Gold Jewellery as an Investment in 2025: Trends and Insights

By Sri Mahaganapathi Jewellers
Our Craft For Your Precious Stories

In a world marked by economic volatility, inflation, and shifting interest rates, gold jewellery continues to stand out as a timeless and tangible asset. Especially in 2025, investors and households alike are revisiting gold not just as adornment, but as a resilient investment option.

Why Gold Jewellery Still Matters in 2025

Gold is more than just a precious metal; it’s a store of value. Unlike stocks or digital assets, gold in the form of jewellery offers both utility and security. In India, it holds emotional, cultural, and financial significance. Globally, it remains a hedge against currency depreciation and inflation.

Gold Price Increase

Gold Price in 2025: What’s Driving It?

As of Q1 2025, gold prices hover around ₹68,500 per 10 grams (24k), climbing steadily due to:

  • Rising global inflation

  • Geopolitical tensions (Russia-Ukraine conflict impacts, Middle East uncertainties)

  • De-dollarization trends (countries reducing reliance on the US dollar)

  • Central bank gold purchases, notably by China and India

According to the World Gold Council (WGC), global gold demand increased by 3% year-on-year in early 2025, with jewellery accounting for nearly 47% of that demand.

Source: World Gold Council Q1 2025 Report
Link: https://www.gold.org

Gold Ornaments

Key Benefits of Gold Jewellery as Investment

1. Tangible Asset

Gold jewellery can be touched, stored, and handed down. Unlike virtual gold or mutual funds, it has zero tech dependencies.

2. Easy Liquidity

Almost every bank, pawnshop, or jeweller offers instant buyback or loan against jewellery, making it a ready source of emergency funds.

3. No Counterparty Risk

Unlike shares or bonds, gold carries no third-party liability. You own it completely and can trade it globally.

4. Cultural & Social Value

In countries like India, gold is not just wealth—it’s tradition. Gifting gold jewellery during weddings or festivals is common and culturally significant.

Risks & Considerations in 2025

While gold jewellery is valuable, investors must stay mindful of:

Making charges (8-25%), which may not be recoverable during resale

Purity certifications – Always go for BIS Hallmarked gold

Storage & safety costs (e.g., lockers, insurance)

Risk and Rich

Gold vs Other Investment Forms in 2025


Asset TypeReturn (2024–25 Avg.)LiquidityRiskAccessibility
Gold Jewellery12–15%HighLowHigh
Real Estate6–8%LowMedLow
Mutual Funds9–11%MedMedHigh
Stocks8–10%HighHighHigh
Digital Gold11–13%HighLowHigh

In 2025, gold jewellery remains a smart, versatile, and emotionally enriching investment. While it may not deliver explosive returns like equities, its role in portfolio diversification, emergency preparedness, and wealth preservation is unmatched.

As economies fluctuate, the golden rule stays the same: Gold, especially in jewellery form, is always in style — and in demand.


If you're looking to explore gold jewellery as a form of investment, contact Sri Mahaganapathi Jewellers (SMJ) for guidance and BIS-hallmarked collections.


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