GRT ₹5,000 Monthly Chit Closing | ₹71,500 Gold ➡️ ₹58,840 | Wastage Negotiation & Gold Savings #GRT

Hi everyone! In this video, I’m sharing my complete gold chit closing and jewellery shopping experience! ✨ I started saving through 2 monthly gold chits — ₹2,000 + ₹3,000 = ₹5,000 per month and finally used the savings to purchase gold jewellery for ₹58,840, with the jewellery value coming to around ₹71,500. I also share how I negotiated the wastage, revised the wastage percentage, calculated the additional amount, and made the final purchase. 💛 In This Video 🔸 ₹5,000 monthly gold chit closing 🔸 ₹2,000 + ₹3,000 monthly chits 🔸 Gold savings journey 🔸 Total saved gold weight — 4.043 g 🔸 Purchased gold weight — 4.163 g 🔸 Amma's gold ring ❤️ 🔸 Baby gold ring 🎁 🔸 2 pairs of baby gold studs 🔸 Purchase-day gold rate — ₹14,190/g 🔸 Initial wastage vs revised wastage 🔸 Wastage negotiation 🔸 18% wastage benefit 🔸 Final baby stud wastage — 18.96% 🔸 Additional amount calculation 🔸 GST and wastage calculation 🔸 Final bill — ₹58,840 🔸 Jewellery value — ₹71,500 🔸 Approx. value difference — ₹12,700 🔸 Gold buying and wastage negotiation tips 🔸 VA%, HUID, hallmark and making-charge considerations 🔸 Long-term silver savings 💡 Gold Shopping Tip Before purchasing jewellery, always check the wastage, making charges, VA%, HUID, hallmark and complete bill. If your chit provides a wastage benefit, ask the jeweller about the applicable benefit and negotiate the wastage wherever possible. Understanding the complete charge breakdown can help you make a more informed purchase. 📋 15 Checklist Items for Monthly Gold Chit Watch my detailed 15 Checklist Items for Monthly Gold Chit video here:    • தங்க நகைச் சீட்டு ஆரம்பிக்கிறீங்களா? இந்த ...   ❤️ Subscribe to Hani Dharsha Vlogs For more videos about gold savings, monthly gold chits, gold rate updates, jewellery shopping, DigiGold, money-saving tips and savings challenges, subscribe here:    / @hanidharshavlogs   📩 For Enquiries: hanidharshavlogs@gmail.com Disclaimer: This video shares my personal gold chit and jewellery shopping experience. Gold rates, wastage, making charges, GST, VA%, benefits and final amounts may vary by jeweller, scheme, product and purchase date. Please verify all charges, HUID/hallmark, purity and chit terms with the respective jeweller before purchasing. This content is for informational purposes only and is not financial or investment advice. #HaniDharshaVlogs #GoldSavings #GoldChit #MonthlyGoldChit #GoldChitSavings #GoldSavingsPlan #GoldJewellery #GoldShopping #GoldRate #GoldPrice #GoldBuyingTips #GoldSavingsTips #GoldWastage #WastageCharges #GoldMakingCharges #GoldVA #HUID #HallmarkGold #DigitalGold #DigiGold #DigitalGoldSavings #MoneySavings #MoneySavingTips #Money #MoneySavingChallenge #SavingsTips #MonthlySavings #SavingsChallenge #PersonalFinance #SmartSavings #MoneyManagement #LongTermSavings #SilverSavings #PreciousMetalSavings #TamilYouTube #TamilVlog #TamilMoneySaving #TamilGoldSavings #GoldInvestmentTamil #SavingsTamil #GRT #GRTchit #grtinstagold #InstaGold