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Sell Gold Jewellery for Cash: Transparent Valuation for Necklaces, Rings, Chains & Ornaments
Looking to sell gold jewellery for cash? Whether you have a single necklace, an entire wedding set, or a collection of pieces you no longer wear, the valuation is transparent and the payout is immediate. When you sell gold jewellery at a dedicated buyer, your pieces are never melted during testing – XRF (X-ray fluorescence) reads the exact gold purity in seconds, stones are removed and returned to you, and the final price is calculated openly using today’s live gold rate. Walk into your nearest branch with your jewellery and a valid ID, and you can leave with cash, UPI transfer, or a direct bank deposit, usually in under an hour. See today’s gold rate below or visit your nearest branch for a no-obligation jewellery valuation.
How Today’s Gold Rate Sets Your Jewellery Selling Price
When you sell gold jewellery, the final payout is calculated using a transparent formula:
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Selling Price = Net Gold Weight × Purity Factor × Today’s Live Rate − Soldering & Wastage Deduction
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Net gold weight is what remains after stones, beads, and any non-gold components are removed (and returned to you). Purity is measured by XRF – typically 22K (91.6% gold) or 18K (75% gold) for most Indian jewellery. The widget below shows current 22K, 24K and 18K rates per gram so you can estimate your payout before you visit.
How Jewellery Valuation Works (Step-by-Step)
Here’s exactly what happens when you bring jewellery in for valuation:
Initial Weighing
Each piece is weighed individually on a calibrated digital scale. The gross weight is shown on screen.
Stone Removal
Diamonds, gemstones, beads, or non-gold elements are removed and placed aside. They are returned to you, not bought.
XRF Purity Testing
The XRF machine reads the exact gold content of each piece without melting, scratching, or filing. The reading takes seconds.
Net Gold Weight Calculation
Net gold weight × purity factor × today’s live rate. The full calculation is shown to you, line by line.
Live Rate Application
Once stones are removed, the remaining gold is reweighed. This is the figure used for payout.
Wastage & Soldering Deduction
Net weight × purity factor × today’s live rate. The full calculation is shown line by line
Final Offer & Instant Payment
You receive a final figure. If you accept, payment is on the spot via cash, UPI, or bank transfer.
Deductions: What Gets Subtracted and Why
The single biggest concern when people sell gold jewellery is the fear of hidden cuts. Here’s exactly what is deducted, and what is not:
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Stones and non-gold components – weighed separately and returned to you. Not deducted in any other way; simply not counted as gold.
Soldering weight – every piece has small amounts of solder used to join links or set stones. Typically 1–3% of total weight.
Wastage – minor handling and processing wastage, again typically within 1–3%. Combined with soldering, total deductions rarely exceed 3% for standard jewellery.
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What is NOT deducted: making charges from your original purchase. These were paid to the manufacturer when you bought the jewellery and are not subtracted again at sale. You are paid for the actual gold content, full stop.
Sell Old Gold Jewellery and Inherited Pieces
A large share of jewellery brought in for valuation is old, inherited, or worn for decades – often without the original purchase bill. To sell old gold jewellery or inherited pieces, the original bill is helpful but not mandatory. As long as you can complete standard KYC (PAN and Aadhaar), inherited pieces are valued at the same rate as any other gold of the same purity. The age, design, or fashion of the piece does not affect the rate – only the gold content matters.
Documents Required
To complete the transaction, please carry:
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PAN card – required for any single sale of ₹2 lakh and above.
Aadhaar card – for KYC verification and address proof.
Original purchase bill (optional) – if you have it, bring it; if not, the rate is unaffected.
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