Gold prices have once again reached record levels! On March 17, 2025, gold touched an all-time high of ₹90,750 per 10 grams. With such soaring prices, many people might be thinking about selling their gold jewellery for profit. But before you do, it's important to understand how much money you will actually receive.

Even though gold prices are at a peak, selling gold jewellery doesn’t fetch you the exact market rate. Several deductions are applied, including:
✔️ Making Charges
✔️ Market Price Cuts (‘Batta’)
✔️ GST Loss

On average, you get 10-12% less than the market rate when selling jewellery.

When you buy jewellery, you don’t just pay for the gold’s weight but also making charges (10-25%), GST (3%), and retailer markup. However, when you sell, these charges aren’t refunded, leading to a significant loss.

Imagine you bought a 16g gold necklace on March 9, 2025, at a gold price of ₹8,000 per gram. Ideally, you should receive ₹1,28,000 for it. But let’s break down the actual payout:

💰 Making Charges Deduction (15%) → ₹19,200 lost
💰 Market Price Deduction (5%) → ₹6,400 lost
💰 GST Loss (3%) → ₹3,840 lost

Final Amount Received = ₹98,560 (instead of ₹1,28,000)

That’s a 25% loss when selling gold jewellery!

If you trade your old jewellery for new gold jewellery, you still face deductions. On average, a 20% deduction applies, meaning if you exchange 16g of 22K gold jewellery, you’ll only get 12-15g of new jewellery in return.

Selling jewellery may also attract Capital Gains Tax, further reducing your net earnings.

Considering these deductions, investing in Gold Bars & Coins is a smarter move since they have:
✔️ No Making Charges
✔️ Minimal Deductions on Resale

📌 Gold ETFs (Electronic form, easy to trade)
📌 Digital Gold (Secure online investment)
📌 Sovereign Gold Bonds (Earns interest along with gold price appreciation)

🔔 Final Advice: Instead of buying jewellery for investment, consider pure gold forms like bars, ETFs, or bonds to maximize returns!