Dhanteras Gold: 3 Certificates That Protect Your ₹50K+

Buying gold or diamond jewellery this Dhanteras? A BIS hallmark only confirms gold purity — it says nothing about your diamonds or gemstones. Here's what each certificate actually covers and what to demand before paying.

Here's what happened: BIS hallmarking with a six-digit HUID confirms gold purity (e.g., 22KT = 91.6% pure) but does not cover any diamonds, gemstones, or stones set in the jewellery.. Diamond quality must be independently verified through a grading report from a recognised gem lab such as IGI or GIA, which certifies cut, colour, clarity, and carat weight.. Selling gold jewellery above 2 grams without a BIS hallmark and HUID is illegal in India — buyers can verify their HUID number instantly on the BIS Care mobile app..

What you should do: Scan the HUID stamped on your jewellery using the BIS Care app before paying — it confirms gold purity in seconds and is completely free.. Demand a lab grading report (IGI, GIA, or SGL) for any diamond or coloured gemstone in the piece — refuse to pay without one for any purchase above ₹25,000.. Compare making charges across at least two jewellers — making charges on identical hallmarked gold can vary from 8% to 25%, and this is fully negotiable especially during Dhanteras..

Pro tip: If your diamond certificate is older than 5 years, ask for a re-grading — lab standards tighten over time and your stone may now grade lower than what you paid for.

For readers weighing their credit and loan options, our personal loan guide and CIBIL score resources put this update in context.