Gold Price & Jewellery Bill Calculator
Calculate accurate showroom gold & silver jewellery purchase bills by Vori, Ana, Rati, Point or Grams, or determine gold weight reachable within your budget.
Direct Answer (Jewellery Bill Formula & Rules):
The official formula for showroom gold jewellery billing in Bangladesh is: Total Bill = (Net Gold Weight × Karat Benchmark Rate) + Artisan Making Charges + 5% Statutory NBR VAT. Under official Bangladesh Jewellers Association (BAJUS) regulations, the minimum craftsmanship charge is ৳3,499 per vori, and 5% government VAT applies to the combined sum of gold and making charges. This dual-mode terminal accurately calculates showroom quotations by Vori, Ana, Rati, Point, or Grams, and features an inverse Budget Mode to determine achievable gold weight within a specific financial allocation.
Purity, Showroom & Resale Price Matrix
1 Vori Rate| Karat | Hallmark | Showroom Buy | Resale (-18%) | Exchange (-12%) |
|---|---|---|---|---|
| 24K(99.9%) | 999 / 999.9 | ৳2,47,570 | ৳2,03,007 | ৳2,17,862 |
| 22K(91.6%) | 916 | ৳2,26,923 | ৳1,86,077 | ৳1,99,692 |
| 21K(87.5%) | 875 | ৳2,16,717 | ৳1,77,708 | ৳1,90,711 |
| 18K(75%) | 750 | ৳1,86,099 | ৳1,52,601 | ৳1,63,767 |
| Trad(60%) | Heritage Alloy | ৳1,52,040 | ৳1,24,673 | ৳1,33,795 |
The Official Showroom Gold Billing Formula in Bangladesh
When buying gold ornaments from any authorized jewelry showroom across Bangladesh, your final invoice consists of three distinct financial components mandated by BAJUS and National Board of Revenue (NBR) trade guidelines:
Determined by multiplying the net pure gold weight by the day's official BAJUS rate for that specific karat. Stone and enamel weights must always be subtracted before calculation.
Craftsmanship fee for shaping raw bullion into wearable ornaments. BAJUS mandates a statutory minimum baseline of ৳3,499 per vori across all affiliated retail stores.
Under national fiscal regulations, a mandatory 5% value-added tax is calculated on the subtotal (raw gold value plus making charges) and recorded on the official cash memo.
Gross Weight vs Net Gold Weight: Protecting Your Purchase
A critical consumer protection rule enforced by BAJUS is the strict distinction between gross weight and net gold weight:
If an ornament features gemstones, cubic zirconia, natural pearls, or kundan paste, the jeweler must determine the exact weight of these non-gold elements on a precision electronic scale and deduct it completely from the gross weight. Gold price per vori or gram may only be billed against the remaining net gold weight.
Precious gemstones such as diamonds, rubies, or emeralds must be billed on an independent line item with their specific carat weight and grading certificate specified clearly on the receipt.
BAJUS Artisan Making Charge Guidelines by Ornament Category
While BAJUS mandates a minimum floor of ৳3,499 per vori, actual making charges vary based on manual intricacy, fabrication technology, and styling heritage:
| Jewellery Category | Typical Craftsmanship Charge | Fabrication Process | Resale Impact |
|---|---|---|---|
| Plain Machine Chains & Rings | ৳3,499 to ৳4,500 / vori | Automated laser casting and light die-stamping | Lowest making loss upon resale |
| Standard Bridal Bangles & Chains | ৳4,500 to ৳6,500 / vori | Semi-handcrafted with diamond-cut surface faceting | Moderate craftsmanship cost |
| Intricate Filigree & Floral Sets | ৳6,500 to ৳9,000 / vori | Master wire filigree and traditional hand-carved detailing | Higher artistic premium |
| Antique & Kundan Bridal Sets | ৳9,000 to ৳15,000+ / vori | Multi-stage jadau, antique electro-plating, and miniature stone setting | Highest fabrication cost (lost in cash resale) |
Traditional Bullion Weight Units in Bangladesh
Bangladesh's jewellery trade relies on traditional Subcontinental metrology alongside international metric grams. Understanding these relationships prevents misunderstandings at the jeweler counter:
11.664 Grams
Equal to 16 Ana, 96 Rati, or 960 Points. Standard benchmark unit for all retail price circulars.
0.729 Grams
Equal to 6 Rati or 60 Points. 1/16th of a Vori. Commonly used for ear studs and light rings.
0.1215 Grams
Equal to 10 Points. 1/96th of a Vori. Historic seed measurement unit for delicate jewelry balance.
0.01215 Grams
Equal to 12.15 milligrams. 1/960th of a Vori. Smallest fractional unit displayed on local jeweller scales.
Worked Real-World Examples
Assume prevailing 22K rate is ৳140,000/vori and making charge is ৳5,000/vori:
- • Total Weight: 1.50 Vori (1 Vori + 8 Ana)
- • Raw Gold Cost: 1.50 × ৳140,000 = ৳210,000
- • Making Charges: 1.50 × ৳5,000 = ৳7,500
- • Subtotal before VAT: ৳217,500
- • 5% Statutory NBR VAT: ৳10,875
- • Final Showroom Payable: ৳228,375 BDT
Assume 22K rate is ৳140,000/vori with statutory ৳3,499 making charge and 5% VAT:
- • Total Budget: ৳150,000 BDT
- • Pre-VAT Allocation: ৳150,000 ÷ 1.05 = ৳142,857
- • Effective Cost / Vori: ৳140,000 + ৳3,499 = ৳143,499
- • Achievable Gold Weight: 0.9955 Vori
- • Traditional Breakdown: 15 Ana 5 Rati 6 Points
- • Metric Gram Equivalent: 11.612 Grams
BAJUS Resale and Exchange Policy for Used Jewellery
Selling old jewelry back for liquid cash or trading it for a fresh design is governed by official BAJUS trade policies:
When liquidating hallmarked gold ornaments for cash, jewelers deduct 18% from the prevailing market benchmark of that purity grade on the transaction day. Making charges and VAT originally paid are non-refundable. The original purchase memo should be provided.
Exchanging old gold ornaments for new jewelry within an authorized showroom incurs a lower deduction of 12%. This saves 6% compared to cash liquidation, making exchange the most cost-effective path when remodeling family jewelry.
How to Navigate the Gold Calculator Engine
- Select your mode: Choose between "Weight to Price" to price a specific ornament, or "Budget to Weight" to discover how much gold your funds can purchase.
- Choose metal and purity: Pick Gold or Silver, then select 24K, 22K, 21K, 18K, or Traditional Sanatan purity from the dropdown menu.
- Input weight units: For traditional weight, enter Vori and choose Ana, Rati, or Points from the helper selectors. Alternatively, toggle to Grams for direct digital scale inputs.
- Customize making charges: Enter custom craftsmanship fees or leave blank to automatically apply the official BAJUS baseline of ৳3,499 per vori.
- Review detailed quotation: The terminal generates an itemized invoice detailing raw metal cost, craftsmanship charges, 5% NBR VAT, and the final grand total. Use the copy or print button for showroom verification.
Compiled and verified under the official circulars of the Bangladesh Jewellers Association (BAJUS), National Board of Revenue (NBR) Value Added Tax Act, and BSTI Hallmarking Metrology standards. Supervised and reviewed by Bullion Research Analyst Mehedi Hasan.
মেহেদী হাসান
• বুলিয়ন মার্কেট গবেষক ও সিনিয়র অ্যানালিস্টMehedi Hasan is a senior bullion market researcher and financial editor with over 8 years of experience covering precious metals, BAJUS regulatory policies, and international COMEX/LBMA dynamics.
Frequently Asked Questions
Showroom gold quotations in Bangladesh consist of three distinct components: (1) Benchmark gold value based on net weight multiplied by the daily karat rate, (2) Artisan craftsmanship charges (minimum ৳3,499 per vori under BAJUS guidelines), and (3) Statutory 5% NBR VAT calculated on the combined sum of gold value and making charges.
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