Wear jewellery
10g of 22K you can put on. Resale is close to metal only — about ₹1,40,920.
Catch: ₹21,645 of making + GST does not come back when you sell.
Best when: A wedding, gift or something you will actually wear.
Gold Value Calculator
Turn today's live 22K gold rate into an all-in jewellery invoice, then see the same rupees in an SGB, gold ETF or a 5-year SIP-before you visit the store.
Gold valueSilver value
₹
1,00030,000
g
0.1500
%
040
%
018
- Metal
- Making + GST
Metal value
₹1,40,920
Making
₹16,910.40
GST
₹4,734.91
Est. total
₹1,62,565
Same ₹1,62,565: wear it or hold it?
Today's India 22K gold rate is ₹14,092/g. A 10g jewellery invoice at 12% making is ₹1,62,565. Paper gold (no making) would buy about 11.5g — 1.5g more than the piece. Illustrative, not advice.
Sovereign Gold Bond
Same ₹1,62,565 buys ~11.5g of gold exposure, plus ~₹32,513 interest over 8 years (2.5% p.a.).
Catch: Lock-in and exit windows. Interest is taxable. Capital gains at maturity follow SGB rules.
Best when: An 8-year hold when RBI has a tranche open.
Gold ETF / gold fund
Same ₹1,62,565 buys ~11.5g of gold exposure (expense ratio chips a little each year).
Catch: No making charges, no ornament. Taxed as per current gold-fund rules.
Best when: Liquid gold you can SIP or sell on a trading day.
Skip — start a SIP
₹2,709/month for 5 years at an illustrative 12% is ~₹2,19,744 (you would have invested ₹1,62,565).
Catch: Market-linked. Not gold. Use this only if the jewellery is optional.
Best when: A goal that is not “I need to wear this”.
Figures are mathematical illustrations only and not a promise of performance. Mutual funds, deposits, loans, and insurance are offered by respective institutions-please read scheme documents and terms before investing or borrowing.
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Gold value calculator - how to use this tool
Estimate gold jewellery cost from per-gram rate, weight, making charges and GST.
This gold value calculator prices jewellery, coins and bars from weight, purity (24K, 22K, 18K) and the prevailing rate, with making charges and 3% GST shown separately. Use it to sanity-check jeweller quotes and to estimate what your holdings are worth today.
Adjust sliders to stress-test assumptions, review the visual breakdown where shown, and export or share results. For a documented plan, talk to Saarthi Capital.
Browse the full calculator hub for SIP, EMI, FD, tax, and more.
Frequently asked questions
How is the value of gold jewellery calculated?
Value is roughly weight × purity factor (22K is 22/24) × the prevailing gold rate, plus making charges and 3% GST on the total. This gold value calculator separates metal value from making charges so quotes are comparable.
What is the GST on gold purchase in India?
3% GST applies on the gold value, and making charges attract GST as well. Rates are set by the GST Council-confirm the latest before a large purchase.
Why is the resale value lower than what I paid?
Making charges and GST are not recovered on resale-you are paid for metal content alone, sometimes with a purity deduction. Treat jewellery as consumption, not a pure investment.
Should I buy jewellery or an SGB / gold ETF with the same money?
If you will wear the piece, jewellery wins. If you want gold exposure, the same invoice usually buys more grams via SGB or a gold ETF because making is not gold. The calculator on this page and the wear-vs-hold tool on gold rate pages show that split with today's rate.
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