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The Latest Gold Bangles Designs With Price: The Latest In The Line

An assortment of gold bangles is truly appealing to the eyes.

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gold jewelry
At times, even the guests bring up gold bangles to gift to the bride. Pixabay

Men and women equally love and adore gold ornaments, and buy them according to their budgets. Different kinds of metals are used for making ornaments and gold is one of the best materials. It is alluring and expensive metal so much appreciated for its quality, look and sheen. Gold, the precious metal, is used for making a variety of jewelry in different designs, patterns and styles. Among so many kinds of gold jewelry items, gold bangles are the most popular. Gold bangles are popular type of jewelry worn by most women today. It is mostly Indian women who adorn their wrists with bangles and indeed traditional Indian jewelry is not complete without bangles.

gold jewelry
Gold Jewellery in display at a shop, Wikimedia Commons

The beautifully handcrafted gold bangles adorn and ornament dainty wrists of women folk. Now is the trend to shop online for 22k gold bangles. Gold bangles are truly versatile ornaments found in varied patterns and designs. They are available in an exciting range of shapes and specifications besides round ones. Bangles of gold and diamond are worn widely and are also gifted during weddings. When you search online for such bangles, you will find hundreds of stores showcasing 22k gold bangles designs with price. Make your choices online and get the items delivered at your doorsteps.

The different kinds of gold bangles

Bangles carrying round designs are pretty common. Look for something different and discover a range of bangles. Besides, they are available in 24k gold, 22k gold and 18k gold. From the online stores, you may buy bangles in various price ranges and styles. Online jewelry stores tend to showcase a plethora of bangle styles and designs. Indian wedding is never complete without gold jewelry. You will notice the bride wearing gold bangles all over her hands and even the guests wear beautiful bangles of gold and flaunt them in style and pride. Being the symbol of happiness and prosperity, gold bangles are gifted to a bride by her parents. At times, even the guests bring up gold bangles to gift to the bride.

If you are a parent about to wed your daughter, then you may look online for exquisite pieces of gold bangles along with price and weight. Online gold stores have made it easy to shop for gold bangles from the comfort of one’s home.

gold jewelry
Among so many kinds of gold jewelry items, gold bangles are the most popular. Pixabay

Bangles are symbolic of culture, tradition and customs. Women in this century are no more guided by age old beliefs when searching for gold jewelry. There is a kind of love affair between young women and gold jewelry in the current times. They are now putting forward their preference and choices in front before making any purchase.

Custom jewelry designs at its best

Every jewelry lover or jewelry shopper is open to trying out new designs, styles and patterns of gold jewelry. There is more demand for engraving and jewelry customization. With the online stores, there isn’t any dearth of fusion gold bangles, traditional gold bangles and contemporary designs. Latest gold designs are thin and delicate gold bangles that are gifted by moms to their daughter-in-laws. Along with such jewelry, you can gift charm bracelets to be adorned on usual occasions.

An assortment of gold bangles is truly appealing to the eyes. Buy them at best prices online.

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India Grapples with Credit Issues

While the framework utilised by the rating agencies that has led to a delay in ratings relaying the correct credit information to market participants

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India, Credit, Issues
Recent news whereby credit downgrades have just preceded defaults by Non-Banking Financial Companies (NBFCs) is a case in point. Pixabay

As India grapples with credit issues, one of the primary factors that needs analysis is the broken transmission mechanism that relays credit quality to market participants. In common parlance, the transmission mechanism that provides information regarding the credit quality of the borrower to the lenders is unable to do so efficiently. Recent news whereby credit downgrades have just preceded defaults by Non-Banking Financial Companies (NBFCs) is a case in point.

While the framework utilised by the rating agencies that has led to a delay in ratings relaying the correct credit information to market participants is partially to blame for the inefficacious credit transmission mechanism, issues around rating agencies are only part of the problem. For sure, rating agency regulations must be improved, but we must also realise that “credit market frameworks” are much more than ratings.

We must realise that credit ratings have limitations in terms of predicting credit cycle ups and downs. This phenomenon isn’t limited to just India but is a global feature. The inability of the credit rating mechanism to adequately price in and predict the credit cycle implies that a multi-pronged approach is needed to ensure that the credit quality transmission mechanism works effectively. Essentially, India needs to develop other features of the credit market that will assist market participants in gauging credit quality, thereby reducing the risk of a “jump-to-default” scenario we have witnessed repeatedly over the last 12 months.

Indian policymakers need to start working on a framework that will allow a liquid and deep secondary market to develop in credit products. Credit products here refers to the entire universe of lending, including bonds, loans and other instruments. Market pricing of products and risk and therefore increased participation by investors will help in “price discovery” of the credit quality. Constant pricing of credit risk and the concomitant information and structure that entails will imply that lenders will have a better information set with which to make informed credit decisions.

India, Credit, Issues
As India grapples with credit issues, one of the primary factors that needs analysis is the broken transmission mechanism that relays credit quality to market participants. In common parlance, the transmission mechanism that provides information regarding the credit quality of the borrower. Pixabay

A market that allows for secondary liquidity, albeit even small amounts to start with, will also incentivise borrowers to manage their credit profile better. More importantly, a secondary market for credit instruments will go a long way towards avoiding the bunching of credit as it happens in today’s market. A credit market has a cycle, and without the existence of a robust secondary market, in expansionary credit cycles, poor quality credit gets excessive access to capital. On the contrary, once the credit cycle contracts credit access for all businesses is diminished to a great extent.

We must work towards breaking the above trend that has plagued the Indian economy significantly. A secondary market for credit instruments will incentivise both lenders and borrowers to behave in a way such that the entire available pool of credit goes towards the most optimal usage.

Policymakers also need to start utilising vehicles similar to Real Estate Investment Trusts (REITs) or Infrastructure Investment Trusts (InvITs) to allow for the pooling of credit instruments. While debt mutual funds exist in the market, the aim of the new “credit pooling vehicles” will be to enable institutional investors to access credit instruments across the spectrum, and not just limited to certain corporate bonds. Access to vehicles that allow for greater liquidity and transparency will go a long way in increasing the capital availability and investor participation in Indian credit markets.

As India looks to boost economic growth, it is essential to realise the credit interlinkages in the economy. To boost exports, a primary aim in India, credit access will be a vital component, if not the most important. If credit is constrained by inefficiencies in the credit information transmission mechanism and therefore leads to inefficient lending in the real estate sector, then it is essential to realise that not only is the real estate sector severely affected but so are other areas such as exports. Primarily, an improved credit framework will lead to both higher availability of capital and credit availability at more affordable rates.

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Credit markets, like all businesses, will move in cycles. Indian policymakers must aim to start building on the blocks that will allow credit downturns to be less severe and shorter. The ability to provide the market access to better information and investment structures will go a long way in improving credit pricing, and thereby credit access. (IANS)