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Make the right investment

Thursday, July 19, 2018

Buying jewellery involves a huge expense so make sure you know what you are looking for, says Ketan Chokshi

As a consumer, it is very important for you to have right knowledge about the piece that you intend to buy, as buying jewellery involves a large investment.

1 Quality Talking about quality, it is important for the customer to keep certain aspects in mind while purchasing jewellery.

  • The jewellery should bear the BIS Hallmark. It is a guarantee of the purity of the metal. Hallmarking is done by Bureau of Indian Standards (BIS). The mark establishes the origin and fineness of the material and makes sure that it has been accurately tested. It so happens that a consumer tends to get confused between a branding mark and a legal hallmark. Both these marks have respective significance and should not be confused. BIS embosses its logo for hallmarking and it also bears a fineness number.

While buying diamonds, it is important to consider the clarity, cut, colour and carat of the diamond. All these factors are responsible for the appearance and quality of the diamond. It is essential to buy a diamond that is tested by independent gemological labs. The certificate gives us a clear idea of the weight, measurement, colour, polish, cut, and quality of the diamond.

2 Transparency As there is no standard invoicing pattern in India and the billing system also varies from one brand to the other, the customer should always ask about the price break-up of the jewellery. This is in alignment with the buy-back policy of the jewellery brand and it helps the customer to get the right amount against the jewellery in future. Along with the buy-back policy, the customer should check if there is an exchange policy the jeweller is offering.

3 Longevity This is one of the most important aspects that the customer should take into consideration. The brand you buy from has to be reputable. Trust in the brand and the reputation of the brand is something that the customer should always take care of. The customer should go and check the website to understand the brand. Before purchasing the jewellery, the customer should ask for mandatory documents that act as a proof of the quality of the jewellery.

4 Jewellery techniques Jewellery techniques includes colour, clarity, cut, and carat.

  • It is advisable to buy a faceted gemstone as they have better clarity. This is because of their nature to allow the light to pass through them. A lot of laboratory-created gemstones are also available in the market; although they look similar to natural gemstones, they are less valuable.
  • Clarity specifies fractures in a gemstone. The fewer the fractures, the better is the quality of the gemstone. Fewer fractures are known to enhance the transparency of the stone.
  • The cut of the gemstone is of two types – faceted and non-faceted. As mentioned above, it is always preferred to go with a faceted gemstone as the stone is well proportioned and symmetrical in nature.

Carat is the measure of the purity of diamond and Karat is the measure of the purity of gold. The higher the carat, the more valuable is the gold. In addition to gold, other metals/ alloys like zinc, copper, silver  are also added in order to increase the hardness and toughness of the jewellery. Although 24Kt is the purest form of gold, 22Kt is the most popular form of gold jewellery used.

5 Making charges This depends on the kind of jewellery the customer plans on buying. It also depends on the kind of detailing required in the design. Making charges can be either as a percentage or as flat making charges.

As the price of the gold is increasing with each passing year, it would be beneficial for the customer to go with flat making charges in comparison to the percentage.

Ketan Chokshi is co–owner, Narayan Jewellers, Vadodara

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