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Mailbox discount is no golden deal,[link widoczny dla zalogowanych]
Gold is constantly on the hold an enduring, insatiable fascination for many Indians. A sizable portion of gold lovers in the united states would rather buy physical gold (coins, bars, jewellery) over paper-based options for example gold eft's (ETFs) and e-gold.
Come the festival season, and sellers of hues feed the frenzy for that yellow metal, promising big discounts. The Indian postal department also joined the bandwagon not too long ago. This Diwali, India Post is offering 7 percent discount on 24-carat, 99.99 per cent purity gold coins of weights ranging from 0.5 grams to 50 grams. The coins,[link widoczny dla zalogowanych], manufactured by Swiss company Valcambi and sourced from Reliance Money, are being bought from post offices across the country.
With gold prices rising sharply and currently hovering around Rs 31,600 per 10 grams,[link widoczny dla zalogowanych], the 7 percent discount provided by the mailbox sure seems attractive. But is really the best deal? We think it's not.
This is based on our enquiries with assorted vendors post office, banks, retailers about the value of 24-carat coins on November 7. The cost (after discount) offered by the postal department was greater than the quote of most banks and gold retailers.
For example, the discounted price of a 5-gram 24-carat cash on November 7 was Rs 17,598 in the post office. This was 6.6 percent greater than the cheapest quote of Rs 16,505 with a Chennai-based mid-sized jeweller for any 5-gram gold coin of the same specification.
The post-office price seemed to be greater than those of big retailers in Chennai such as GRT, Joy Alukkas and Tanishq and banks for example State Bank of India and Bank of Maharashtra (see table).
So, what explains the higher value within the mailbox despite the steep advertised discount? This is as a result of high listed price (displayed selling price) which the discount is offered. As one example of,[link widoczny dla zalogowanych], on November 7, the Chennai-based mid-sized jeweller were built with a base rate of Rs 3,174 for 1 gram of 24-carat gold. For this,[link widoczny dla zalogowanych], it added a 4 per cent mark-up (including value added tax of 1 percent) to arrive at its selling rate of Rs 3,301 per gram, and used this rate to fix prices for a number of weights. On the same day,[link widoczny dla zalogowanych], the market price mentioned by the mailbox was Rs 18,922.5 for five grams of their 24-carat gold. This calculates to Rs 3,785 per gram. Following a 7 percent discount on this,[link widoczny dla zalogowanych], the value was Rs 3,520 per gram. This explains the larger price.
Are we comparing apples with oranges? May be the gold sold through the post office and banks superior to that sold by retailers and hence will it command a higher price? The mailbox and banks advertise their trust value, and also the high-quality and purity of the gold retailed by them. They stress upon the tamper-proof packaging and assayer certificate.
But retailers maintain that the gold sold by them can also be of similar high quality,[link widoczny dla zalogowanych], with similar safeguards. In fact, retailers state that since the mailbox and banks only sell and don't buy back coins, several coins eventually find their way to retail stores, which sell them. So, just how can the purity and quality of the coins be any less, they ask.
Unlike the mailbox and banks, retailers both sell and buy gold from customers. But when they're buying, retailers usually offer to pay for customers in cash only when the gold was originally purchased from them. If the customer had purchased the gold from another seller,[link widoczny dla zalogowanych], the retailer usually offers simply to exchange the gold against new purchases. This means that it might not be possible for customers to sell gold coins purchased in the post office and banks for cash. They might simply be able to exchange them with retailers against new purchases. While the exchange may happen in the prevailing base rate,[link widoczny dla zalogowanych], the new purchase will be charged at the market rate including mark-ups.
The bottom-line, like a retailer put it, is to some homework before you purchase Scout around for the best gold rates in your city and be pleased with the standard before you make an order. A retailer you trust might be able to provide a better deal.
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