Gold has long been the financial lifeline of Indian households — a trusted reserve for emergencies and a symbol of security passed across generations. But when an unexpected financial crisis strikes, the dilemma often arises: should you pledge your gold for a loan or sell it outright? Each path carries emotional, financial, and practical implications, making it vital to weigh the pros and cons before deciding. Advertisement

Gold and silver remain deeply valued in India, yet owning and transacting in physical metals involves hidden challenges. Buyers pay retail premiums, including GST, jeweller margins, and making charges, but receive wholesale prices when selling — leading to an instant value loss. Over time, these costs can erode 10–15% of returns. Add to that locker rentals, purity dou

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