How this planner works
Indian wedding gold spending follows recognisable regional patterns. North Indian weddings allocate the largest share to mangalsutra, bangles, and earrings, totalling 80 to 150g per bride. South Indian weddings allocate significantly more to bridal sets, kamarbandh, and temple-style heavy jewellery, totalling 200 to 500g per bride. This planner takes your region, role, and budget, then distributes weight across the standard piece types in your region's tradition.
What we include in the final price
Per-gram gold value at today's IBJA 22K rate, plus your specified making charges as a percentage of gold value, plus 3% GST on the (gold + making charges) total. The making charges field defaults to 14% which matches typical branded-jeweller pricing. Drop it to 8 to 10% for local jewellers, raise to 18 to 22% for designer pieces.
What we don't include
Hallmark certification fees (typically ₹35 to ₹45 per piece). Diamond, ruby, emerald, or other stone settings. Insurance premium. Lockbox or storage charges. These add 3 to 12% to the all-in cost for stone-set pieces.
Budget tips
Lock 50 to 60% as 22K wearable jewellery. Hold 20 to 30% as 24K gold coins or bars as investment. Reserve 10 to 20% for wedding-day accent pieces (rings, bracelets, brooches). This balance preserves both ceremonial requirement and resale value.