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You can check gold purity using the BIS hallmark, karat markings (like 22K or 24K), electronic gold testers, or by visiting a certified jeweller. The BIS hallmark is the most trusted method in India.

To protect the interests of consumers, the Bureau of Indian Standards (BIS) has made hallmarking of all gold by dealers in India compulsory.

Beginners can invest in gold through options like jewellery, coins, ETFs, sovereign gold bonds, or digital gold. It's a safe-haven asset that helps diversify portfolios and hedge against inflation.

Emergency fund is money stashed away to be used for unforeseen costs and expenses thus easing the financial stress arising during difficult times.

NMI in Loan terms is the (Net Monthly income) disposable income that a borrower receives every month after meeting his regular expenses and deduction of taxes and any other outstanding liabilities.