Akshaya Tritiya 2026: The festival of Akshaya Tritiya will be celebrated in India on Sunday 19th April. Buying gold and silver jewelery or things on this special occasion is considered auspicious. It is believed that any investment we make on this day is renewable, that is, never ending. In such a situation, every year people buy gold, silver or diamonds in large quantities. This time too, if you are thinking of investing in gold or silver, then let us tell you which one will be beneficial to invest in.

How to invest in gold?
First of all let’s talk about gold, it has been considered a traditional and safe investment for centuries. There is a continuous increase in the prices of gold with time. Gold remains strong even in times of economic conditions or inflation. This is the reason why most experts consider gold a better option in terms of investment. Apart from this, gold can be sold easily and its liquidity is also high.

How to invest in diamonds?
If you are thinking of investing in diamond this time on the occasion of Akshaya Tritiya, then know that it is fashion jewellery. This will add you to luxury but is not a very special option in terms of investment. The price of diamond is not as transparent as that of gold and a large part of it includes making charges and brand value. The most important thing is that when a diamond is sold, its price is often low, that is, the resale value is weak. In such a situation, investing in diamonds is not a good option.

Investing in silver is also an option
Investing in silver can also be a good option. Silver prices also change every day. Its rates are also continuously increasing, so if you are thinking of investing at a low price, then silver is also a good option.

Buy gold or diamond?
If you are buying jewelery as a wearable and give priority to style or design, then diamond can be a good option. But if your objective is investment and want to get good returns in future, then it would be better for you to invest in gold only. Because you will get the return of gold on the basis of today’s price, which is very good for the future. You have to decide wisely what you should buy.

Loan from Silver-Gold Jewellery: Financial emergency is something that can happen at any time. In such a situation, not everyone is ready for this. After which the first and last option left for the people is to mortgage or sell the gold or silver they have. No one wants to do this, but if any problem arises and you have to do this, then you must know some important things before doing so, so that you do not have to face problems in the future or while taking a loan.

How much money will you get by pledging silver?

If you want to pledge your silver in case of any problem, then it is important for you to know that you will not get 100% loan on pledging the silver. For example, if you have pledged silver worth Rs 50 thousand, then you will not get a loan of Rs 50 thousand, but the loan amount can be 75 to 85 percent of the value. This is because the bank or the loan giver has to keep the loan amount with itself as security.

take care of these things

• Silver jewelery and coins can be easily mortgaged. Because it is easy to measure their purity and along with this their price is also good.
• Many times the bank does not accept silver utensils and decorative items. Their value is estimated to be very low, so be careful if you are thinking of mortgaging them.
• Before pledging silver, also keep in mind that if any workmanship has been done in your jewellery, utensils or any item, then it will not have any value. The bank has nothing to do with the design or making charges, they are only concerned with the purity of the silver.

quality vs quantity

If you are thinking that by pledging more quantity of silver you will get more loan, then it is not so at all. Actually, banks focus more on the quality of silver than the quantity. Apart from this, the price of silver is per gram, so to take a large amount you will have to pledge a large amount of silver. Apart from this, every bank also has its own criteria, how much silver they will accept from a person depends on them only.

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