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Gold has always held a deeply personal and financial significance in Indian households. It is a symbol of purity and prosperity, an emotional asset gifted during weddings and festivals, and a safety net that families rely on in crisis. However, in the last year, gold has also become one of the most expensive commodities for Indians. With 24-carat prices crossing Rs 1,25,000 per 10 grams, and 22-carat rates hovering around Rs 94,000, purchasing jewellery now demands a much heavier financial commitment than before.

In this environment, buyers are searching for easier, structured ways to manage large jewellery expenses. As a result, jewellers across India — from large national chains to local shops — are aggressively marketing monthly gold instalment schemes, promisi

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