What you need to know
Only the gold content counts. Stone-studded or kundan jewellery can lose 10%–40% of its gross weight after deductions.
Typical deductions
| Item | Effect on net weight |
|---|---|
| Plain gold chain / bangles | Very little deduction |
| Stone-studded ring / earrings | Stone weight deducted in full |
| Kundan / polki | Large deduction for lac and stones |
| Hollow or wax-filled items | Filling deducted |
Tips
- Pledge plain, high-purity items first to borrow more with fewer pieces.
- Ask for gross and net weight per item on the receipt.
- Keep jewellery bills that show net gold weight.
Frequently asked questions
Do lenders pay for the stones?
No, stones and gems are not valued for gold loans.
For information and comparison only. Loan terms, rates and rules change — confirm with the lender and read the Key Facts Statement before borrowing.