Kya Shadi Ke Liye Gold Lena Financially Sahi Decision Hai?

Shaadi ke season mein ek sawal har Indian ghar mein baar-baar poocha jata hai — “Gold kitna lena hai?”
Gold lena ek tradition hai, par financial logic se dekha jaye toh kya yeh sahi decision hai?

• Is article mein hum jaanenge:
• Kya shadi ke liye gold lena sahi investment hai?
• Emotional aur practical aspects kya hai?
• Gold ke pros-cons
• Aur kuch better financial alternatives.

1. Kyu Har Shaadi Mein Gold Zaroori Mana Jata Hai?

• Gold India mein sirf ek metal nahi hai — yeh ek emotion hai. Shadi ke time gold:
• Status symbol ke roop mein use hota hai.
• Gifts ke form mein diya jata hai.
• Aur log isse emergency ke backup ke roop mein bhi dekhte hain.
• Yeh sab sahi hai, par sawal yeh uthta hai: Kya yeh paisa lagane layak hai ya nahi?

2. Financial Angle Se Dekha Jaye To Gold…

Pros:

Liquidity: Zarurat padne par bechna aasaan hai.

Tradition ke saath investment: Aap gold jewelry use bhi karte ho aur asset bhi hota hai.

Safe Haven: Market crash mein gold ka price upar ja sakta hai.

Cons:

Making Charges: 20-30% tak making charges hote hain, jo resale mein nahi milte.

Storage Risk: Ghar mein rakhne se chori ka risk.

Emotional Attachment: Jewelry ko bechna mushkil lagta hai, chahe zarurat ho.

3. Shadi Mein Gold Lena – Investment Ya Expense?

Agar aap gold jewelry le rahe ho sirf show-off ke liye ya tradition nibhaane ke liye, to yeh expense hai.

Agar aap:

• Hallmark certified gold le rahe ho,
• Investment ke view se le rahe ho,
• Sahi quantity aur quality ke sath le rahe ho, to yeh partial investment ban sakta hai — lekin pura nahi.

Important Note: Jewelry kabhi bhi pure investment nahi hoti kyunki usme design aur making ka paisa bhi lagta hai jo kabhi wapas nahi milta.

4. Alternatives to Buying Gold Jewelry for Wedding

✅ Gold ETF (Exchange Traded Funds):

Market ke through buy-sell

Physical gold ka tension nahi

Long-term returns better

✅ Sovereign Gold Bond (SGB):

RBI ke through issue hota hai

2.5% annual interest ke saath

8-year maturity

Tax benefit bhi milta hai

✅ Digital Gold:

Minimum ₹10 se shuru kar sakte ho

24K gold mein invest hota hai

Later convert bhi ho sakta hai jewelry mein

5. Budget Planning: Kitna Gold Lena Chahiye Shaadi Ke Liye?

Agar aap gold lena hi chahte ho, toh:

Apni shaadi ki overall cost ka 10-15% hi gold par spend karein.

Jewellery se zyada coins ya bars lena zyada practical hai.

Ek fixed SIP ya gold saving plan se investment start karein.

Pro Tip: Gold lena emotional decision ho sakta hai, par financial soch se karein to zyada fayda hoga.

6. Emotional Pressure vs Financial Prudence

Shaadi ek baar hoti hai — ye line sunkar log overspend kar dete hain. Par reality yeh hai ki:

Shaadi ek din ka event hai, par EMI ya loan years tak chal sakti hai.

Gold pe kharcha karne se better hai ki wohi paisa kisi long-term asset mein lagayein (FD, mutual fund, SGB, etc.)

7. Future Value – Kya Gold Waqai Returns Deta Hai?

Let’s compare:

Asset 10-Year Avg Return

Gold 7-9% (CAGR)
Equity Mutual Funds 12-15% (CAGR)
Real Estate 8-10%
FD 5-6%

Matlab, gold stable hai par high-growth asset nahi. Agar goal sirf investment hai, to gold se better options available hai.

8. Final Verdict: Gold in Shaadi – Haan Ya Naa?

Haan:

Agar aap tradition aur culture ko respect karte ho

Agar aapki financial situation strong hai

Agar aap limited quantity aur hallmark gold le rahe ho

Naa:

Agar aap loan lekar gold le rahe ho

Agar pura budget gold pe hi kharch kar rahe ho

Agar aap investment ke liye gold jewelry le rahe ho (not ideal)

Conclusion:

Shaadi ke liye gold lena tradition hai, lekin aaj ke zamane mein smart hona zaruri hai. Gold lena galat nahi, par bina soch samjhe lena bekaar hai.

Apna financial goal samjho, emotional pressure se upar uth kar socho, aur tab decision lo.

Agar gold lena hai, toh proper hallmark ke sath lo, making charges ka dhyan rakho, aur usse ek balanced financial plan ka part banao.

Agar aapko yeh article valuable laga, toh apne doston aur family ke sath zarur share karein!

 

Disclaimer:

Yeh blog post sirf educational purpose ke liye hai. Hum kisi bhi financial product ya gold investment ka direct recommendation nahi karte. Apne financial advisor se salah lena zaruri hai.