Gold has long been more than just a precious metal in Indian households; it is security, stability, and often a quiet form of financial independence. From wedding gifts to carefully saved ornaments, gold jewellery continues to play a critical role in long-term wealth creation, particularly for women who have traditionally been at the forefront of household savings.
With gold prices remaining firm amid global uncertainty, many buyers are once again asking a crucial question: which type of gold jewellery actually makes sense for long-term investment? Understanding purity, making charges, liquidity, and tax implications is key before making that decision.
As per today’s market rates, gold prices in India stand at:
These rates may vary slightly depending on city, jeweller margins, and local taxes, but they provide a reliable benchmark for investors and buyers alike.
According to Anita Sharma, Head of Retail Advisory at SafeGold Financial Services, purity and simplicity should be the top priorities for long-term investors.
“For investment purposes, buyers should prioritise 22 karat hallmarked gold jewellery with minimal making charges. Plain gold ornaments such as bangles, chains, and kadas offer far better resale value than heavily designed or stone-studded pieces,” Sharma explains.
She adds that intricate designs may look appealing but often come with high making charges, which are rarely recovered at the time of resale. Coins and bars, while excellent for investment, do not offer the dual benefit of utility and emotional value that jewellery provides.
Darshika Thacker, Founder, Thacker & Associates, highlights the often-overlooked role Indian women play in long-term wealth preservation through gold and jewellery investments.
“Indian women have traditionally been central to building and safeguarding family wealth through disciplined savings in gold, silver, jewellery, ornaments, and other financial instruments. These assets, accumulated over years through gifts, inheritance, or personal savings, quietly create a strong financial cushion for households. Their true value becomes most evident during times of stress, when they provide immediate liquidity and financial relief.”
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Investors should also be mindful of taxation. From July 23, 2024, gold, silver, jewellery, and ornaments qualify as long-term capital assets after a holding period of 24 months. Long-term capital gains are taxed at a flat 12.5 per cent, without indexation benefits.
Assets sold within 24 months attract short-term capital gains tax, which is added to the individual’s income and taxed as per the applicable slab. For inherited or older jewellery, maintaining purchase invoices or valuation reports is crucial to accurately calculate gains.
Indian women have historically played a pivotal role in building family wealth through disciplined savings in gold, silver, jewellery, and ornaments. Often accumulated gradually, through gifts, inheritance, or personal savings, these assets form a powerful financial cushion.
During emergencies such as medical expenses, business setbacks, or sudden cash flow needs, gold jewellery stands out for its liquidity. It can be sold or pledged quickly, with minimal documentation, offering immediate access to funds. Its ability to retain value during inflation or economic uncertainty further strengthens its position as a dependable store of wealth.
As prices remain strong, informed choices today can translate into lasting security tomorrow.
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