Gold Rate in Maharashtra - LIVE Price of 22 & 24 Carat Gold
Gold Rate in Maharashtra - LIVE Price of 22 & 24 Carat is one of the most searched financial queries by buyers, families, investors and taxpayers who want to know whether today is the right day to buy, sell or plan a gold purchase. In Maharashtra, gold is not only a festive or wedding purchase. It is also an emotional asset, a liquidity reserve, a gift, a diversification tool and, for many households, a visible part of long-term wealth.
Yet the number shown as “today’s gold rate” is only the starting point. The amount you finally pay for jewellery in Mumbai, Pune, Nagpur, Nashik, Aurangabad, Thane, Kolhapur or other Maharashtra cities can differ because of purity, making charges, GST, brand pricing, hallmarking, stone value, wastage, buy-back policy and local demand. A buyer who checks only the 22 carat or 24 carat per-gram price may still overpay if the invoice is not understood correctly.
This WealthSure guide explains how to read the live gold rate in Maharashtra, how 22K and 24K rates differ, how to calculate the final jewellery price, what hallmarking means, how taxation applies when gold is sold, and how gold should fit into a sensible personal finance plan. If you are buying gold for a wedding, saving for a short-term goal, comparing gold with SIPs or planning tax reporting after selling gold, WealthSure can help you connect the purchase decision with personal tax planning, goal-based investing support and accurate compliance.
Table of Contents
- Today’s gold rate in Maharashtra
- What the live gold rate actually means
- 22 carat vs 24 carat gold
- How to calculate final jewellery cost
- Why rates differ across Maharashtra cities
- Hallmarking and HUID checks
- Gold as investment vs jewellery
- Tax treatment of gold in India
- Practical examples
- Gold buying checklist
- FAQs
Gold Rate in Maharashtra Today: 22K and 24K Snapshot
Gold rates are usually displayed per gram, per 8 grams, per 10 grams, per tola and sometimes per 100 grams. For most buyers in Maharashtra, the most useful comparison is the per-gram and 10-gram rate, because jewellery invoices are calculated based on weight. However, the final invoice value may be higher than the live rate because jewellery comes with making charges and taxes.
| Purity | Indicative 1 Gram Rate | Indicative 8 Gram Rate | Indicative 10 Gram Rate | Best Used For |
|---|---|---|---|---|
| 24 Carat Gold | ₹15,622 | ₹1,24,976 | ₹1,56,220 | Coins, bars, investment reference and purity benchmark |
| 22 Carat Gold | ₹14,372.24 | ₹1,14,977.92 | ₹1,43,722.40 | Jewellery, wedding ornaments and regular-wear gold |
| 18 Carat Gold | ₹11,716.50 | ₹93,732 | ₹1,17,165 | Diamond jewellery, designer jewellery and stronger ornaments |
Buyer note: The live gold rate is not the same as the final jewellery price. Always ask the jeweller for a detailed invoice showing net gold weight, purity, making charges, GST, hallmarking details, stone value and buy-back conditions. Prices may change intraday and may vary by jeweller, city, purity and product type.
What Does “Live Gold Rate” Mean for Maharashtra Buyers?
A live gold rate is an indicative price that reflects current or recently updated market conditions. In India, gold prices are influenced by international spot prices, currency movement, import duty, bullion market premiums, local demand, jeweller policies and taxes. The rate you see on a website is often a reference rate, not a legally binding final offer from every jeweller in Maharashtra.
This matters because a family buying 60 grams of wedding jewellery may see a large difference between two stores even when the online 22K gold rate appears identical. One jeweller may charge lower making charges but a slightly higher base rate. Another may offer a lower base rate but higher wastage or design charges. A third may have a better buy-back policy. Therefore, the smartest buyer compares the total invoice value, not only the headline gold rate.
For investors, the live gold rate is useful for timing purchases, tracking allocation and comparing physical gold with other options. However, gold should be evaluated as part of your total portfolio. A portfolio that depends too heavily on one asset can become less balanced, even when the asset is culturally trusted. WealthSure’s investment-linked tax planning approach helps users evaluate how gold, mutual funds, deposits, insurance and retirement products may work together.
22 Carat vs 24 Carat Gold: Which Rate Should You Track?
The difference between 22 carat and 24 carat gold is mainly about purity and usage. 24 carat gold is the purest commonly quoted gold category, usually used as a benchmark for coins, bars and investment-grade references. 22 carat gold contains a smaller proportion of other metals, making it more suitable for jewellery because it is stronger than pure gold.
| Point | 22 Carat Gold | 24 Carat Gold |
|---|---|---|
| Purity | Generally 91.6% gold purity | Generally 99.9% gold purity |
| Common use | Jewellery and ornaments | Coins, bars, investment reference |
| Durability | Better suited for wearable jewellery | Softer; less suitable for regular-wear jewellery |
| Price | Lower than 24K because purity is lower | Higher because purity is higher |
| Buyer focus | Hallmark, making charges, design, buy-back terms | Purity, certification, storage, resale spread |
If you are buying jewellery for a wedding, festival, gifting or regular use, the 22 carat gold price in Maharashtra is usually more relevant. If you are buying coins or bars for accumulation, the 24 carat rate may be more relevant. If you are buying diamond or designer jewellery, you may also see 18 carat pricing because stronger alloys are often used in such products.
How to Calculate the Final Price of Gold Jewellery
To estimate the final price of gold jewellery, start with the net gold weight. Then multiply it by the applicable gold rate for the purity. Add making charges, wastage or design charges if applicable. Add GST as per the applicable tax rules. If the jewellery includes diamonds, gemstones or other stones, ask the jeweller to show their value separately.
Simple formula: Final jewellery cost = Gold weight × applicable gold rate + making charges + applicable GST + stone value or other charges, if any.
For example, if a necklace has 20 grams of net 22K gold and the indicative rate is ₹14,372.24 per gram, the base gold value is ₹2,87,444.80 before making charges and taxes. If making charges are 10%, that adds ₹28,744.48 before applicable tax calculations. The final bill will therefore be meaningfully higher than the gold-value-only number. This is why two necklaces with the same weight can have different final prices.
What to ask the jeweller before payment
- What is today’s rate for 22K, 24K or 18K gold used in the invoice?
- Is the rate based on gross weight or net gold weight?
- What are the making charges: fixed amount or percentage?
- Is there any wastage, design, certification or polishing charge?
- Is GST applied on gold value and making charges separately?
- Is the jewellery BIS hallmarked with HUID?
- What is the exchange or buy-back policy?
- Will stone or diamond value be deducted on resale?
Planning a large gold purchase or sale? WealthSure can help you understand the tax impact, documentation needs and portfolio fit before you make a high-value decision.
Ask a WealthSure tax expertWhy Gold Rates Differ Across Mumbai, Pune, Nagpur and Other Maharashtra Cities
Gold is widely traded, but the final consumer price may differ across cities and jewellers. In Maharashtra, Mumbai is a large bullion and jewellery market, Pune has strong retail demand, Nagpur has regional buying patterns, and cities such as Nashik, Thane, Kolhapur and Aurangabad may reflect local retail margins and inventory policies.
Differences can arise due to:
- Bullion reference used: Jewellers may follow different bullion benchmarks or supplier rates.
- Inventory cost: Old stock and new stock may have different purchase costs for the jeweller.
- Making charges: Handcrafted, antique, temple, designer and lightweight jewellery can have different making charges.
- Brand premium: Large jewellery chains may price differently from local jewellers.
- Local demand: Wedding seasons, festivals and auspicious days can influence retail demand.
- Product type: Coins, bars, plain jewellery, stone jewellery and diamond jewellery are priced differently.
That is why a person searching for Gold Rate in Maharashtra - LIVE Price of 22 & 24 Carat should not stop after seeing one rate. Use the rate as a baseline, then compare the actual invoice structure.
Hallmarking, HUID and Purity: The Safety Check Before Buying Gold
Gold jewellery is a high-value purchase, so purity matters. In India, buyers should check hallmarking details before purchasing jewellery. The Bureau of Indian Standards is the national standards body that implements hallmarking and quality-related standards. BIS guidance for jewellery explains that hallmarked jewellery should carry the BIS Standard Mark, purity in carat and fineness, and a six-digit HUID number.
This is not a small formality. A rate shown for 22K gold only makes sense if the jewellery is actually of that purity. If purity is lower than claimed, you may pay a premium for less gold content. The official BIS hallmarking guidance also explains responsibilities of registered jewellers regarding purity and fineness. As a buyer, you should verify the HUID and preserve the invoice.
What a proper gold invoice should include
- Jeweller name and GST details.
- Date of purchase.
- Item description.
- Gross weight and net gold weight.
- Purity, such as 22K or 916.
- Gold rate applied.
- Making charges and GST.
- Stone or diamond value, if applicable.
- Hallmark or HUID details.
- Exchange, repair and buy-back policy.
Gold as Jewellery vs Gold as Investment
Many Maharashtra households buy gold for both emotional and financial reasons. A wedding necklace is not the same as a gold ETF. A gold coin is not the same as a retirement asset. A family heirloom is not the same as a tactical investment allocation. Understanding the purpose of purchase helps you avoid confusion later.
Jewellery
Best for usage, gifting and cultural needs. But making charges, design charges and resale deductions may reduce investment efficiency.
Coins and Bars
Useful for physical accumulation when purity, certification, storage and buy-back terms are clear. Storage and safety are important.
Financial Gold
Gold ETFs, gold mutual funds and other regulated financial products may offer easier tracking, but market risk and tax rules apply.
If your goal is wealth creation, gold should be compared with SIPs, diversified mutual funds, fixed deposits, recurring deposits, insurance needs and emergency funds. For many users, a balanced approach works better than putting too much money into one asset. WealthSure’s tax saving suggestions and investment planning support can help you review how gold fits with your goals, risk profile and tax position.
Tax Treatment of Gold in India: What Buyers and Sellers Should Know
Buying gold is usually a spending or investment decision. Selling gold can become a tax event. If you sell physical gold, gold coins, bars, gold ETFs, gold mutual funds or other gold-linked assets, the gain may be taxable as capital gains. The tax treatment depends on the type of asset, holding period, cost records, date of transfer and current law for the relevant assessment year.
The Income Tax Department’s capital gains guidance explains that gains are classified as short-term or long-term and that tax rates depend on the type of capital asset and other conditions. For taxpayers, the practical point is simple: keep purchase invoices, sale receipts, bank records and valuation details safely. Without documentation, it becomes harder to compute gains accurately.
If you sold gold during the year, you may need to report the gains in your Income Tax Return. If gold was inherited or received as a gift, the cost and holding-period calculation may require additional care. If you have sold high-value gold or have multiple investment assets, consider WealthSure’s capital gains tax support or expert-assisted tax filing.
Compliance reminder: Tax laws may change by assessment year. Final tax liability depends on income, holding period, asset type, documentation, disclosures and applicable law. Refunds, processing and notices are subject to Income Tax Department systems and assessment. Check the official Income Tax e-Filing portal before filing your return.
Practical Examples: How Maharashtra Buyers Should Think About Gold Rates
Example 1: Salaried couple buying wedding jewellery in Pune
Riya and Aniket plan to buy 80 grams of 22K jewellery for a family wedding. They compare only the live gold rate and choose a store that appears ₹100 per gram cheaper. Later, they realise that making charges are significantly higher and the final bill is almost the same as a reputed store with better buy-back terms.
Correct approach: They should compare the full invoice: net gold weight, purity, making charges, GST, hallmarking and resale conditions. For a large purchase, they should also preserve invoices because future sale may require capital gains calculation. WealthSure can help them connect this purchase with retirement planning support and broader financial goals so wedding expenses do not disturb emergency savings or long-term investments.
Example 2: Freelancer in Mumbai selling old gold to manage cash flow
A freelance designer sells old gold coins to fund business expenses. He focuses only on the sale value and forgets that selling gold may create capital gains. He also does not preserve original purchase records, making tax computation more difficult during ITR filing.
Correct approach: Before selling, he should collect purchase invoices, sale receipts, bank entries and holding-period details. If records are incomplete, he should seek expert help rather than guessing. WealthSure can assist with business and professional income filing, capital gains reporting and personal tax planning.
Example 3: Parent in Nagpur comparing gold purchase with SIP for education goal
Mr. Deshmukh wants to buy gold every year for his daughter’s future education. He believes gold is safe and familiar, but he has not compared it with diversified investments. Jewellery purchases also include making charges, which may not be fully recovered on resale.
Correct approach: He can keep some gold for cultural and emergency purposes, but education planning may need a structured goal-based strategy. A mix of SIPs, debt instruments, insurance protection and gold allocation may be more balanced. WealthSure’s goal-based investing support can help evaluate options without promising guaranteed returns.
Example 4: NRI family checking gold rate before gifting in Maharashtra
An NRI family wants to buy gold jewellery during a visit to Maharashtra. They compare 24K and 22K prices online but are unsure about invoice details, payment mode, documentation and future tax reporting if the gold is later sold or gifted.
Correct approach: They should buy from a reliable jeweller, insist on hallmarking, preserve invoices and understand cross-border tax and documentation issues where relevant. WealthSure offers NRI tax filing service and advisory support for Indian income, assets and compliance concerns.
Gold Buying Checklist for Maharashtra
Before buying gold in Maharashtra, use this checklist to avoid common mistakes. It is especially useful for high-value purchases, wedding jewellery and investment-linked gold buying.
| Checklist Item | Why It Matters | Buyer Action |
|---|---|---|
| Check 22K and 24K live rate | Gives a market reference | Compare per-gram and 10-gram prices before visiting stores |
| Confirm purity | Price depends on gold content | Check 916 for 22K and relevant hallmark details |
| Verify HUID | Reduces purity dispute risk | Use BIS guidance and ask the jeweller to explain markings |
| Ask for making charges | Can materially increase final cost | Compare fixed vs percentage making charges |
| Check GST and invoice split | Prevents billing confusion | Ask for itemized invoice, not a lump sum quote |
| Review buy-back policy | Affects future liquidity | Ask about deductions, exchange terms and stone treatment |
| Preserve documents | Helps with resale and tax reporting | Store invoice, payment proof and valuation details digitally |
Gold Rate and Broader Financial Planning
Gold can be useful, but it should not be your entire financial plan. A well-built plan usually includes emergency savings, health insurance, term insurance, retirement planning, tax-efficient investments, liquidity and goal-based investing. Gold may support diversification, but jewellery may not be the most efficient investment vehicle because of making charges and resale deductions.
Before making a large gold purchase, ask yourself:
- Is this for usage, gifting, investment or emergency liquidity?
- Will this purchase reduce my emergency fund?
- Am I buying jewellery or investment gold?
- Have I compared making charges and buy-back terms?
- Do I have the documentation needed for future resale or tax reporting?
- Would SIPs, deposits, debt funds, retirement products or insurance better serve part of this goal?
If you are uncertain, a structured financial review can be more useful than trying to time the gold market. WealthSure’s advisory ecosystem supports tax optimizer service, investment planning, ITR filing and documentation support so that financial decisions are not made in isolation.
Where Official Sources Matter
Gold buying combines market pricing, consumer protection and taxation. For purity and hallmarking, refer to the BIS official website. For income tax filing, capital gains reporting and return processing, use the Income Tax Department e-Filing portal. For broader financial market awareness and regulated investment products, investors can review the SEBI official website. For banking and monetary policy context, the Reserve Bank of India is an authoritative source.
These sources do not replace personal advice, but they help you avoid misinformation. For example, a social media post claiming “guaranteed gold returns” or “no tax on gold sale” may be misleading. Always verify rules and consider your own facts.
FAQs on Gold Rate in Maharashtra - LIVE Price of 22 & 24 Carat
1. What is the live gold rate in Maharashtra for 22 carat and 24 carat gold?
The live gold rate in Maharashtra is the latest indicative price of gold shown for different purities, usually 22 carat and 24 carat. Buyers generally track 22 carat gold when they plan to buy jewellery, because most traditional jewellery is made in 22K. They track 24 carat gold when they want a purity benchmark or are considering coins, bars or investment-linked buying. However, a live rate should be treated as a reference, not the final payable amount. The actual invoice may include making charges, GST, hallmarking-related costs, stone value, wastage or brand-specific pricing. Rates can also change during the day because gold is linked to international markets, rupee-dollar movement, local demand and jeweller policies. If you are buying a large quantity, compare the per-gram rate, the total invoice value and the buy-back policy. WealthSure recommends using live rates for awareness, but making the final decision only after checking the full bill and your broader financial plan.
2. Why is 22 carat gold cheaper than 24 carat gold?
22 carat gold is cheaper than 24 carat gold because it contains a lower proportion of pure gold. 24 carat gold is generally treated as the purest commonly quoted gold category, while 22 carat gold has other metals mixed with it to improve strength and durability. This makes 22K more practical for jewellery that must hold shape and survive regular wear. Because the pure gold content is lower in 22K, its per-gram rate is usually lower than the 24K rate. This does not mean 22K is inferior; it simply serves a different purpose. A necklace, bangle or ring made for daily or wedding use often needs durability, so 22K may be more suitable. A coin or bar bought mainly as a purity-linked asset may be quoted closer to 24K. The right choice depends on your purpose: jewellery use, gifting, storage, investment, resale or portfolio diversification. Always confirm hallmarking and purity before comparing prices.
3. Does the gold rate in Maharashtra include GST and making charges?
In many rate tables, the displayed gold rate does not fully represent the amount you will pay at a jewellery store. The live rate generally reflects the base value of gold for a stated purity and weight. Jewellery invoices usually include additional items such as making charges, wastage or design charges, GST, hallmarking-related particulars and separate value for stones or diamonds. This means a customer who multiplies the live 22K rate by jewellery weight may underestimate the final bill. For example, two bangles with the same gold weight may have very different prices if one has heavier craftsmanship or a higher making charge percentage. Before payment, ask the jeweller for a detailed invoice showing net gold weight, rate used, making charges, tax and any stone value. A transparent invoice helps you compare shops and also supports future resale or tax reporting. WealthSure advises buyers to compare the final payable amount, not only the headline gold rate.
4. How do I calculate the final price of gold jewellery in Maharashtra?
To calculate the estimated final price of gold jewellery, begin with the net gold weight and multiply it by the applicable gold rate for the purity, such as 22K or 18K. Then add making charges. Making charges may be a fixed amount per gram or a percentage of the gold value. Next, include applicable GST and any other disclosed charges. If the item includes stones, diamonds or enamel work, ask the jeweller to show their value separately because these may be treated differently during resale. A simple estimate is: gold value plus making charges plus applicable GST plus stone or other disclosed charges. The mistake many buyers make is using gross weight without understanding net gold weight, especially in stone-studded jewellery. Another mistake is comparing a lower gold rate without noticing higher making charges. For high-value purchases, create a small comparison sheet across two or three jewellers. This can save money and reduce confusion.
5. Is hallmarked gold important when checking 22K or 24K gold prices?
Yes, hallmarking is extremely important because the value of gold depends directly on purity. If you are paying a 22K price, you should receive jewellery that meets the stated purity. Hallmarking helps buyers verify that the jewellery carries recognized purity identification. A proper hallmarked article should show key details such as the BIS Standard Mark, purity in carat and fineness, and the six-digit HUID number. Buyers should not rely only on verbal assurance or a shop display board. Ask the jeweller to show the hallmark and explain the invoice details. You can also refer to official BIS guidance for hallmarking and jeweller responsibilities. Hallmarking does not remove the need to compare making charges or buy-back terms, but it reduces the risk of paying for a purity level you are not receiving. For families buying wedding jewellery or large quantities, this check is essential before payment.
6. Is gold a good investment compared with SIPs, FDs or recurring deposits?
Gold can be useful as a diversification asset, but whether it is “good” depends on your objective. If you are buying jewellery for use, the investment efficiency may be lower because making charges and resale deductions can reduce returns. If you want exposure to gold as an asset class, gold ETFs, gold mutual funds or other structured options may be easier to track than jewellery, although market risks and tax rules apply. SIPs in mutual funds may be suitable for long-term wealth creation, but they carry market risk. Fixed deposits and recurring deposits may offer predictable interest, but returns are taxable and may not beat inflation after tax. A balanced plan may include some gold, but it should not ignore emergency funds, insurance, retirement planning and growth investments. WealthSure can help compare options based on tenure, liquidity, risk comfort, tax position and goals, without promising guaranteed returns.
7. What tax applies when I sell gold in India?
Selling gold can result in capital gains tax. The treatment depends on the type of gold, the holding period, purchase cost, sale value and applicable income tax law for the relevant assessment year. Physical gold, gold jewellery, coins, bars, gold ETFs and gold mutual funds may have different practical documentation and tax considerations. Short-term gains are generally taxed based on applicable rules for the asset and taxpayer, while long-term gains follow specific provisions. Taxpayers should preserve purchase invoices, sale bills, bank statements and valuation documents. If gold was inherited or received as a gift, the cost and holding-period rules may require careful review. A common mistake is assuming that old family gold has no tax impact when sold. Another mistake is not reporting the sale in the Income Tax Return. If the sale value is significant, it is safer to take expert guidance for capital gains computation and ITR reporting.
8. Why do gold prices differ between Mumbai, Pune, Nagpur and other Maharashtra cities?
Gold prices can differ between Maharashtra cities because jewellers may use different bullion references, inventory costs, local pricing policies, making charges and brand margins. Mumbai may have a different retail pricing environment from Pune, Nagpur, Nashik or Kolhapur because of market depth, local demand and supply-chain factors. Even within the same city, two jewellers can quote different final amounts for the same weight because the base rate is only one part of the bill. Making charges, wastage, design complexity, stone value and buy-back terms can make a bigger difference than a small variation in the displayed gold rate. Therefore, the best comparison is not simply “which shop has a lower 22K rate today?” Instead, compare the final invoice for the exact product, purity, weight and design. Ask for a written quote when the purchase is large, especially during wedding seasons when demand and charges may be higher.
9. Should I buy gold now or wait for the rate to fall?
No one can reliably predict short-term gold prices. Gold rates move due to global economic uncertainty, currency movement, interest rate expectations, inflation concerns, geopolitical risks, central bank activity and local demand. If you are buying jewellery for a fixed wedding or festival date, waiting for a perfect rate may not be practical. In that case, focus on purity, making charges, invoice transparency and budget discipline. If you are buying gold for investment, consider staggered purchases or a planned allocation rather than putting a large amount at one price point. Also compare whether part of the money should go toward SIPs, deposits, insurance or emergency savings. The right decision depends on time horizon, liquidity needs, existing assets and risk comfort. WealthSure can help you evaluate gold as one part of a broader financial plan rather than a speculative timing decision.
10. How can WealthSure help with gold buying, tax planning and investment decisions?
WealthSure helps users connect gold-related decisions with the larger financial picture. If you are buying gold, WealthSure can guide you on budgeting, documentation, investment alternatives and the role of gold in your portfolio. If you are selling gold, WealthSure can help you understand capital gains, collect documents and report the transaction correctly in your Income Tax Return where applicable. If you are comparing gold with SIPs, fixed deposits, recurring deposits, debt funds, insurance or retirement products, WealthSure’s advisory approach can help you review suitability based on your goals and risk profile. WealthSure also supports expert-assisted tax filing, personal tax planning, capital gains tax support, NRI taxation and goal-based investing. The idea is not to push every service, but to help you avoid isolated decisions. Gold can be valuable, but the best financial outcomes usually come from coordinated planning, accurate tax reporting and disciplined investing.
Conclusion: Use Gold Rates Wisely, Not Emotionally
Searching for Gold Rate in Maharashtra - LIVE Price of 22 & 24 Carat is a smart first step before buying or selling gold. It helps you understand the current market reference, compare 22K and 24K prices and prepare for a jewellery store discussion. But the live rate is only one part of the decision. The real cost depends on purity, weight, making charges, GST, hallmarking, stone value, buy-back terms and the purpose of purchase.
For small jewellery purchases, self-checking rates and invoices may be enough. For wedding purchases, high-value gold sales, inherited gold, NRI situations or investment allocation, expert-assisted support can be safer. Accurate documentation also matters because selling gold may create capital gains that need correct reporting. Gold can support diversification, but long-term financial growth usually needs a broader plan that includes emergency funds, insurance, tax planning, retirement planning and disciplined investing.
WealthSure can help you look beyond the daily gold rate and make better financial decisions with practical tax, investment and compliance support. Whether you need personal tax planning, capital gains tax support, Income Tax Return filing online or goal-based advisory, the goal is to keep your money decisions clear, documented and aligned with your future.
Need help planning a gold purchase, gold sale or investment strategy? WealthSure can help you review tax impact, documentation, portfolio allocation and next steps with expert-led guidance.
Talk to a WealthSure expertAt WealthSure, we don’t just file taxes — we simplify your financial journey and help you build long-term wealth with confidence.
Disclaimer
This article is for general informational and educational purposes only. Gold prices are indicative and may change during the day. Final rates, GST, making charges, buy-back terms and product suitability vary by jeweller, city, product and individual facts. This article does not constitute tax, legal, investment or financial advice. Investment products may carry risk. Tax laws and capital gains rules may change by assessment year. Please verify current rates with your jeweller, check official sources where relevant and consult a qualified professional before making high-value financial, tax or investment decisions.