Question 1

Czy złoto inwestycyjne w Polsce jest zwolnione z podatku VAT?

Accepted Answer

Tak. Zgodnie z dyrektywą unijną oraz polską ustawą o podatku od towarów i usług (VAT), dostawa, wewnątrzwspólnotowe nabycie i import złota inwestycyjnego (np. sztabek o próbie 995 i monet inwestycyjnych) są zwolnione z VAT.

Question 2

Czy płacę podatek dochodowy (Belki) przy sprzedaży złota?

Accepted Answer

Sprzedaż fizycznego złota przez osobę fizyczną jest zwolniona z podatku dochodowego (PIT), pod warunkiem, że odbywa się po upływie 6 miesięcy od końca miesiąca, w którym nastąpił zakup, i nie jest to działalność gospodarcza.

Question 3

Do jakiej kwoty mogę anonimowo kupić złoto za gotówkę?

Accepted Answer

W Polsce ustawa o przeciwdziałaniu praniu pieniędzy (AML) wymaga, aby transakcje gotówkowe przekraczające równowartość 10 000 euro (lub powiązane transakcje) były rejestrowane, a tożsamość klienta weryfikowana.

Question 4

Jakie są najpopularniejsze złote monety w Polsce?

Accepted Answer

Najpopularniejsze to Krugerrand, Wiedeńscy Filharmonicy oraz Kanadyjski Liść Klonowy. Narodowy Bank Polski emituje również popularną monetę inwestycyjną – Orzeł Bielik (Złoty Bielik).

Question 5

Ile waży jedna uncja trojańska (oz)?

Accepted Answer

Uncja trojańska (oz), międzynarodowa jednostka wagi złota, waży dokładnie 31,1034768 gramów.

Question 6

Co oznacza cech probierczy i próba 585?

Accepted Answer

Cech probierczy to urzędowe oznaczenie gwarantujące zawartość kruszcu. Próba 585 (14 karatów) oznacza, że w stopie znajduje się 58,5% czystego złota. Jest to najpopularniejsza próba dla biżuterii w Polsce. Próba 750 to 18 karatów.

Question 7

Dlaczego cena złota w Polsce zmienia się w złotówkach (PLN)?

Accepted Answer

Cena zależy od dwóch głównych czynników: światowej ceny złota wyrażonej w dolarach amerykańskich (USD/oz) oraz aktualnego kursu wymiany walut (USD/PLN).

Question 8

Sztabka złota czy złota moneta – co wybrać na start?

Accepted Answer

Złote monety o wadze 1 uncji są niezwykle płynne i łatwe do sprzedaży na całym świecie. Sztabki złota, szczególnie te większe, mają niższą marżę (koszty bicia i produkcji) w przeliczeniu na gram złota.

Question 9

How is the live silver price on this page calculated?

Accepted Answer

Silver is priced in USD per troy ounce on global commodity exchanges (primarily COMEX). We fetch the live spot price, convert it to INR using the real-time USD/INR rate, then divide by 31.1035 (grams per troy ounce) to give you the per-gram price. Import duty on silver in India is currently 10% plus applicable GST at 3% for silver jewellery or 18% for silver bars/coins. All conversions refresh automatically.

Question 10

What is the current silver price per gram in India today?

Accepted Answer

Silver prices change continuously during market hours. The live rate is displayed above in this tool — refreshed in real time. As a general reference, silver in India typically trades between ₹80–₹120 per gram depending on global spot prices and the INR/USD rate. For bulk purchases (1 kg or more), your jeweller's rate may differ slightly from the MCX reference due to dealer margins and local association pricing.

Question 11

Is silver a good investment compared to gold?

Accepted Answer

Silver is significantly cheaper than gold per gram, making it accessible to smaller investors. However, silver is more volatile — its price swings are sharper both up and down. The gold-to-silver ratio (how many ounces of silver = 1 ounce of gold) has historically ranged from 40:1 to 90:1, and many commodity analysts buy silver when this ratio is high. Silver also has industrial demand (electronics, solar panels, medical devices) that adds a second demand driver beyond just investment. For long-term wealth preservation, gold is traditionally preferred. Silver suits investors who want leverage on precious metal upside.

Question 12

What is 925 sterling silver and how does it differ from pure silver?

Accepted Answer

925 sterling silver contains 92.5% pure silver and 7.5% copper or other alloys. The copper is added for hardness — pure silver (999) is too soft for most jewellery. In India, 925 hallmarked silver articles are stamped with the BIS mark, similar to gold hallmarking. Fine silver (999) is used for investment coins and bars. When buying silver jewellery, check for the 925 stamp and BIS certification to ensure you are getting the stated purity.

Question 13

What is the GST rate on silver in India?

Accepted Answer

GST rates on silver in India depend on the form: silver jewellery and articles attract 3% GST (same as gold jewellery); silver bars, coins, and granules (used for investment or industrial purposes) attract 3% GST; silver imported in unwrought form attracts customs duty plus applicable CESS. Unlike some other commodities, silver GST treatment is fairly uniform for retail buyers. Always check your invoice for the correct HSN code (7106 for silver) and 3% GST rate.

Question 14

What weight units are used for silver pricing in India?

Accepted Answer

Silver in India is typically priced per kilogram (kg) in wholesale markets and per gram for retail jewellery. Unlike gold where the tola (11.66g) and sovereign (8g) are common, silver wholesale is almost always quoted per kg. For example, a ₹90,000/kg silver rate translates to ₹90/gram. Our tool displays silver per gram and per troy ounce (31.1035g) for easy comparison with international quotes.

Question 15

How do I spot fake or low-purity silver jewellery?

Accepted Answer

The most reliable check is to look for BIS hallmarking — a 925 stamp with the BIS logo and HUID on the piece. Without a hallmark, you can use the ice test (pure silver conducts heat rapidly — ice melts quickly when placed on real silver) or an acid test kit available at assaying centres. The magnet test rules out steel fakes but cannot confirm silver purity. For high-value purchases, always insist on a BIS-hallmarked piece and verify the HUID on the BIS Care app.

Question 16

How is the live platinum price on this page calculated?

Accepted Answer

Platinum is traded on the NYMEX exchange in USD per troy ounce. We fetch the live spot price, convert to INR via the real-time USD/INR forex rate, and display per gram and per troy ounce values. Platinum's import duty in India is 10.75% plus applicable cess. Retail platinum jewellery also attracts 3% GST. All values on this page are refreshed live.

Question 17

Why is platinum sometimes cheaper than gold?

Accepted Answer

Platinum is rarer than gold in the Earth's crust, but its price is determined primarily by industrial demand — about 40% of platinum goes into automotive catalytic converters. When global car production slows (as during the 2020 pandemic or the shift to electric vehicles), platinum demand drops and its price can fall below gold. In contrast, gold is driven largely by investment and jewellery demand, which are more resilient. Historically, platinum traded at a significant premium to gold; the reversal since 2011 is a structural shift tied to diesel engine catalytic converter volumes.

Question 18

Is platinum a good investment in 2025–2026?

Accepted Answer

Platinum's investment case in 2025–2026 rests on two factors: the green hydrogen economy (platinum is used in hydrogen fuel cell catalysts) and tight mine supply concentrated in South Africa and Russia. If fuel cell vehicle adoption accelerates, platinum demand from this sector could offset the decline in traditional diesel catalytic converter use. However, platinum is thinly traded compared to gold and silver, making it more volatile and less liquid for retail investors. Most financial advisors recommend limiting precious metal exposure to gold for stability, with platinum as a speculative addition for experienced investors.

Question 19

What does "950 platinum" or "PT950" mean on jewellery?

Accepted Answer

PT950 (or 950 platinum) means the piece contains 95% pure platinum, with the remaining 5% being iridium, ruthenium, or cobalt for hardness. This is the most common purity for fine platinum jewellery. You may also see PT900 (90% pure) and PT850 (85% pure). In India, BIS hallmarking for platinum uses a PT stamp followed by the purity number. PT950 is the equivalent of 22K gold in terms of being the retail quality standard — high purity without being too soft to wear.

Question 20

Is platinum jewellery better than white gold?

Accepted Answer

Platinum and white gold look similar but have important differences. Platinum (PT950) is naturally white and does not need rhodium plating — its colour is permanent. White gold is yellow gold alloyed with nickel or palladium, then rhodium-plated to appear white; the plating wears off every 1–3 years and needs to be redone. Platinum is heavier (denser) and more durable for prong settings holding diamonds. However, platinum is significantly more expensive per gram. White gold offers a similar look at a lower price point. For engagement rings or diamond settings meant to last decades, platinum is the premium practical choice.

Question 21

What is the GST rate on platinum jewellery in India?

Accepted Answer

Platinum jewellery in India attracts 3% GST — the same as gold and silver jewellery. Platinum articles such as bullion, bars, or coins (investment-grade) attract 3% GST under HSN code 7110. Making charges on platinum jewellery are typically higher than gold because platinum is harder and requires specialised crafting techniques — expect ₹600–₹2,000 per gram for making charges on platinum jewellery.

Question 22

Where can I sell platinum in India and how is it valued?

Accepted Answer

Platinum resale in India is significantly more challenging than gold. Very few retail jewellers buy back platinum, and those that do often offer 15–30% below the spot price. Dedicated bullion dealers and a few NBFC jewellers (like Malabar Gold and Tanishq) offer buyback, but liquidity is limited. Platinum coins and bars from recognised mints fare better than jewellery on resale. Unlike gold, there is no active platinum futures contract on MCX for Indian retail investors. If resale liquidity is important to you, gold remains the far superior precious metal investment in the Indian market.

Weight Denomination	Market Spot Price (₹)	Est. Refiner Buyback (₹)
1 Gram	₹4,891	₹4,646
10 Grams	₹48,910	₹46,465
11.66 Grams (Tola)	₹57,029	₹54,178
100 Grams	₹4,89,100	₹4,64,645

Weight Denomination	Market Spot Price (₹)	Est. Refiner Buyback (₹)
1 Gram	₹4,891	₹4,646
10 Grams	₹48,910	₹46,465
11.66 Grams (Tola)	₹57,029	₹54,178
100 Grams	₹4,89,100	₹4,64,645

Szybki Kalkulator Biżuterii

Showroom Bill Check

Często Zadawane Pytania — Złoto, Srebro i Platyna

Czy złoto inwestycyjne w Polsce jest zwolnione z podatku VAT?

Czy płacę podatek dochodowy (Belki) przy sprzedaży złota?

Do jakiej kwoty mogę anonimowo kupić złoto za gotówkę?

Jakie są najpopularniejsze złote monety w Polsce?

Ile waży jedna uncja trojańska (oz)?

Co oznacza cech probierczy i próba 585?

Dlaczego cena złota w Polsce zmienia się w złotówkach (PLN)?

Sztabka złota czy złota moneta – co wybrać na start?

How is the live silver price on this page calculated?

What is the current silver price per gram in India today?

Is silver a good investment compared to gold?

What is 925 sterling silver and how does it differ from pure silver?

What is the GST rate on silver in India?

What weight units are used for silver pricing in India?

How do I spot fake or low-purity silver jewellery?

How is the live platinum price on this page calculated?

Why is platinum sometimes cheaper than gold?

Is platinum a good investment in 2025–2026?

What does "950 platinum" or "PT950" mean on jewellery?

Is platinum jewellery better than white gold?

What is the GST rate on platinum jewellery in India?

Where can I sell platinum in India and how is it valued?

Regional Weight Conversions

Local Market Terminology

Gold Investment Optimizer

22K Jewelry

24K Coin/Bar

Digital Gold

SGBs (Bonds)

Platinum Rate in Top Indian Cities

Szybki Kalkulator Biżuterii

Showroom Bill Check

Często Zadawane Pytania — Złoto, Srebro i Platyna

Czy złoto inwestycyjne w Polsce jest zwolnione z podatku VAT?

Czy płacę podatek dochodowy (Belki) przy sprzedaży złota?

Do jakiej kwoty mogę anonimowo kupić złoto za gotówkę?

Jakie są najpopularniejsze złote monety w Polsce?

Ile waży jedna uncja trojańska (oz)?

Co oznacza cech probierczy i próba 585?

Dlaczego cena złota w Polsce zmienia się w złotówkach (PLN)?

Sztabka złota czy złota moneta – co wybrać na start?

How is the live silver price on this page calculated?

What is the current silver price per gram in India today?

Is silver a good investment compared to gold?

What is 925 sterling silver and how does it differ from pure silver?

What is the GST rate on silver in India?

What weight units are used for silver pricing in India?

How do I spot fake or low-purity silver jewellery?

How is the live platinum price on this page calculated?

Why is platinum sometimes cheaper than gold?

Is platinum a good investment in 2025–2026?

What does "950 platinum" or "PT950" mean on jewellery?

Is platinum jewellery better than white gold?

What is the GST rate on platinum jewellery in India?

Where can I sell platinum in India and how is it valued?

Regional Weight Conversions

Local Market Terminology