Gold has always been more than just a precious metal in India — it is a symbol of tradition, wealth, and security. Across generations, families have treasured gold jewellery, not only for its aesthetic beauty but also for its role as a financial backup during emergencies. In recent times, however, the trends in gold jewellery have evolved significantly. One of the most popular styles gaining traction is stone-embedded gold jewellery — dazzling pieces adorned with glittering gemstones like rubies, emeralds, sapphires, and diamonds.
These ornaments, while undeniably stunning, often come with hidden financial pitfalls that most buyers remain unaware of. At first glance, the glitter and sparkle of stone-studded jewellery can be irresistible, especially for special occasions like weddings, anniversaries, or milestone celebrations. However, when it comes time to resell these pieces, many people are shocked to discover that their jewellery fetches a much lower value than expected. The primary reason? The weight of embedded stones is often included in the total weight of the ornament, but when selling, only the pure gold content is considered for payment.
At Aghni Gold, one of the Best Gold Buying Shops, we frequently meet customers who regret their earlier decisions to invest heavily in stone-embedded jewellery. These customers realize, sometimes too late, that while their jewellery may have appeared to be a significant investment, the real gold value is much lower due to the non-gold components like stones and heavy settings.
This hidden discrepancy between purchase and resale value can lead to substantial financial loss, particularly when large amounts of money are involved. Moreover, many buyers are unaware that the market does not usually recognize or pay for the value of semi-precious or even low-grade precious stones unless they are certified high-value gems. As a result, the cost of these stones, which was included in the original purchase price, is often entirely lost at the point of resale.
Stone-embedded jewellery also usually comes with higher making charges due to the craftsmanship required for stone setting. These charges, ranging from 15% to 25% of the gold value, are another hidden cost that buyers fail to recover later. Thus, what appears to be a grand and worthy purchase can actually turn into a poor investment when all factors are considered.
In this blog, we will dive deeper into the many reasons why it’s better to be cautious when investing in stone-embedded gold jewellery. We will reveal the hidden truths about weight calculations, resale value loss, and making charges, so you can make an informed decision for your next gold purchase. We will also explain why smart investors prefer plain gold ornaments and how Aghni Gold, recognized as one of the Best Gold Buying Shops, offers transparent services to ensure customers receive the true worth of their gold.
Stay with us as we uncover everything you need to know about the real cost of stone-studded jewellery — and how you can protect your money, your investments, and your peace of mind.
Stone-embedded gold jewellery refers to ornaments where gemstones (like rubies, emeralds, diamonds, or even semi-precious stones) are set into the gold framework. Common types include:
These pieces look grand and attractive. But from a financial standpoint, they are often not the best investment.
Stone-embedded gold jewellery refers to ornaments where gemstones (like rubies, emeralds, diamonds, or even semi-precious stones) are set into the gold framework. Common types include:
When you buy stone-studded jewellery, the total weight includes both gold and stones. You pay for the full weight at the gold rate, even though stones have far less value than gold — and sometimes, no resale value at all!
Example:
Total Weight: 20 grams
Actual Gold Weight: 15 grams
Stone Weight: 5 grams
You still pay for 20 grams at ₹6,000/g = ₹1,20,000 — but you’re actually only getting 15 grams worth of gold!
When you visit one of the Best Gold Buying Shops like Aghni Gold, we remove the stones and only consider the pure gold weight for valuation.
That means the resale value is calculated only on 15 grams, not 20 grams.
Result: Huge loss compared to the original purchase price.
Unless your jewellery has certified diamonds or high-grade gemstones, most embedded stones have zero resale value. In fact, artificial stones are common in many modern designs.
Sadly, many customers realize too late that the beautiful stones they paid for are practically worthless at resale.
Stone setting requires skilled craftsmanship, and jewellers charge heavy making charges — sometimes 15% to 25% of the ornament’s price.
This is a non-recoverable cost when you sell the jewellery later.
Mrs. Meena from Anna Nagar bought a gorgeous 60-gram gold necklace heavily studded with stones for her daughter’s wedding. Three years later, when she came to Aghni Gold, we explained:
She ended up receiving 30% less than what she originally expected.
Her words:
“I wish I had invested in plain gold jewellery instead of getting attracted by heavy stone work.”
If you still love the beauty of stone jewellery, here’s how to be smart about it:
The jeweller mentions net gold weight (without stones) on the bill.
BIS hallmark guarantees purity. Always prefer hallmarked jewellery.
Choose designs with minimal or detachable stones if you want flexibility.
If you’re paying for diamonds or precious gems, insist on certification.
If your primary goal is investment and resale, plain gold pieces are always better.
Stone-Embedded Jewellery | Plain Gold Jewellery |
Resale Value Lower | Resale Value Higher |
Transparency Less (stone weight confusion) | Transparency Full clarity |
Making Charges High | Making Charges Reasonable |
Purity Assurance Complicated | Purity Assurance Easier to certify |
Liquidation Speed Slower | Liquidation Speed Faster |
That’s why experts — and top Best Gold Buying Shops like Aghni Gold — recommend plain gold for investment purposes.
When you walk into Aghni Gold, this is our transparent process:
That’s why we are known as one of the Best Gold Buying Shops — full transparency, best rates, and a stress-free experience.
At ₹6,000/g, you pay:
50g × ₹6,000 = ₹3,00,000
Instant loss: ₹60,000
(Not even including making charges you already paid!)
Would you want to lose ₹60,000 just like that? Probably not.
When it comes to selling your precious gold, trust and transparency matter more than anything else. That’s where Aghni Gold stands apart as one of the best gold buying shops in Chennai. We are not just gold buyers — we are your gold value partners, committed to ensuring that you get the highest, fairest, and most transparent value for every gram of your gold.
At Aghni Gold, we follow a 100% transparent evaluation process. Your gold is weighed and tested right in front of you using certified, advanced, and non-destructive karat checking machines. There are no hidden deductions, and we always explain how we arrive at the final price. Whether you’re selling plain gold jewellery, old coins, or even stone-embedded ornaments, we make sure you understand the real gold value and help you make informed decisions.
One of the biggest reasons people trust Aghni Gold is our instant payment system. Once the valuation is complete and you agree to the price, you receive the money immediately — via cash, bank transfer, or UPI, as per your preference.
We also offer free consultation services, where our experts guide you on the best time and method to sell your gold, based on market trends. This is particularly helpful if you’re holding gold for investment purposes and want to maximize returns.
Our loyal customers consistently choose Aghni Gold for our honesty, professionalism, and customer-first approach. So, if you’re looking to Sell Old Gold in Chennai, Aghni Gold is the name you can count on — every time.
In the sparkling world of gold jewellery, appearances can often be deceiving. While stone-embedded gold ornaments captivate the eyes and hearts of many buyers, they may not be the wisest investment when it comes to long-term value. As we have discussed, one of the biggest financial pitfalls of purchasing stone-studded jewellery is the hidden reduction in actual gold content and the consequential drop in resale value.
When you buy stone-embedded pieces, you are not just paying for pure gold — you are also unknowingly paying for stones that, in many cases, do not hold any real monetary value during resale. Whether they are semi-precious gems or synthetic stones, the reality is harsh: gold buyers like Aghni Gold, one of the Best Gold Buying Shops, calculate the value based only on the pure gold weight, not the total weight that includes stones. Furthermore, the hefty making charges associated with stone setting further erode your potential returns.
For most individuals, gold is not just a piece of adornment; it is a form of security, a backup for times of need. Therefore, it is essential that your gold holds its value over time. When you invest heavily in stone-studded ornaments, you risk ending up with a financial asset that is worth much less than you anticipated. Sadly, many people only realize this when they urgently need cash and approach a buyer to sell their jewellery.
At Aghni Gold, we believe that customers deserve full transparency and honest advice about their gold investments. As one of the Best Gold Buying Shops in Chennai, we see it as our duty to educate customers about the differences between ornamental value and intrinsic gold value. We always recommend that buyers, especially those purchasing gold as an investment, prioritize plain gold jewellery with minimal or no stones. Plain gold retains its weight, purity, and thus, its value, making it a far superior investment compared to stone-embedded designs.
That being said, stone-studded jewellery is not without its place. For those who purchase such pieces purely for their aesthetic appeal or sentimental reasons, understanding the financial implications is still important. Being informed allows you to strike a balance between owning beautiful ornaments and safeguarding your investment.
Ultimately, wise gold investment begins with awareness. It starts with asking the right questions at the time of purchase: What is the net gold weight? Are the stones certified? How much am I paying in making charges? How will this ornament be valued when I want to sell it?
If you find yourself ready to sell old gold, make sure you choose a trusted partner like Aghni Gold. We guarantee fair valuation, transparent testing processes, and immediate payouts — all essentials that ensure you get the maximum value for your gold assets. Whether it is plain gold or stone-studded jewellery, our goal is to help you recover the true worth of your investment with dignity and clarity.
In the grand tradition of gold ownership in India, knowledge has always been as valuable as the metal itself. Make sure your next gold purchase is not just dazzling — but also a smart step toward financial security. Trust Aghni Gold, your expert partner and one of the Best Gold Buying Shops, to guide you every step of the way.
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Aghni Gold does not buy stolen or broken gold. Selling stolen or fake gold is a criminal offense, and if identified, the person and the ornaments will be handed over to the police. Anyone aged 21 or younger can only sell gold with a parent or guardian’s written letter.