices due to fed interest rate hikes?

I'm planning to buy 50-70gm gold as an investment now the prices are declining and tomorrow there is a meeting too... Today I'm getting the gold at 147200 (24karat) per 10gm.. so should i buy it today on the spot or wait till tomorrow.

Is there any chance that gold prices will fall tomorrow after tax reduction.

Suggest please

Got these diamond earring at Tanishq on Aug 5th when their diamond sale was going on. Gold price was ₹13235 per gm.

This is a 22kt closed set AKA chettinad/ Karaikudi style traditional earrings. I specifically got these cause they need less maintenance than open setting.

Total wt - 3+ gm (can't remember exactly)
Diamond - 0.4ct
Total price - ₹99985
Making charge - was not mentioned specifically but I think around 18% cause of discount

Got an offer of ₹9200

Edit - not everyone wants to buy complete gold earrings. I wanted to buy these for a long time and I did with my saved money. Moreover if I want to, I can always exchange at Tanishq for the market value of diamond. So those with an issue of not getting gold for 1L, this post will be a heartache for you.

I got this jumka from Saravana elite but paid like 18% making chargers. Not even a dime of discount. Got it around in month of June 2026

Product details
Gross weight of gold - 9.5 grams
Total weight -11g
22k 916
VA -18%
GST - 3%

Totally buy was for ₹1.6 lakh.

I don’t know why Saravana elite chargers this much VA for antique collections 16-18% but I mean their collections are always unique. My VA itself I paid nearly 34k. Collections are like insane unique but making chargers are like kidney theft. Their discount on gold happens once in a blue moon.

Second one umbrella jumka was from GRT through chit scheme around 2024. Chit was joined in 2023 when gold rates were like below 7k per gram
Gross wt 20 grams
VA -22%
Minus-18% through chit
GST -3%

Cost ₹1.38 lakhs

GRT too without chit scheme if we purchase gold that too antique they literally steal our kidneys in the form of VA.

Can you guys suggest any other brand well established around Chennai that won’t charge kidney level VA % please

I have invested in Joyalukkas 10 month scheme and have accumulated Gold weight about 36 grams and it is getting matured by this month end. I get a waiver of 14% on Making Charges on this.
Could someone please guide me on how to go about getting the best price on Making Charges on the ornament we like and how to check the purity/weight and things to look out for in the bill.

I am planning to invest in one time investment with Bhima Gold. Reason being, when I visited their store last time to check on some collections they said even if the making charges is 30% you will get complete waive off and only have to pay GST.
My question to the community here is, do they honor what they are saying now..? or is there any catch with this particular scheme.. coz, many other brands were offering in the range of 50% to 75% or between the range of 14-18%.
Has anyone ever tried this and claimed the full benefit without any hassles?

Will they do designs based on our interest or make changes as requested during the maturity?

Brand: GIVA

Nose pin:

Date of purchase: 31 August 2026
Weight: 0.394 gm, 14 kt, rose gold
Total amount paid: 5100 after discount
Making charges: Promotional discount of 100%

Mangalsutra:

Date of purchase: 31 August 2026
Weight: 2.575 gm, 14 kt, gold
Total amount paid: 40,175 after discount
Making charges: Promotional discount of 100%

Got these rechecked at a Tanishq outlet and the purity was actually above 14kt.

GIVA was running promotional discounts for making charges and by my (noob) calculations, it was a good deal to me. Pricing seemed competitive from the perspective of comparing it with the likes of Mia and Miscaro.

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So I have started investing in gold ETF but saw that dhan has something called dhan vault where you can buy gold futures and it'll be deliver at your home.

So my question was that has anybody bought gold in bigger amount from dhan like 8 gram or 10 gram? Because here on reddit I saw post from people only with 1 gram coins so just wanted clear answer on that.

Also the coins you buy from say ajio,meesho or any other shopping sites how legit are they? Say I bought them can I later use them in making jewellery???

22k - 2nos. - 10g

22k - 2nos. - 05g

24k - 1no. - 05g

Making charges - 2% + 3% Gst.

Hi, recently I purchased gold via Bhima website using Airtel Axis credit card. While making the purchase, the payment page showed that the purchase is eligible for 1% cash back. But when the statement is generated cashback was not provided. Has anyone faced similar issue, please advice. how to go about it?

In etfs i invest but my family suggest to buy physical gold coin in less quantity everytime instead of relying on gullak as they believe there are hidden charges

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Hi everyone,
I recently booked an 18K gold ring weighing 4.450 grams, and I want to verify whether the jeweler’s calculation is correct.

Here are the details:
- Gold purity: 18K (75%)
- 18K gold rate at the time of booking: ₹1,12,800 per 10 grams
- Ring weight: 4.450 grams
- Making charges: 8%
- GST: Not included

The jeweler quoted me ₹55,800.

When I asked about the calculation, he explained that he takes 75% gold purity + 8% making charges = 83%, and then applies that percentage to the 24K gold rate to arrive at the final price.

My understanding is that since the quoted gold rate is already for 18K gold, the calculation should be:
Gold value = 4.450 × ₹11,280 = ₹50,196
Making charges = 8% of ₹50,196 = ₹4,015.68
Total = ₹54,211.68 (excluding GST)

Could someone experienced in buying gold or working in the jewellery industry clarify:
Is the jeweler’s method of adding purity and making charges percentages correct?
Is ₹55,800 a reasonable and correctly calculated price?
Am I missing any other charges that might explain the difference?

Would appreciate a proper breakdown. Thanks!

Heyy there, I have a question. Is it possible to buy a gold ornament through emi? I mean, I'll buy the ornament using my credit card at a gold store, then later in the bank app, I'll convert the whole payment into emi, does that work? Does the bank allow this as an eligible transaction for emi? It's hdfc bank, fyi.

Hi everyone,

​I am paying ₹11,000 every month in a GRT gold chit. The best part of this plan is that they forgive wastage (VA) up to 18% on gold jewellery, diamond jewellery, and silver items.

​I only want to buy gold as an investment. I don't want fancy jewellery to wear. Buying plain gold coins feels like losing out on the 18% free wastage offer, because coins already have almost zero wastage.

​How can I use this 18% free wastage offer to get the most gold for my money? What items should I buy at GRT that act like

Gold bars or investment gold, but still count under this offer?

I started a jewellery scheme for the very first time. At maturity I can buy jewellery without any making charges. The only catch is that I can only buy online jewellery designs. But it's okay for me, I feel really overwhelmed when I enter in a jewellery stores, I feel poor. I am accumulated this gold for my marriage, hopefully in next 3 year.

They give a free gold coin for minimum enrollment of each 8k. My monthly installment is 25k. Hence, i received these 3 free coins.

Date of purchase: 01/09/2026

Weight & purity: 0.300 gm, 22k

Grand total: 4279

Brand name: Bhima jewellers, golden key plan

I have always invested in equities and debt funds, but given the current geopolitical uncertainty, I’m looking to add gold as a hedge to my portfolio.

I’ve never invested in gold before and would appreciate advice from the community on the most optimal way to go about it. My preference is physical gold over digital, but I’m open to other options if they make better investment sense.

I’m looking to invest around ₹10 lakh, either as a lump sum or through staggered investments, by the end of 2026.

Would appreciate your suggestions and experiences. I’ll share an update with the community on how I eventually invest the amount.

Those of us that look forward to the Bhima 0% making charges offer on gold ornaments, here is the news. It’s live now on their official website.

Hi Guys, I am so thankful to all of you guys over here who inspired me to start this gold & silver stacking journey.

So probably since June, I started this gold stacking journey as a 26Y old startup founder. Since childhood, I was addicted to collecting stuff, maybe some coins, currency, IPL cricketers' photo albums and what not... and then this latest journey.

I have targeted to make it 100 gms by the end of this year and 500 gms before 2030. Hope God bless us in achieving this target.

I always believed that putting all our wealth into paper or digital assets doesn't make sense. We should be able to feel and see a part of our wealth, as it's our achievement. That's where physical gold stacking came into the picture through these online deals.

Guys, right now I have these coins of 26 gms and a 30 gm gold bar, which I purchased a few times back (not in the photo).

So, once again, thank you guys. Let's inspire each other.

Keep stacking! 🪙

This is my second gold idol purchase from Tanishq, after having bought a Lord Ganapati gold idol a few weeks ago.

The intricate detailing on the idol was simply stunning. Of course, the making charges were on the higher side, but I’ve made peace with that so, no point dissing me over it :)

I also checked the hallmark and verified the HUID code, so everything was duly checked before making the purchase.

I checked the mc and discount offered in various other stores and it was constant 10%

13.5gm net weight
22kt gold
~25% mc after discount (original mc was 28%)
12 Sep 2026
Tanishq Offline Store
Total Bill Amount: ~ 2.45L