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  • Prices shown are indicative estimates calculated from international spot prices (COMEX) and USD/INR exchange rates. These are not official exchange rates from MCX, IBJA, or any commodity exchange.
  • Silver prices auto-refresh every 30 seconds and may differ from actual retail prices by 2-5% due to local demand, dealer margins, and market timing.
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Data sources: International spot prices, ECB forex rates. Official references: MCX India • RBI • IBJA • BIS Hallmarking

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Home/Break-Even Calculator

Silver Break-Even Calculator

Calculate your break-even price including making charges, GST, and all costs

Last updated: 23 January 2026

Break-Even Calculator

Calculate the break-even price for your silver purchase

⚖️

Enter your details

Break-even analysis will appear here

⚠️ Important to Know

  • Making charges are typically not recoverable when selling back
  • Jeweller buyback prices are usually 2-10% below market rate
  • Bullion (bars/coins) has better resale value than jewellery
  • Always get multiple quotes before selling
GST Rates: Silver 3% | Making Charges 5% • Last Updated: 2026-01-23

📊 Jewellery vs Bullion: Break-Even Comparison

FactorSilver JewellerySilver Bullion
Making Charges6-15%1-3%
GST on Making5%Minimal
Resale ValueLower (making charges lost)Higher (near spot price)
Break-Even Gap13-20% above purchase4-6% above purchase
Best ForWearing + Long-term holdingPure investment

💡 Tips to Improve Your Break-Even

✓

Negotiate making charges

Ask for lower rates, especially on larger purchases

✓

Buy during festivals

Many jewellers offer discounts on making charges

✓

Consider bullion for investment

Lower break-even gap means faster path to profit

✓

Get multiple buyback quotes

Prices vary significantly between dealers

Current Silver Rate

Live
₹327.42/gram

Last updated: 4:22:26 pm

Typical Cost Reference

Making Charges

Jewellery: 6-15% | Bullion: 1-3%

GST on Silver

3% on metal value

GST on Making

5% on making charges

Jeweller Buyback

Typically 2-10% below market

More Tools

🧮 Silver Calculator

Calculate by weight & purity

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📈 Investment Calculator

Calculate profit/loss on silver

→
🏛️ Capital Gains Tax

Calculate tax on silver profits

→

Frequently Asked Questions

Break-even price is the minimum market price at which you can sell your silver without loss. It includes your purchase price, making charges, GST, and any other fees. For jewellery with 10% making charges and 3% GST, break-even is typically 13-15% above the silver price at purchase.
Generally, no. Jewellers pay only for the silver content when buying back, not for making charges. This is why bullion (bars and coins) has better resale value compared to jewellery — lower or no making charges.
Jewellers typically offer 2-10% below market rate when buying back silver. This varies by jeweller, city, and quantity. Getting multiple quotes is recommended before selling.
For pure investment, bullion (bars and coins) is better as it has minimal making charges (1-3% premium) and better resale value. Jewellery is suitable if you also want to wear it, but expect lower returns due to unrecoverable making charges.
GST on silver is 3% on the metal value. Additionally, 5% GST applies on making charges. So for jewellery, you pay 3% on silver + 5% on making charges.