Gold has always been the go-to safe haven for Indian investors. But not all gold is the same. While 22K and 24K gold dominate the investment market, many buyers today wonder: “Is 18K gold a good investment in India?”
Let’s break it down simply.
What is 18K Gold?
- 18K gold contains 75% pure gold and 25% alloy metals (like copper, silver, nickel).
- It is more durable than 22K gold because of the alloy mix, which makes it a popular choice for diamond and gemstone jewellery.
Advantages of 18K Gold
- Durability – Stronger than 22K/24K, making it better for everyday wear.
- Affordable – Cheaper than 22K and 24K, so you can buy more design for less money.
- Good for Diamond Jewellery – Most jewellers set diamonds in 18K gold as it holds the stones better.
- Fashion Appeal – More variety in designs, colours (yellow, white, rose gold).
Disadvantages of 18K Gold for Investment
- Lower Resale Value – Buyers prefer 22K or 24K for investment. 18K fetches less in resale.
- Less Liquidity – 22K jewellery is easier to sell anywhere in India; 18K may be restricted to certain jewellers.
- Not the Standard Investment Gold – In India, people see 22K jewellery and 24K coins/bars as “true” investment gold.
Resale Value of 18K Gold in India
- The resale value depends on gold rate × purity (75%) – making charges – GST.
- In practice, 18K jewellery has higher making charges (designer/stone pieces), so you lose more money when selling.
👉 If your goal is pure investment, 22K or 24K gold is better.
👉 If your goal is wearable jewellery with investment backup, 18K can still make sense.
18K vs 22K vs 24K: Which is Best for Investment?
| Type | Purity | Best For | Resale Value | Durability | Investment Grade |
|---|---|---|---|---|---|
| 24K | 99.9% | Coins, bars | Highest | Soft, not for daily wear | ✅ Best |
| 22K | 91.6% | Jewellery + savings | High | Good for daily jewellery | ✅ Very Good |
| 18K | 75% | Diamond/gemstone jewellery | Moderate | Stronger, fashionable | ❌ Not Ideal |
Pro Tips Before Investing in Gold
- Always check the BIS Hallmark for purity (see how to check hallmark in gold at home).
- Store your jewellery properly to avoid tarnish (storing silver jewellery tips).
- For long-term investment, prefer 24K coins/bars or 22K jewellery. Use 18K mainly for fashion or gemstone settings.
- Clean your jewellery periodically to maintain shine (how to clean gold jewellery safely).
FAQ – 18K Gold Investment in India
Q1. Is 18K gold real gold?
Yes. It is 75% pure gold mixed with alloys for durability.
Q2. Does 18K gold tarnish?
Rarely, but it is less prone than 22K due to stronger alloys.
Q3. Can I resell 18K gold easily in India?
It depends. Some jewellers may offer lower resale or only accept 22K. Always check with your jeweller.
Q4. Is 18K gold cheaper than 22K?
Yes, 18K gold is less expensive, but resale will also be lower compared to 22K.
Q5. Should I buy 18K gold for investment?
Not as a primary investment. Choose 22K or 24K. Buy 18K mainly for diamond jewellery or fashionable designs.
