Gold Jewellery Bill Check
Is the extra on your jewellery bill in line? Four numbers from the bill.
Type four numbers from your bill. The check works out what the gold alone costs with 3% GST, then shows how much of your bill is on top of that: making charges, VA (wastage), stones and other charges.
The net weight on the bill: gold only, without stones.
Stamped on the hallmark: 22K916 means 22K, 18K750 means 18K.
The final amount on the bill, including GST.
Works in your browser · No sign-up · Nothing you type is sent anywhere
Reviewed 28 Sept 2026 · by GoldC Team · How we calculate thisUses Indian rules and rupees.
Where to find the four numbers on a gold jewellery bill
Bill layouts differ from shop to shop, but most show the same lines. This sample bill for a 22K chain marks the four numbers the check asks for.
| Item and hallmark | Chain, BIS 22K916, HUID AB12CD (number 2 in the check) |
|---|---|
| Gross weight | 10.450 g |
| Stone weight | 0.450 g |
| Net weight | 10.000 g (number 1 in the check) |
| Gold rate (22K, per gram) | ₹13,750.00 (number 4 in the check) |
| Gold value | ₹1,37,500.00 |
| VA (value addition) 8% | ₹11,000.00 |
| Making charges (₹450/g) | ₹4,500.00 |
| Stone charges | ₹1,500.00 |
| GST 3% | ₹4,635.00 |
| Net amount (rounded) | ₹1,59,135.00 (number 3 in the check) |
Entered in the check (net weight 10 g, 22K, bill ₹1,59,135.00, rate 22K ₹13,750.00 per gram), this bill shows an extra of ₹17,510.00, which is 12.73% of the gold value: the VA, the making charges, the stones and the GST on them.
What this calculator does
- Works from four numbers on the bill: net weight, purity, bill total and the gold rate
- Takes the gold rate as the bill or rate board shows it: 24K, 22K or 18K, per gram or per 10 grams
- Shows the gold value, the 3% GST on it, and the extra paid for VA (wastage), making charges, stones and other charges
- Gives the extra in rupees and as a percentage of the gold value, against this tool's own 8% to 15% reference range (not a legal limit)
- A sample bill with the four numbers marked, worked through with the same calculation
- Remembers your gold rate in this browser for next time; what you type is not sent to or stored on a server
- Share the result on WhatsApp, Telegram or your phone's share menu
How the gold bill check works
A jewellery bill is the gold value plus everything added on top: VA or wastage, making charges, stones and GST. The check rebuilds the gold value from your net weight, purity and gold rate, adds 3% GST, and treats the rest of the bill total as the extra.
- Gold value = net weight × gold rate per gram, adjusted to the purity of the piece
- Gold value with GST = gold value × 1.03
- Extra paid = bill total − gold value with GST
- Extra % = extra paid ÷ gold value × 100
Example: 10 g of 22K at a 22K rate of ₹13,750 per gram. Gold value = 10 × ₹13,750 = ₹1,37,500. With 3% GST that is ₹1,41,625. On a bill of ₹1,55,000 the extra is ₹13,375, which is 9.73% of the gold value.
A rate for a different karat from the piece (for example a 24K rate on a 22K bill) is scaled by karat ÷ 24. The result says whether the extra is below, within or above this tool's own reference range of 8% to 15% of the gold value. That range is not a legal limit or a market survey; jewellers price designs differently, so it does not say a bill is good or bad.
What is VA in a gold bill?
VA means value addition. It is how many jewellers bill wastage: the gold lost or used up while making the piece, charged as a percentage of the gold value. Some bills show VA and making charges as separate lines; others fold the making charge into VA, or show only one of the two. Either way, VA is part of the extra this check measures, not part of the gold value.
What to look for on a gold jewellery bill
- Hallmark and HUID: BIS hallmarked jewellery carries the BIS mark, the purity such as 22K916 and a six-character HUID; the HUID can be looked up in the BIS Care app.
- Gross, stone and net weight: the gold value is worked out on the net weight, after stones are taken out.
- Gold rate: the karat and unit of the rate (per gram or per 10 g), and the date.
- VA or wastage, and making charges: each as a percentage, an amount per gram or a flat amount.
- Stones and other charges: listed separately from the gold.
- GST: the rate and the amount it applies to.
Quick answers
My bill shows a 22K rate per gram. Which rate goes in the box?
That one. Choose 22K and "1 gram", then type the rate as printed. The rate box is pre-filled only to save typing; the updated rate from your bill or the jeweller's rate board goes in its place, and this browser remembers it for next time.
Net weight or gross weight?
Net weight. Gross weight includes stones, which are charged separately, so using it would count the stones as gold.
My bill total is below the gold value the tool shows. What does that mean?
Usually a wrong rate, karat or weight was entered, or the rate was for a different karat than the one chosen. Compare each number with the bill and try again.
Does this check whether the hallmark or purity is genuine?
No. It only compares your bill's numbers against each other. Purity is tested at a hallmarking centre or by an assay, not by arithmetic.
Is 8-15% extra normal?
It is this tool's own reference range for VA, making charges and the GST on them, not a legal limit. Designs, region and jeweller all vary the real figure.
What if the extra is above the range?
An itemised bill shows VA, making charges, stones and GST as separate lines, and a quote from another jeweller gives a comparison. The check flags a number worth asking about, not a verdict.
Reviewed 28 September 2026. Hallmark details: BIS Hallmarking FAQ. An estimate for reference, not advice.