What is BIS Hallmark

What is BIS Hallmark

Learn why the BIS hallmark is vital for ensuring dependable and top-notch gold investments.

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In summary

  • The BIS hallmark is India's official gold purity certification by the Bureau of Indian Standards, confirming jewellery meets government-prescribed purity standards.
  • Every hallmarked item carries four identifiers — BIS logo, purity number, HUID code, and jeweller's mark — ensuring authenticity and traceability.
  • BIS purity grades include 999 (24K), 916 (22K), and 750 (18K), each suited for different uses from investment to everyday wear.
  • The HUID is a unique six-digit code on each piece, verifiable instantly via the BIS CARE app.
  • BIS hallmarked gold offers stronger buyer protection and is more readily accepted for gold loans and resale.

What Is a BIS hallmark?

The BIS hallmark is a certification mark issued by the Bureau of Indian Standards (BIS), a national standards body in India. It signifies that a product — in this case, gold jewellery or coins — meets the standards set by the BIS regarding purity and fineness of the precious metal.

For gold, the BIS hallmark gold assures buyers of the gold's purity, measured in carats or fineness, and provides a guarantee of quality. Consumers can rely on the BIS hallmark as a mark of trust and authenticity when purchasing gold items in India.

 

Historical significance of BIS hallmarking

BIS hallmark in gold holds profound historical significance, dating back centuries as a system of quality assurance and consumer protection. Originating in medieval Europe, hallmarking was initially applied to precious metals like gold and silver, indicating their purity and ensuring fair trade.

Over time, hallmarking evolved into a formalised system with standardised symbols, each representing:

  • Specific standards of purity
  • Manufacturer details
  • Location of assay

Across cultures and centuries, hallmarking has remained an integral part of the precious metals industry, upholding traditions of quality, trust, and transparency in trade.


What are the signs of a BIS hallmark?

When purchasing gold, it's essential to recognize the signs of a BIS hallmarked item to ensure you're getting genuine gold. The BIS hallmark on gold includes several key elements: the BIS logo, a three-digit number indicating purity (e.g., 916 for 22-karat gold), the jeweler's identification mark, and the hallmarking center's logo. These marks are usually stamped on an inconspicuous part of the gold item, such as the inner band of a ring. For added assurance, you can also perform a gold hallmark check online, where you can verify the authenticity and details of your gold purchase by entering the hallmark number. This process ensures transparency and confidence in the quality of your gold.
 

What is HUID?

The HUID, or Hallmark Unique Identification Number, is a unique six-digit alphanumeric code stamped on BIS hallmarked gold jewellery. Introduced to improve transparency and traceability, this code helps buyers verify the authenticity and purity of gold jewellery with ease. A BIS hallmark on gold confirms that the jewellery meets the purity standards set for hallmarked gold items in India.

A BIS hallmark generally includes:

• BIS logo
• Gold purity and fineness
• HUID code
• Jeweller’s identification mark


The role of BIS hallmark in ensuring quality standards

A BIS hallmark on gold acts as an assurance of purity and quality for buyers purchasing gold jewellery in India. Issued under standards set by the Bureau of Indian Standards, hallmarked jewellery undergoes proper verification to confirm its stated purity. Choosing BIS hallmarked jewellery helps buyers make safer and more informed purchasing decisions, especially when considering long-term value or applying for a gold loan later. The hallmark also improves transparency in the jewellery market by providing standardised purity certification. Today, many buyers prefer BIS hallmarked jewellery because it increases trust, authenticity, and confidence during gold purchases.
 

BIS hallmark gold purity grades: 999, 916, 750 explained 

A BIS hallmark helps buyers identify the purity level of gold jewellery and gold items before purchase. The numbers stamped as part of the BIS hallmark on gold represent the purity and fineness of the gold used in the item. Understanding these grades can help buyers make informed decisions based on usage, durability, and investment preferences.

Common BIS hallmark purity grades include:

999 gold – Indicates 99.9% pure gold, commonly used for coins and investment purposes
916 gold – Refers to 22 karat gold with 91.6% purity, widely used for jewellery in India
750 gold – Represents 18 karat gold containing 75% pure gold, often preferred for studded and designer jewellery

Checking the BIS hallmark ensures better transparency, authenticity, and confidence while purchasing gold jewellery.
 

How to check BIS hallmark on gold jewellery (BIS CARE app guide)

Buyers can verify whether their jewellery is genuinely BIS hallmarked by using the BIS CARE mobile application. The app helps users confirm the authenticity of the BIS hallmark on gold through the HUID number stamped on the jewellery item.

Steps to verify gold jewellery:

• Download the BIS CARE app on your smartphone
• Open the app and select the ‘Verify HUID’ option
• Enter the HUID number mentioned on the jewellery
• View details such as purity, jeweller information, and hallmarking details

This verification process helps buyers ensure transparency, authenticity, and purity before purchasing or using gold jewellery.
 

Pro tip: Want to make the most of your hallmarked gold? Check your gold loan eligibility and unlock quick funds against your verified jewellery—all while ensuring complete safety and transparency.

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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.

Why BIS hallmarks are important in gold?

Hallmarks on gold serve multiple crucial purposes:

  1. Quality assurance: Hallmarks certify the purity and authenticity of gold. They indicate the gold's purity level, ensuring buyers receive what they pay for, whether it is 24-karat pure gold or a lower karatage.
  2. Consumer protection: Hallmarks offer a layer of protection for consumers against counterfeit or substandard gold. They provide assurance about the gold's quality, preventing fraudulent practices in the market.
  3. Legal compliance: In many countries, hallmark gold is a legal requirement. It ensures that gold items sold meet specific standards set by authorities, maintaining transparency and fairness in trade.
  4. Market recognition: Hallmark gold holds international recognition, facilitating trade across borders. It builds trust and confidence among buyers and sellers, fostering a transparent marketplace.
  5. Investment value: For investors, hallmark gold carries credibility and can be easily traded or sold, as its purity is guaranteed, making it a reliable investment asset.

Overall, hallmarks on gold play a crucial role in assuring quality, protecting consumers, maintaining legal standards, fostering trust in the market, and enhancing the value and credibility of gold as an investment and a valuable commodity.

Since hallmarked gold assures purity and value, check your gold loan eligibility today and unlock its full financial potential.

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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. *