Jewellery bills that show exactly what the customer paid for
No bill is checked as carefully as a jewellery bill. Customers compare the gold rate with the day's market rate, check the net weight against the scale, ask how the making charges were worked out, and keep the bill for years — to prove purity and ownership, to exchange the piece later, or to insure it. A clear jewellery bill builds trust; a vague one ("Gold set — ₹1,85,000") invites doubt.
This jewellery bill generator lays out each piece the way customers expect: description, purity, gross and net weight, rate per gram, metal value, making charges, stones, hallmark details, GST and old-gold exchange — with the arithmetic done for you and the total in words. Download it as a PDF on A4 or A5, print it, or send it as an image.
Jewellery bill format
A complete jewellery bill format has these parts:
- Header: shop name, address, phone, GSTIN, and BIS registration if you display it.
- Bill details: bill number, date, customer name, address and phone; PAN for purchases above ₹2 lakh.
- Gold rate of the day: rate per gram for 22K (and 18K or 24K if relevant).
- Item lines: description, purity (22K/916, 18K/750), gross weight, stone weight, net weight, rate per gram, metal value, making charges and stone charges.
- Hallmark details: HUID for each hallmarked piece.
- Totals: subtotal, GST, less old-gold exchange, net payable, and the amount in words.
- Footer: payment modes, buy-back and exchange terms, and signatures.
How to make a jewellery bill — and how to calculate a gold bill
To make a jewellery bill here, choose the jewellery template, enter your header and the day's rate, then add each piece. To calculate a gold bill correctly, follow the same order most jewellers use:
- Net weight = gross weight − weight of stones and other non-gold parts.
- Metal value = net weight × gold rate per gram for that purity.
- Making charges = a fixed amount per piece, a rate per gram, or a percentage of the metal value.
- Stone charges are added separately, with stone details.
- GST is applied to the value of the jewellery including making charges.
- Old-gold exchange, if any, is deducted to give the amount payable.
Gold jewellery bill sample
| Description | Net wt (g) | Rate (₹/g) | Amount (₹) |
|---|---|---|---|
| 22K gold chain (916), HUID AB12C3 | 12.400 | 7,000 | 86,800 |
| Making charges 10% of metal value | — | — | 8,680 |
| 22K gold earrings (916), HUID D45E6F | 4.200 | 7,000 | 29,400 |
| Making charges @ ₹600/g | 4.200 | 600 | 2,520 |
| Taxable value | 1,27,400 | ||
| CGST 1.5% | 1,911 | ||
| SGST 1.5% | 1,911 | ||
| Total | 1,31,222 | ||
In the generator, enter metal lines as net weight (quantity) × rate per gram, and making charges as their own lines. Add CGST and SGST rows at 1.5% each in Bill settings. The gold rate and HUIDs here are illustrative.
Jewellery making charges and VA (value addition)
Making charges cover the labour and wastage involved in crafting the piece, and they are where bills differ most between shops. They may be charged as a flat amount per piece, a rate per gram, or a percentage of the metal value — 8% to 25% is common depending on how intricate the design is. In South India, many jewellers show the same thing as VA (value addition, sometimes written VADD), a percentage added to the metal value that combines wastage and making. Whatever you call it, write how it was calculated on the bill — "Making @ 12% of gold value" — so the customer can check it. Machine-made chains usually carry lower making charges than handcrafted or antique pieces.
Hallmarking and HUID on the bill
Hallmarking of gold jewellery is mandatory in India in the districts notified by the government, which now cover most of the country. A hallmarked piece carries three marks: the BIS logo, the purity grade (for example 22K916, 18K750 or 14K585), and a six-digit alphanumeric HUID (Hallmark Unique Identification) code that is unique to that piece. Customers can check a HUID in the BIS CARE app. Write the purity and HUID of every hallmarked item on the bill — it ties the bill to the exact piece sold and is the strongest proof of purity when the customer sells or exchanges it later. Hallmarking centres charge a small per-piece fee, set by BIS.
Gold jewellery bill with GST
A gold jewellery bill with GST in India charges 3% GST on the value of the jewellery — metal value plus making charges — shown as 1.5% CGST and 1.5% SGST for a sale within the state. Where a customer brings their own gold and the jeweller only provides making services (job work), different rules apply. How GST interacts with an old-gold exchange depends on how the transaction is recorded, so follow your accountant's advice. Diamonds and precious stones have their own rates. Registered jewellers must show their GSTIN and the tax on every bill; rates can change, so confirm them before printing.
Old gold exchange on the bill
For an exchange, show the old jewellery as a separate deduction: description, gross weight, purity found on testing, net fine weight and the value given. The bill should make it clear how the old gold was valued — many jewellers deduct a percentage for melting loss or test the purity on a karat meter. In the generator, add the exchange as a discount line with its value, or enter it in the paid box so the bill shows the balance payable. Give the customer the test result if you have one.
Payment rules for jewellery purchases
- PAN: quoting PAN is required for purchases of goods above ₹2 lakh in a single transaction; record it on the bill.
- Cash limit: under section 269ST of the Income-tax Act, 1961 (renumbered in the Income-tax Act, 2025 from April 2026), a seller cannot accept ₹2 lakh or more in cash from one person for one transaction or occasion. Larger amounts must be paid through banking channels.
- Mixed payment: write each payment mode and amount in the footer — "UPI ₹50,000 · Card ₹81,222".
Jewellery bill terms and conditions
Common jewellery bill terms and conditions include the buy-back and exchange policy ("Exchange at prevailing rate; making charges not refundable"), a statement that the purity is as hallmarked, care instructions, and a note that the bill must be produced for exchange or repair. Keep them short and fair, and don't write anything that contradicts the hallmark or consumer law.
Jewellery bill format in Word, Excel or PDF
Jewellers often search for a jewellery bill format in Word or a jewellery bill format Excel sheet, because the calculations — net weight, rate, making, GST — are fiddly. Here they are built in: enter weights to three decimals, rates and making charges, and the bill totals itself. It downloads as a jewellery bill format PDF in A4 or A5, matching the size of most jewellery bill books. If you keep a stock register in Excel, note the HUID and bill number against each piece sold.
Need the bill in Word? Click Word under the bill to download it as a .docx file, at the same A4, A5 or 80 mm thermal size as the PDF. It opens in Microsoft Word and Google Docs. The bill is placed in the file as a picture, so make any changes here and download it again.
Gold jewellery ka bill kaise banaye
Jewellery template chunein, dukaan ka naam aur GSTIN likhein, aaj ka gold rate likhein. Har gehne ki line mein naam, purity (22K/916), net weight aur rate per gram bharein — amount apne aap aayega. Making charges alag line mein likhein, HUID number item ke naam mein likhein. Bill settings mein CGST aur SGST 1.5% jodein, purana sona exchange ho to use discount mein likhein, aur bill PDF mein download karein.
Diamond and gemstone jewellery
For diamond and gemstone pieces, the bill should separate the metal from the stones. Show the gold or platinum net weight and value as usual, then each stone type on its own line: number of stones, total carat weight, quality (for diamonds, colour and clarity grades such as "F-G / VS") and value. If a stone has a laboratory certificate, write the certificate number. Customers increasingly ask about lab-grown diamonds; if a stone is lab-grown, say so plainly on the bill — it must never be described in a way that suggests it is natural.
Jewellery bill book or digital bill?
Many jewellers still write bills in a printed jewellery bill book with carbon copies, often on A5. The calculations — weights to three decimals, making charges, GST at 1.5% + 1.5% — are where handwritten bills go wrong. This generator keeps the classic look (choose the letterhead or bill book style and add your logo) while every figure is calculated, and you keep an exact downloaded copy of each bill for your records and for the customer's future exchange.
Silver jewellery and articles
Silver is billed the same way — net weight × silver rate per gram (or per kg for articles), plus making charges — usually with 3% GST. Write the purity (for example 925 sterling or 999 fine) and, for hallmarked silver, the hallmark details.
Jewellery bill checklist
Before you hand over or send the bill, a ten-second check catches most mistakes:
- Day’s gold rate for the purity sold.
- Gross weight, stone weight and net weight per piece.
- Purity grade and HUID for every hallmarked item.
- Making charges or VA with how they were calculated.
- Old-gold exchange shown as a separate deduction.
- PAN for purchases above ₹2 lakh and the payment modes used.
Related bill types
Boutiques selling imitation jewellery with clothes can use the clothing bill; jewellers selling to other shops can use the wholesale bill; and the handwritten bill generator lists all bill types.
Fair use
Jewellery bills are used as proof of ownership, purity and value — for insurance, exchange and resale — which makes them a target for fraud. Issue bills only for real sales from your own shop, with the actual weights, purity and amounts. Never create a jewellery bill for a piece that was not sold, or back-date or inflate one for an insurance claim or loan.