• Gold is an investment that functions as jewellery
• You get the ownership of a real physical asset
• It can be easily converted to cash
• There is very low risk in investment of gold
• Gold is ever valuable and is in demand almost always
• It does not depreciate as an investment
• Gold is a safe haven against Inflation, deflation and recession
• It is safe against currency fluctuations
• It has a stable price and offers long term growth)

• In Karat System, "K" measures gold
• 24 karats is fine or pure gold
• 1 karat = 1/24th fine gold by weight
• Kt ratio of pure gold to alloy
• 18kt = 18/24 =0.75*1000 - Gold & 25% Alloy
• 22kt = 22/24 =0.916*1000 - 91.6% Gold & 8.3% Alloy
• 24kt = 24/24 =0.999*1000 - 99.9% Gold & 0.1% Alloy
• Gold purity test - XRF Spectrum, Melting test, Acid test, rubbing
• Accurate test - Melting Purity test
• Karatmeter assists in initial approximate purity test without cutting gold

You might have seen making charges, wastage charges or value addition charges being added to the price of gold jewellery. These are expenditures that we gold vendors incur in producing jewellery. Making charges are those charges that are paid to goldsmiths (Karigar) who craft the jewellery. These charges vary from item to item according to the work involved.

In the process of making the ornaments, loss of gold happens due to filing, polishing and buffing the ornament. Wastage differs from one piece of jewellery to another depending on the kind of crafting and designing that is involved. The value of gold wasted during the process of manufacturing is charged as "wastage". The practice of charging making charge and wastage differs from jeweler to jeweler depending on the pricing system they follow. jewellery retailers charge a lump sum amount as value addition charges that includes both making charges and wastage, while some charge them separately. However, the total amount charged will be more or less same when converted to monetary terms.

KDM represents cadmium. KDM seal in an ornament indicates that the ornament is soldered using a welding rod that is made of cadmium. Until few years back silver was used for this purpose. Cadmium became a better alternative considering its cost effectiveness (only paise 35 approximately per gram) and its evaporation attribute. Cadmium completely evaporates from the ornaments after the soldering process. (But if the correct temperature is not reached some particles of cadmium may remain in the ornament which may be injurious to the health, as per some studies). KDM seal does not guarantee that the gold is 22kt. Ornament can be made in any purity like 20kt. KDM, 18 Kt. KDM, and even 9 Kt KDM.

Tola and sovereign are both measures of weight of gold. Measuring gold in terms of Tola was a traditional Indian practice wherein one Tola equals to 11.664 grams of gold. Sovereign measurement is a British concept where 8 grams of gold make one sovereign. Tola is of 24K gold and Sovereign is of 22 K gold. Today, both these terms have been, to a great extent, replaced by Gram. However, Tola is still minted in Switzerland.

Colour of gold ornaments depends on the alloy (i.e. copper/silver/palladium) used along with it. However, all Jewellery items after manufacturing are treated to give either 22K or 24K colour.

Touch describes the quality of the metals used in any alloy.

The price of diamonds depends on its four main characteristics: Colour, Cut, Carat and Clarity.

Yes. The English birth or lucky stones chart is based on sun signs, whereas the Hindu one is based on the lunar signs, rashis and weak planetary positions in one's horoscope. Here is some info that about birth stones:

Zodiac Gems

Long before the modern 12-month calendar was invented, astrologers assigned certain gemstones to the 12 signs of the zodiac based on the symbolism and metaphysical powers each stone was believed to possess.

Indian Planetary Gemology

In ancient India, beliefs regarding the planets and their relationships with stones also is found.This has developed into what some today refer to as "planetary gemology." In such systems, there are nine planets and nine gems, as shown below. Sometimes jewellery is made using one each of these gems. These are termed navaratna jewels (nava = nine; ratna = jewel).

Yes. Practically all Jewellers agree to make customer-designed jewellery provided the customer can spare some wait time and is willing to pay a little extra.

Jewelers offer schemes basically to make Jewellery within everyone's reach causing the least burden to the individual. Schemes help the customer in planning the purchase of Gold or Diamond to suit one's purse within a given period of time. There are some schemes that safeguard the customer against inflation, rate fluctuations, etc., and there are others that help the customer grow his/her gold savings. Customers can benefit in terms of earning interest and enjoy waiver of making charges, wastage, etc.

Gold rate charged by the jewellers varies according to the rate at which they buy bullion from the bank/market plus profit. The amount of profit levied by the Jeweler may differ.

• Gold Purity/ melting purity
• Gold Rate
• Making Charge
• Wastage/ value addition
• KDM
• Buyback Policy (Cash & Exchange)
• Genuine and correct stone weight reduction.
• Taxes
• Gross weight
• Stone weight
• Gold price
• Stone price
• Buyback policy

• Keep gold free from dust, moisture, sweat and makeup. They will form a coat on the gold and make it lose its glitz
• Keep away from perfumes and chemicals as it can discolour the gold
• Scratches, bruises, dents and abrasions will make it loose its lustre
• Wrap gold in a soft cloth
• Clean and polish gold on a regular basis at a jewellery store
• At home, wash ornaments gently with a mild detergent, warm water and ammonia if available. Brush gently with a toothbrush, rinse and dry polish with a soft cloth
• jewellery with stones is best cleaned at a store to as special care needs to be taken not to damage the settings