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Understanding the different types of gold colours
Ever noticed that gold does not always look the same? When you explore gold jewellery, you will see it in different colours, and each shade comes from the metals mixed with pure gold. Yellow, white, and rose gold are the most common, while rare options like green or purple gold are created using specific alloy combinations. Yellow gold is usually mixed with copper and silver, white gold with metals like nickel or palladium, and rose gold with a higher amount of copper. While the colour changes, the purity level, measured in carats, stays the same. Knowing these gold colours helps you choose jewellery that suits your style and personal preference.
How many shades of gold are there?
Gold’s natural colour is yellow, but it comes in different shades due to the addition of various alloys. Pure gold (24 carats) is too soft for practical use in jewellery, so metals like silver, copper, and palladium are added to strengthen it and change its colour. For example, white gold is created by adding palladium or nickel, while rose gold contains more copper. The choice of alloy and its proportion results in varying colours of gold, without affecting its fundamental properties. The blending of alloys allows jewellers to offer a wider range of colours, catering to diverse tastes and preferences.
Why does gold come in different colours?
The most popular gold colours in the jewellery market are yellow, white, and rose gold. Yellow gold retains its classic appeal, symbolising tradition and wealth. White gold, often preferred for modern and sleek designs, is popular in engagement rings and elegant jewellery. Rose gold, with its subtle pink hue, has gained popularity due to its romantic and vintage appeal. Each of these shades suits different styles and occasions, making them the top choices among buyers. While less common, green and black gold also have niche appeal in avant-garde jewellery designs.
What are the most popular shades of gold colour?
The colour variations in gold come from the metals added to pure gold. Yellow gold retains its warm colour because of a balanced mix of silver and copper. White gold, made with palladium or nickel, takes on a silver-like appearance, often finished with rhodium for extra shine. Rose gold’s pink hue comes from the addition of a higher proportion of copper. Less common colours like green gold result from mixing gold with silver, and blue or purple hues are achieved using elements like indium or aluminium. The chemistry behind these alloys creates unique shades while maintaining gold’s durability and lustre.
Exploring the chemistry behind different gold colours
Yellow gold is the traditional and purest shade, admired for its warm, rich hue. White gold, made by blending gold with white metals like palladium or nickel, has a sleek and modern silver-like appearance. Rose gold, with its pinkish tint, is a blend of gold and copper, offering a romantic, vintage look. These three shades differ not only in appearance but also in the type of alloy used. Yellow gold suits classic jewellery, white gold complements contemporary designs, and rose gold is often used in trendy, statement pieces. Each colour appeals to different tastes and occasions.
What are the differences between yellow, white, and rose gold?
| Criteria | Yellow Gold | White Gold | Rose Gold |
| Style | Traditional, classic | Modern, sleek | Romantic, vintage |
| Alloy Composition | Gold, silver, copper | Gold, nickel, palladium | Gold, copper |
| Durability | Highly durable | Durable but requires rhodium coating | Durable but can scratch easily |
| Skin Tone Compatibility | Warmer skin tones | Cooler skin tones | All skin tones |
Choosing the right gold colour depends on personal preference, skin tone, and the style you want for your jewellery. Traditional yellow gold suits classic pieces, white gold offers a modern look, while rose gold adds a romantic touch.
How to choose between different gold colour types for your jewellery?
Real gold jewellery is made by blending gold with alloys, giving it different shades like yellow, white, and rose. In contrast, gold-plated jewellery involves applying a thin layer of gold over a base metal. While both options offer aesthetic appeal, real gold maintains its value and durability over time, whereas gold plating can wear off, exposing the underlying metal. Plated gold tends to lose its colour faster, and the gold content is minimal, affecting its overall quality. It’s essential to distinguish between these two when purchasing jewellery, as real gold holds much more long-term value.
Difference between real gold colours and gold plating colours
The colour of gold can impact the loan value to some extent, but it primarily depends on the purity and weight of the gold. Yellow, white, and rose gold typically contain the same gold content, but alloys like copper or palladium may affect the overall weight. For instance, a higher percentage of copper in rose gold might slightly reduce the total value compared to pure yellow gold. However, when determining the loan amount, lenders focus on the gold’s purity, not its colour. It’s crucial to ensure that the gold used in jewellery, regardless of its colour, is of high quality for maximum loan value.
Can I get a gold loan on rose gold jewellery?
Yes, you can obtain a gold loan on rose gold jewellery, as it contains a significant amount of gold, just like yellow or white gold. The value of the loan depends on the purity and weight of the gold in the jewellery, not its colour. Lenders typically assess the gold content in rose gold to determine its value. Since rose gold is a mixture of gold and copper, the final loan value will reflect the amount of pure gold in the jewellery. Ensure that your rose gold jewellery has a high carat value for the best loan amount.
Gold loan eligibility for white, yellow, and rose gold
Gold loan eligibility is based on the purity and weight of the gold. Bajaj Finance offers gold loan only against 18-22 karat yellow gold. White and rose gold are not accepted for gold loans by Bajaj Finance. The loan amount is calculated based on the gold’s value. Only jewellery made from yellow is eligible for a loan.
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Latest RBI updates
Section | Parameter | Applicable Details |
Eligibility Criteria | Gold purity accepted | 18-22 Karat for jewellery and ornaments |
24 karat for gold coins | ||
Eligible collateral types | Gold ornaments, jewellery, and coins | |
Eligible limit for each collateral type | Ornaments | Total pledged weight across all loans must not exceed 1 kilogram |
Gold coins | The total weight of gold coins pledged cannot be more than 50 grams. | |
Gold Jewellery | As per maximum loan amount. | |
Overall exposure limit | The total loan exposure across ornaments, jewellery, and gold coins together must not exceed the maximum loan limit of Rs. 2 crore. | |
Collateral protection
| Any loss, damage, or discrepancy in the quantity or purity of your pledged gold identified during audit, return, or auction will be recorded and promptly communicated to you or your legal heirs. The reimbursement or compensation process, as per company policy and SOP, will be clearly explained. Delays in collateral release due to lender fault will attract compensation of ₹5,000 per day. | |
Gold loan renewal | Renewal parameter | You can request renewal of your gold loan before maturity if it remains in standard status and within permissible LTV limits. This facility is available only to existing customers. For bullet repayment loans, accrued interest must be cleared. Renewals are subject to credit checks, fresh applicable charges, and are not allowed after maturity. |
Gold loan top up | Top up parameter | Top-up is allowed before maturity, subject to regulatory LTV limits, credit assessment, and customer eligibility. Fresh fees and charges apply. Top-up after maturity is not permitted, even if dues are outstanding. Top up facility is available only to existing users. |
LTV (Loan to Value) | For loans up to Rs.2.5 lakh | 85% |
For loans between more than Rs.2.5 lakh to Rs.5 lakh | 80% | |
For loans from more than Rs. 5lakh to Rs. 2 crore | 75% | |
Gold Value | Evaluation parameter | As per the latest guidelines, gold loans are offered against specific purity of gold jewellery, ornaments and gold coins, valued using lower of the average closing price for your gold's specific purity over the last 30 days or the previous day's closing price, as published by IBJA or a SEBI-regulated commodity exchange, within prescribed limits and subject to KYC and timely repayment. |
Which gold colour is better for a higher gold loan value?
The gold colour that offers the highest loan value is typically yellow gold, as it tends to contain fewer alloys compared to white or rose gold. However, the loan amount is determined primarily by the gold’s purity and weight, not the specific colour. White and rose gold may contain additional metals like palladium or copper, which can slightly reduce the overall gold content. For the best loan value, ensure that your gold jewellery, regardless of colour, has a high purity level, such as 22 or 24 carats. The key factor remains the purity of the gold, not its shade.
Before you pledge your gold, know your options. Check your gold loan eligibility and choose the right amount and tenure.
Frequently asked questions
Gold Colours
Gold comes in different colours due to the addition of various metals to pure gold. Pure gold is too soft to make durable jewellery, so metals like silver, copper, and palladium are mixed to create stronger alloys. These metals affect the colour of the gold, resulting in shades like yellow, white, and rose. The final appearance depends on the type and amount of metals added, giving jewellery a unique look.
For everyday wear, white gold and yellow gold are both excellent choices. Yellow gold is traditionally admired for its classic appearance and high durability. White gold, with its sleek and modern look, is often coated with rhodium, making it durable and resistant to scratches. Rose gold, while beautiful, may not be as resistant to scratches, making it less suitable for regular wear. Choose gold colour based on your gold usage, lifestyle and style preference.
When it comes to securing a higher gold loan amount, the gold’s purity, not its colour, is the most important factor. Yellow, white, and rose gold all contain the same percentage of pure gold if they have the same carat rating. However, since yellow gold tends to contain fewer alloying metals, it may be slightly more valuable in weight. Ultimately, the purity and weight determine the loan amount, not the colour of the gold.
The different types of gold are categorised by their colour and purity. The most common colours are yellow, white, and rose gold, each achieved by mixing pure gold with other metals like silver, palladium, or copper. Gold is also classified by purity, measured in carats, with 24-carat gold being the purest. Jewellery often uses 18-carat or 22-carat gold, where the remaining percentage is made up of alloying metals for strength and durability.
Gold prices depend on factors like inflation, demand, and global market trends. Many experts believe the gold price increasing is possible due to economic uncertainties and rising investment demand. However, market conditions change daily, so staying updated on trends helps in making better buying, selling, or investment decisions.
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Disclaimer
Bajaj Finance Limited (BFL) has the sole and absolute discretion, without assigning any reason to accept or reject any application as per BFL policy. *