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Weight and purity to a full bill — making charges, hallmarking and GST included, line by line.
Work out what gold jewellery will actually cost you, or how many grams a budget will buy. Enter a weight and purity and the calculator adds making charges, hallmarking and 3% GST on top of the live Mumbai metal rate of ₹14,041 per gram for 22 carat, showing every line so you can compare it against a jeweller's quote. Making-charge presets are set by item type — a plain chain is not priced like bridal work — and the slider takes an exact percentage when you already have a quote in hand.
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The metal cost is the weight in grams multiplied by the per-gram rate for the purity you chose. Making charges are then applied as a percentage of that metal cost. GST at 3% is charged on the metal and the making charges together, and the flat BIS hallmarking fee is added last, outside the taxable base.
Written out: metal = grams × rate; making = metal × making%; GST = (metal + making) × 3%; total = metal + making + hallmarking + GST. Working backwards from a budget simply inverts the same expression, which is why the two modes always agree on the same purchase.
Rates for 22 carat and 18 carat are derived from the unrounded 24 carat base at 0.916 and 0.75, and every figure is rounded only when it is displayed. That is what keeps one gram multiplied by a hundred equal to the hundred-gram figure instead of drifting from it.
The metal rate is the same at every shop in a state on a given day. Making charges are not — they are the jeweller's labour and design cost, and they are the single largest reason two bills for the same piece differ. Plain machine-made chains typically carry 8% to 12%; intricate handmade, temple and bridal work runs 20% to 25% or higher; coins and bars carry almost none.
The presets on this calculator are set per city where local data justifies it, because regional norms differ genuinely: making charges in Kerala and Tamil Nadu run visibly lower than in Delhi and Rajasthan for comparable work. Use the preset closest to your item as a sanity check, then drag the slider to the exact figure a jeweller has quoted you.
Watch for wastage charged separately on top of making. Modern manufacturing loses very little metal, so treat any wastage percentage as negotiable and ask for it as its own line rather than folded into the making percentage.
GST on gold jewellery is 3%, charged on the value of the metal and the making charges combined. If you supply your own gold and pay only for the labour, the job work is taxed at 5% instead. Switching GST off here shows the pre-tax figure, which is useful when comparing against a quote that has not yet added it.
BIS hallmarking is a flat fee per article rather than a percentage, so it barely registers on a heavy piece and is noticeable on a very light one. Hallmarking itself is mandatory for gold jewellery sold in India: check the piece for the BIS logo, the purity grade and the six-digit HUID before paying.
Ask the jeweller for three figures — the rate per gram for your purity, the making charge percentage, and the net weight of gold excluding stones — then enter them here. If the total the shop quotes is meaningfully above what this calculator returns, the difference is in a charge that has not been itemised for you.
On stone-set pieces, confirm that the weight you were given is the gold weight and not the gross weight. Paying the gold rate on the weight of the stones is a common and expensive mistake.
This is an estimate. Counter rates move during the day, jewellers round differently, and some quote making as a flat rupee amount per gram rather than a percentage. Use the number as a benchmark to question a quote, not as a price you are owed.
Multiply the weight in grams by the per-gram rate for your purity to get the metal cost. Add making charges as a percentage of that metal cost, then 3% GST on the metal and making together, then the flat BIS hallmarking fee. Written out: total = metal + making + hallmarking + GST, where GST = (metal + making) × 3%. For 10 grams of 22K in Mumbai at 12% making, that is about ₹1,62,026.
Making charges are the jeweller's labour and design cost, quoted as a percentage of the metal value. Plain machine-made chains commonly carry 8% to 12%, bangles 13% to 17%, and intricate bridal or temple work 20% to 25% or more. Coins and bars carry almost none. They are the largest negotiable component of a gold bill and the main reason two shops quote different totals for the same piece.
The presets on this page for Mumbai are chain 8%, ring 12%, bangle 15%, bridal 22%, coin 0%. These are typical local figures rather than fixed rates — making charges are set by each jeweller, so use the slider to enter the exact percentage you have been quoted.
Yes. GST of 3% applies to the value of the metal and the making charges combined, not to the metal alone. If you supply your own gold and pay only for the labour, the job work is taxed at 5% instead.
Switch to the "What can I buy" mode and enter your budget. The calculator works backwards through the same formula — removing the hallmarking fee, then dividing by the per-gram rate loaded with making charges and GST — to show how many grams that budget covers at the purity you selected.
Because every Indian gold rate is published per gram, and converting to tola or pavan inside a price calculator adds a second place for the arithmetic to go wrong without answering a pricing question. If you have a weight in tola or pavan, convert it to grams first — a tola is 11.664 g and a pavan is 8 g.
Yes. It reads the same published rate the gold rate pages show for the selected city, refreshed each trading day, and derives 22K and 18K from the unrounded 24K base at 0.916 and 0.75. Change the city at the top of the calculator to price against a different local rate.