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Home » How Much Gold Can I Carry From USA To India? | Gold Jewelry Allowance & Custom Regulations 08-05-24

How Much Gold Can I Carry From USA To India? | Gold Jewelry Allowance & Custom Regulations

Last Updated on May 8th, 2024 by Renu Dahiya, Leave a Comment

Gold is a precious metal of immense value, deeply ingrained in India’s culture and traditions. It symbolizes prestige and is also a popular investment choice due to its consistently rising prices. However, many travelers often overlook gold allowances and restrictions when flying to India, resulting in frequent gold confiscations at airports. To ensure you’re well-informed, we’ve created this comprehensive guide to carrying gold from USA to India . Check it out now!

Allowances For Carrying Gold To India | Indian Customs On Gold

Duty-free limits.

If you’re a male passenger, you can bring up to 20 grams of gold jewelry into India duty-free, valued at a maximum of Rs. 50,000. Female passengers have a higher allowance of 40 grams, up to Rs. 100,000.

Conditions For Allowance

To qualify for these limits, you should have lived abroad for over a year. The same rules apply to children meeting this residency requirement.

Jewelry Only

Remember, the duty-free allowance applies to gold jewelry, not gold coins, bars, or biscuits.

Plain Gold Jewelry

The allowance is specifically for plain gold jewelry; it doesn’t cover jewelry with studded gems, diamonds, or other gold forms.

Declare Excess Gold

If you exceed the standard duty-free limits or carry gold in any other form, declare it to avoid confiscation, fines, and penalties. Concealing or not declaring gold can lead to complications.

Note – If a passenger bringing in gold has not stayed abroad for more than 6 months, then the duty on gold will be charged @38.5% on all the gold he/she arrives with. 

Paying Customs Duty for Excess Gold

Gold ornaments exceeding the allowed limits face the below-mentioned custom duties – 

• Customs Duty for gold bars and coins – 10% ad valorem + 3% cess
• Customs Duty for gold bars and jewelry – 12.5% ad valorem + 2.5 % cess
• Customs duty equals 13.75% if you have traveled abroad for less than a year.
• When traveling for less than six months, the customs duty is 38.5%

Tip – To enjoy a lower duty rate, it’s advisable to carry foreign currency or U.S. Dollars. Paying customs duty in Indian Rupees will result in the standard 15.00% rate.

Getting Your Gold Jewelry Appraised

For a smooth journey, it’s a wise move to get your jewelry appraised with receipts and photos, ensuring it’s easily identifiable. If you plan to take your jewelry out of India when you depart, having appraisals handy is crucial for documentation. If your jewelry was originally bought in India, be ready to show proof to customs officials. In the rare case that your items can’t be identified or documented, customs may hold them temporarily, providing you with a receipt. You can retrieve your jewelry when leaving India.

Declare Your Jewelry

When filling out the customs declaration form, it’s essential to declare all the gold jewelry you’re wearing or carrying. If you’re carrying more than the duty-free allowance, consider declaring these items to customs authorities upon arriving in India and have them noted in your passport. To ease the process, Indian customs has introduced a 10% charge, which can be refunded upon your return. A jewelry appraiser will assess the value of your gold jewelry. NRIs and US citizens bringing jewelry to India from countries like the USA, Australia, and Canada may face questioning by customs officials upon their return.

Carry A Reasonable Amount Of Gold Jewelry

In India, customs officers mainly focus on preventing illegal gold imports. They typically don’t scrutinize NRIs or US citizens visiting briefly who bring a reasonable amount of jewelry for personal use. Customs issues mainly arise with large quantities of solid gold or excessive amounts of jewelry, like someone carrying 50 gold bracelets, which is not considered reasonable for personal use. So, it’s best to stay within sensible limits to avoid raising suspicion and unnecessary checks by customs officials.

Get Jewelry Appraised In The USA (In Your Home Country)

To avoid hassles with both Indian and home country customs regarding your jewelry brought to India, consider getting it appraised in the USA (in your home country). The appraisal includes a photo and details like gold content and weight. Carry this appraisal with you; it can reassure Indian customs that you plan to take your jewelry back home. Additionally, having this appraisal can help when you return, as you can obtain a card from customs authorities in your home country, making the process smoother.

Other Key Points To Keep In Mind

Remaking old jewelry.

When it comes to remaking old gold jewelry, most countries treat it as a completely new item and charge customs duty accordingly. For example, if you bring old gold ornaments from the USA to India for remaking, you’ll be taxed based on the full appraised price, even though the gold originated in the USA.

Diamonds and Studded Jewelry

If your jewelry includes precious stones or diamonds, it doesn’t qualify for a duty-free allowance. You’ll need to pay duty based on the quantity carried. The duty-free allowance applies exclusively to pure gold jewelry, as specified by Indian customs regulations.

Gold Jewelry Limit Per Passenger

Each passenger can carry up to 1 kilogram of gold jewelry, but only if they’ve stayed abroad for a year or more. Even if you’re willing to pay customs duty, Indian customs won’t allow more than 1 kilogram of gold jewelry.

Carrying Gold Coins or Bars From USA To India

When it comes to bringing gold coins or bars from the USA to India, you can carry those weighing less than 1 kilogram by paying the required customs duty taxes. However, this rule applies exclusively to Indian citizens traveling with a valid Indian government-issued passport. 

Frequently Asked Questions

Q: what if i carry more than 1 kg of gold bars.

A: If your gold bars weigh more than 1 kilogram, you should provide customs with all the necessary declarations. Customs will impose a tax on the value of the gold if it exceeds 1 kilogram. To avoid hefty taxes, its advisable to keep the weight under 1 kilogram unless its an urgent situation.

Q: How much extra gold can you bring beyond the free allowance?

A: An Indian passport holder who has lived abroad for at least one continuous year can bring up to 1 kilogram of additional gold, which includes gold jewelry, gold scrap, gold coins, or gold biscuits, upon paying the required duty fee.

Q: Who can import gold as Baggage?

A: Any Indian traveler holding a valid Indian passport and returning to India after being abroad for a minimum of six months is authorized to bring gold in their baggage. Customs duty must be paid for this import.

Q: What is an export certificate for gold?

A: An export certificate, issued by customs, contains the traveler s identity, passport number, and details about the item, such as its weight and description, especially for gold jewelry. This certificate remains valid for three years.

Q: Can I carry artificial jewelry in checked baggage on an international flight?

A: Yes, you can carry artificial jewelry in your checked baggage on an international flight. but, sometimes they ask if its gold or any other precious items. They even may ask to open the bags. So, it is advisable to carry your jewelry in hand luggage. Also, it is recommended to check the specific guidelines and regulations of your airline and destination country before traveling.

Q: Can you bring vapes on a domestic flight within Australia?

A: Yes, you are allowed to carry vapes on a plane when flying in Australia provided you follow all the guidelines and carry it only in your carry-on baggage.

Now, that you’re aware of the gold allowances and restrictions for your flight to India, you can travel confidently with the right amount of gold without any worries. If you have further queries, reach out to us by calling +1-585-910-2929 or joining our live chat. Our team will surely resolve your queries at the earliest possible. 

Need help booking your flight to India? MyTicketsToIndia is here at your service 24/7. We are a well-established flight-booking agency that deals in offering affordable flights from USA to India and back. Whether you choose to fly at the last minute or reserve flights in advance, we will always have several options readily available for you! 

About Renu Dahiya | View Posts

Renu Dahiya is a passionate writer who worships her profession. Her love for writing has encouraged her to pursue her career as a writer. Her friends call her a “travel worm” and always come to her to know some interesting traveling tips and destinations. Renu is a repository of knowledge about traveling who knows which place should be visited in which season. Oh yes, she is insanely in love with dancing too. Writer, traveler and dancer, a perfect combination! Without a doubt, she is a complete package.

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Customs Duty on Gold when Returning to India

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So, let’s assume you are an NRI who’s been staying abroad for a long time and have accumulated gold jewelry in purchases.

How can you bring your gold jewelry to India? Here are the options.

According to General Exemption No.162 of Indian Customs Rule,

In exercise of the powers conferred by sub-section (1) of section 25 of the Customs Act, 1962 (52 of 1962) and in supersession of the notification of the Government of India in the erstwhile Ministry of Finance (Department of Revenue) No. 171/94-Customs, dated the 30th September, 1994, published in the Gazette of India, vide number G.S.R. 733 (E), dated the 30th September, 1994, the Central Government, being satisfied that it is necessary in the public interest so to do, hereby exempts goods of the description specified in column (2) of the Table below and falling under Chapter 71 of the First Schedule to the Customs Tariff Act, 1975 (51 of 1975), when imported into India by an eligible passenger, from so much of the duty of customs leviable thereon which is specified in the said First Schedule, as is in excess of the amount calculated at the rate as specified in the corresponding entry in column (3) of the said Table and from the whole of the additional duty leviable thereon under section 3 of the said Customs Tariff Act.

1. Gold bars, other than tola bars, bearing manufacturer’s or refiner’s engraved serial number and weight expressed in metric units, and gold coins. – Rs. 300 per 10 gms.

2. Gold in any form other than at S.No.1 above, including tola bars and ornaments, but excluding ornaments, studded with stones or pearls. – Rs.750 per 10 gms .

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The exemption is subject to the following conditions, namely:-

(i) the duty shall be paid in convertible foreign currency; (ii) the quantity of gold imported in any form shall not exceed ten kilograms per eligible passenger; and (iii) the gold is either carried by the eligible passenger at the time of his arrival in India or is imported by him within fifteen days of his arrival in India.

How much jewelry can one bring through Indian airports?

A passenger residing abroad for more than one year, on return to India, shall be allowed clearance free of duty in his bona fide baggage of jewelry up to a weight, of twenty grams with a value cap of fifty thousand rupees if brought by a gentleman passenger, or forty grams with a value cap of one lakh rupees if brought by a lady passenger.

Source – Indian Customs Baggage Rules

What is the customs duty on imported Gold in India?

Customs import duty on Gold in India is at 12%.

India raised the import duty on gold or non-refined mined gold, to 11.85% from 9.35% and to 11% from 8.5% on silver on July 4th, 2019.

Source – Reuters

So, in summary,

• Maximum amount of Gold NRI/PIO/OCI can bring to India – 10 Kilograms. (Verified)
• Gold has to be declared and duty paid for all jewelry. (Verified)
• An eligible passenger male is allowed to bring duty-free jewelry worth up to Rs. 50,000 and female passenger up to Rs.1,00,000. (Verified)

You will have to declare the jewelry and show your documents proving eligibility, namely OCI, NRI, PIO status .

Source – Indian Customs Gold & Silver Import Rules

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5 thoughts on “Customs Duty on Gold when Returning to India”

We are NRIs since 21 years and recently travelled to India on holiday and my family (self, wife and daughter) were wearing 3 chains (10gms each) and 1 bracelet (20 gms), aggregate weight 50 gms, we were intercepted and the customs officer at mumbai levied a duty of Rs 80,000 stating that since we are coming within 1 year, duty at 44% is payable. We resisted but were threatened and intimated to pay. What is the recourse available to us?

I found this pdf on gov.in website and it doesn’t say that. So basically, you shouldn’t have been charged with duty. https://hcisingapore.gov.in/pdf/guide_travelers_to_india.pdf

“6. Who can bring Jewellery as baggage, free of duty? Ans. An Indian passenger who has been residing abroad for over one year is allowed to bring jewellery, free of duty in his bonafide baggage upto 20 grams with a value cap of Rs.50,000/- (in case of a gentleman passenger) or up to 40 grams with a value cap of Rs.1,00,000/- (in the case of a lady passenger).”

But the present Value of 20grms is More than Rs.50,000/-

i am in saudiarabia last 9 years working .,my vacation time i can take gold jewelry for my family 30 to 35 gram

Madam/sir am khunawala imran My cousin he travel Zambia to India Mumbai Custom officer said open ur bag when he open bag he find 30gm gold After officers asked about US1000 dollar it is possible like this kind of service and he did not give him any recipe

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How Much Gold Can I Wear While Traveling To India

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As someone who has traveled to India multiple times, I understand the importance of knowing how much gold to wear while traveling in the country. India is known for its love for gold and jewelry, but there are certain customs and regulations that must be followed to avoid any legal issues or safety concerns.

Firstly, it’s important to understand the Customs Regulations when entering India with gold. The government allows individuals to bring in up to 1 kg of gold without paying any duty fees as long as it is declared at the airport. However, if you exceed this limit, you will have to pay custom duties on the excess amount.

It’s crucial to declare your gold at customs upon arrival and keep all necessary documents on hand during your trip. In this article, we will explore further considerations when wearing gold while traveling in India.

Table of Contents

Understand the Customs Regulations

You’ll need to know the customs regulations in order to avoid any issues at the border when entering India. Common mistakes include bringing too much gold or other valuable items without declaring them. Legal requirements state that you can bring up to 1kg of gold into India duty-free, but anything over that amount will be subject to a tax.

It’s important to declare all valuable items when entering India, including jewelry and electronics, in order to avoid confiscation or fines. Additionally, it’s best to carry receipts for any expensive items you’re bringing with you. While it may seem like a hassle, following these regulations ensures a smooth entry into the country.

When traveling with valuable items such as gold, it’s also important to be mindful of safety concerns. Keep your valuables hidden and secure while on public transportation or walking in crowded areas. It’s best not to draw attention to yourself by wearing excessive amounts of jewelry or carrying large bags filled with valuables.

By being aware of both customs regulations and safety concerns, you can ensure a safe and enjoyable trip while traveling with gold in India.

Be Mindful of Safety Concerns

It’s crucial to keep in mind safety concerns when journeying to India. One of the most important things to consider is your valuables. While it may be tempting to wear all of your gold jewelry, it’s not always the safest option.

Thieves are known to target travelers, especially those who appear to have a lot of money or valuable items. To protect yourself and your belongings, it’s best to limit the amount of jewelry you wear while traveling in India. It’s also a good idea to invest in travel insurance before leaving home. This way, you’ll be covered if any of your valuables are lost or stolen during your trip.

In addition, make sure you have communication devices with you at all times. This includes a reliable phone and charger, as well as backup options like a portable battery pack or spare SIM card. Being able to stay connected can be critical in an emergency situation and can help ensure that you stay safe and secure throughout your travels in India.

When considering what jewelry to wear while traveling in India, think carefully about the occasion. Some events may call for more formal attire than others, so it’s important to dress appropriately for each situation.

By being mindful of safety concerns and dressing appropriately for each occasion, you can enjoy all that India has to offer without compromising on style or security.

Consider the Occasion

When dressing for events in India, it’s essential to consider the occasion and dress appropriately without compromising on style or safety. Choosing appropriate attire is crucial when visiting a foreign country.

India has a diverse culture that varies from region to region, so it’s important to dress accordingly while showing cultural sensitivity.

Traditional Wear: For formal events such as weddings or religious ceremonies, wearing traditional Indian attire is the most appropriate choice. Women can choose between sarees, salwar kameez, or lehenga choli while men can wear kurta pajama or sherwani.

Casual Wear: For casual occasions such as sightseeing or shopping trips, you can opt for comfortable western clothing like pants and shirts or dresses and skirts that cover your knees and shoulders. Avoid wearing revealing clothes since modesty is highly valued in Indian culture.

Footwear: Comfortable shoes are a must-have when traveling in India because of its uneven terrain and hot climate. Flip-flops, sandals, and sneakers are all acceptable options for both men and women.

In summary, choosing appropriate attire that shows cultural sensitivity is key when traveling to India. It’s best to err on the side of modesty by covering your shoulders and knees in public places where people gather if you’re unsure about what to wear. By dressing appropriately for each occasion, you’ll not only show respect towards the local customs but also feel confident while exploring this beautiful country with ease!

Follow Local Customs

To fully immerse yourself in the culture of India, make sure to follow local customs during your visit. Respecting traditions is a crucial aspect of cultural sensitivity when traveling to this beautiful country. As a foreigner, it’s important to understand that Indians hold their customs and traditions close to their hearts, and it’s considered respectful to embrace these beliefs.

One common custom in India is the practice of removing footwear before entering temples or someone’s home. It may seem like a small gesture, but it shows respect for their beliefs and helps keep the floors clean.

Another tradition is covering one’s head when visiting certain religious sites or attending ceremonies. This act shows reverence for the sacredness of these places.

As travelers, we have an opportunity to learn about and appreciate different cultures. By respecting Indian customs and traditions during our visit, we can show our appreciation for this vibrant country and its people.

Remember, when in doubt about proper etiquette, observing locals can provide valuable insights into how best to honor their way of life.

By following local customs in India, we can deepen our experience and create meaningful connections with the people we meet along our journey. But before embarking on your adventure, it’s essential to plan ahead for any potential cultural differences you may encounter during your stay.

When I travel, I always make sure to plan ahead. This means researching my destination thoroughly to learn about local customs, important landmarks, and potential dangers.

When packing for my trip, I take into consideration the climate and culture of the place I’m visiting, making sure to pack wisely so that I have everything I need without overpacking.

Additionally, preparing for emergencies is crucial in case anything unexpected happens while traveling. By taking these steps ahead of time, I feel confident and prepared for any situation that may arise during my travels.

Research Your Destination

Before I embark on any journey, it’s important for me to do my research and understand the customs and cultural norms of my destination. This is especially true when traveling to a country like India, where there are certain expectations around clothing and accessories.

In terms of gold jewelry, it’s important to note that Indians generally wear gold for special occasions such as weddings or religious ceremonies. Wearing too much gold during everyday activities may be seen as ostentatious or even disrespectful.

In addition to researching cultural sensitivity around jewelry, I also make sure to research other aspects of Indian culture such as food, language, and social etiquette. This helps me avoid any unintentional faux pas and allows me to fully immerse myself in the local culture.

With this knowledge in mind, I can pack wisely and confidently for my travels through India.

Pack Wisely

You can ensure a successful and comfortable trip to India by thoughtfully selecting the items you pack. Maximizing space is key when packing for any trip, but especially when traveling to India. To make the most of limited luggage space, consider packing versatile clothing pieces that can be mixed and matched. Additionally, invest in compression bags or packing cubes to help organize your belongings and minimize wasted space.

When it comes to jewelry, it’s important to pack wisely. Instead of bringing your entire collection with you, opt for a few statement pieces that can dress up multiple outfits. Consider investing in a small jewelry storage case to keep your valuables organized and secure during transit.

By being mindful of what you bring along on your trip, you’ll have more room for souvenirs and other treasures you may find along the way.

To prepare for emergencies during your travels, make sure to have proper travel insurance coverage in place before departing for India. This will provide peace of mind knowing that you’re covered should an unexpected event occur while abroad.

Prepare for Emergencies

Preparing for emergencies is absolutely crucial when traveling to India, so it’s essential to have proper travel insurance coverage in place. It’s important to note that medical care in India can be expensive, and without the right insurance, you could end up with a hefty bill.

Look for comprehensive travel insurance policies that include emergency medical expenses, repatriation (returning home due to illness or injury), and trip cancellation/interruption coverage. Aside from travel insurance, it’s also wise to pack a basic first aid kit containing essentials like band-aids, antiseptic wipes, pain relievers, and any prescription medications you may need.

It’s also a good idea to research local hospitals and clinics ahead of time so you know where to go if an emergency arises. By taking these steps towards emergency preparedness, you’ll be able to enjoy your travels more confidently knowing that you’re covered in case of unexpected situations.

As I prepare for my trip to India, I’m reminded of the importance of seeking advice from locals. While travel guides can offer some great insights into the culture and attractions of a destination, there’s no substitute for getting tips directly from people who live there.

In my next section on ‘seek advice from locals,’ I’ll share some strategies on how best to connect with locals while traveling.

Seek Advice from Locals

Speaking with locals can provide valuable insights on cultural customs and traditions, allowing for a more respectful and meaningful travel experience. When it comes to wearing gold in India, consulting experts is important as there are certain areas where it’s not safe to wear expensive jewelry. However, understanding the culture surrounding gold in India can also be helpful.

In India, gold holds significant cultural importance and is often seen as a symbol of wealth and status. Gold jewelry is commonly worn during special occasions such as weddings and festivals. However, it’s important to note that some areas may have a higher risk of theft or robbery. Speaking with locals or researching the specific region you plan on visiting can help you determine if wearing gold is appropriate.

Ultimately, seeking advice from locals when traveling to India can provide invaluable insight into the local customs and culture. This knowledge can help travelers make informed decisions about what they wear while exploring the country.

In addition to speaking with locals about cultural norms surrounding gold, it’s also important to be aware of potential scams related to buying or selling gold in India- which we’ll explore in the next section.

Be Aware of Scams

As a traveler, I’ve learned that being aware of scams is crucial to having a safe and enjoyable trip. Some common scams include pickpocketing, fake tours, and overcharging for goods.

To avoid falling victim to these scams, it’s important to research ahead of time and stay vigilant while on the go. And if you do happen to get scammed, don’t panic – there are steps you can take such as reporting the incident to authorities or your hotel.

Common Scams

You don’t want to get ripped off, so be on the lookout for some seriously shady scams that could leave you feeling like a fool.

One common scam in India is the ‘fake tourist office’ trick, where touts will approach you claiming to be from an official tourism agency and offer to help with your travel plans. They may even show you fake ID cards or brochures to make it seem more legitimate. However, they will try to sell you overpriced tours or tickets and then disappear with your money.

Another prevalent scam is the ‘jewelry switch,’ where someone will approach you claiming that they have found a valuable piece of jewelry on the ground and offer to sell it to you at a low price. They will show you authentic-looking gold or gemstones but then switch them out for fakes when they wrap up the purchase.

These are just a few examples of scams that can happen while traveling in India, but there are many more out there. It’s important to stay alert and avoid falling victim to these tricks by following some simple safety precautions.

To avoid getting scammed while traveling in India, there are several things I do: always research beforehand any places I plan on visiting; only use reputable transportation companies; never accept unsolicited offers of help from strangers; keep my valuables close at all times and never flash cash around in public areas.

By taking these steps, I’m able to travel freely without worrying about being taken advantage of by opportunistic scammers.

How to Avoid Scams

Don’t fall prey to scams while exploring India – follow these safety tips to avoid being taken advantage of.

First and foremost, be aware of your surroundings and stay vigilant at all times. Keep an eye out for potential scam artists who may try to approach you in crowded areas or tourist hotspots.

Always keep your valuables close to you, especially when walking through busy streets or markets.

Another tip is to never give out personal information or financial details to anyone you don’t know and trust. Scammers often use common tactics such as posing as police officers or officials, asking for donations or money transfers, or offering fake goods and services at inflated prices.

Be cautious when dealing with strangers and always ask for identification before handing over any sensitive information. By staying alert and informed about the common tactics used by scammers, you can minimize the risk of falling victim to their schemes.

If you do happen to get scammed during your travels in India, it’s important not to panic. Take note of any relevant details such as names, descriptions, locations, and contact numbers if possible.

Report the incident immediately to local authorities or your embassy/consulate so they can assist you with necessary actions such as filing a police report or canceling credit cards.

Remember that scams are unfortunately a part of travel experiences worldwide but by following these tips for identifying scam artists, you can reduce the likelihood of becoming their next victim.

What to Do If You’re Scammed

If you fall victim to a scam during your travels in India, here’s what you need to do.

The first step is to report the scam to the authorities immediately. This includes contacting the local police station and filing a report, as well as notifying your embassy or consulate if necessary. Be sure to provide as much information as possible, such as the location of the incident, description of the individuals involved and any evidence you may have.

The next step is to contact your bank or credit card company. If you’ve been scammed out of money, it’s important to cancel any credit cards that may have been compromised and change all passwords associated with your accounts. Keep all documentation related to the scam for future reference.

Remember that scams can happen anywhere in the world, so it’s always important to stay vigilant while traveling abroad.

Now that you know what steps to take if you’re scammed in India, it’s time to enjoy your trip! But remember that being aware of potential scams and staying cautious can help prevent these situations from happening in the first place. So go out there with confidence and be prepared for anything!

Enjoy Your Trip

Make the most out of your journey to India by having fun and experiencing all it has to offer. Try not to be too anxious about safety concerns or potential scams, but do take precautions and keep an eye on your belongings while you’re traveling. Don’t let fear hold you back from enjoying yourself.

One way to have a great time in India is by immersing yourself in the culture. There are so many unique experiences that you can have here that you won’t find anywhere else in the world. Whether it’s trying new foods, learning traditional dances, or visiting historic sites, there’s always something exciting happening in this vibrant country.

Finally, remember that travel essentials don’t just include things like sunscreen and bug spray – they also include an open mind and a willingness to embrace new experiences. So go ahead and enjoy your trip! Try something new every day, make some friends along the way, and create memories that will last a lifetime.

Frequently Asked Questions

What is the maximum amount of gold that can be brought into india.

When bringing gold into India, it’s important to be aware of the customs limit and duty fees. The current customs limit for gold brought into India is 1 kilogram per passenger. Any amount over that will be subject to duty fees.

It’s important to note that these fees can add up quickly and can be quite expensive. As someone who values my freedom to travel with my personal belongings, I make sure to always check the current customs regulations before traveling with any valuable items, including gold.

By doing so, I’m able to avoid any unnecessary fees or complications at customs and enjoy my travels with peace of mind.

Can I wear gold jewelry while visiting religious sites in India?

When visiting religious sites in India, it’s important to dress appropriately and show cultural sensitivity.

As someone who loves wearing gold jewelry, I understand the desire to showcase your personal style while traveling.

However, it’s important to remember that certain places of worship may have dress codes or restrictions on jewelry and accessories.

It’s always best to research ahead of time and be respectful of local customs and traditions.

By doing so, you can fully immerse yourself in the rich cultural experiences that India has to offer while still expressing your unique sense of fashion.

Is it safe to wear gold jewelry while traveling in India?

As someone who’s traveled to India and loves wearing gold jewelry, I can attest that it’s generally safe to wear your favorite pieces while exploring the country. However, it’s important to be aware of the risk of gold jewelry theft in certain areas.

Because gold holds significant cultural value in India, it’s not uncommon for people to wear it as a symbol of wealth and prosperity. Unfortunately, this also makes tourists with flashy jewelry potential targets for theft. To minimize this risk, I recommend being mindful of where you’re wearing your gold and avoiding wearing too much at once. Opt for simple pieces that won’t attract too much attention or consider leaving expensive pieces at home altogether.

Ultimately, while wearing gold in India can be a beautiful way to embrace local customs, it’s important to prioritize safety above all else.

Are there any specific customs or traditions related to wearing gold in India?

As someone who’s lived in India all my life, I can tell you that gold is an integral part of our culture. It holds immense significance in our wedding traditions and is considered a symbol of prosperity and good fortune.

It’s not uncommon for Indian brides to wear heavy gold jewelry sets on their big day.

Additionally, gold is often gifted during festivals and other special occasions as a sign of love and affection.

So, if you’re planning to wear gold while traveling to India, rest assured that it’s perfectly acceptable. Just be mindful of the amount you bring with you as excessive displays of wealth may attract unwanted attention.

Should I insure my gold jewelry before traveling to India?

As a frequent traveler to India, I’ve learned that insuring my gold jewelry is a smart decision. It not only gives me peace of mind while traveling, but it also provides numerous benefits.

Firstly, if anything were to happen to my jewelry during the trip, I would be covered financially. The cost effectiveness of insurance cannot be overstated- it’s much cheaper than replacing lost or stolen items out-of-pocket.

Additionally, wearing too much gold can attract unwanted attention and potentially put me in danger. Insuring my jewelry allows me to travel freely without worrying about the value of my belongings.

It’s important to remember that in today’s world, we need all the freedom we can get- whether that means traveling with confidence or simply enjoying life without stress.

Overall, wearing gold while traveling to India can be a tricky situation. It’s important to understand the customs regulations and be mindful of safety concerns.

However, it’s also important to consider the occasion and follow local customs in order to fully immerse yourself in the culture. Planning ahead and seeking advice from locals can also help ensure a smooth and enjoyable trip.

However, it’s crucial to be aware of scams that may target tourists with valuable jewelry. With proper precautions in place, you can safely wear gold while exploring all that India has to offer.

In conclusion, when it comes to how much gold you can wear while traveling to India, there is no one-size-fits-all answer. It ultimately depends on your personal preferences and the specific circumstances of your trip. So ask yourself: What kind of experience do I want to have in India? Do I want to fully embrace the culture or play it safe?

By answering these questions and taking appropriate measures, you can enjoy a memorable journey through this vibrant country.

Meet Scott Robinson, a seasoned traveler with 28 countries under his belt, has immersed himself in diverse cultures around the world. His articles are a window into the rich tapestry of traditions, customs, and local flavors he has encountered on his globetrotting escapades. Scott’s deep appreciation for the beauty of cultural diversity shines through his writing, allowing you to embark on a virtual journey that celebrates the vibrant mosaic of humanity.

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Customs Duty-Free Gold Carrying Limits to USA and India

Learn about the gold carrying limits and customs duty for gold between usa and india. find out how much gold you can bring without paying customs duty, with detailed calculations..

Key Takeaways:

• When traveling to the USA, there is no quantitative limit on carrying gold, but gold over $10,000 must be reported to customs.
• In India, residents can bring gold worth INR 50,000 for men and INR 100,000 for women without paying duty.
• Calculate customs duty by considering the current gold price, weight, and duty rate, and declare and pay duty on arrival in India.

Traveling with gold can be a cause of worry if you’re not well-versed with the customs regulations of the country you are entering. Whether you’re traveling to the USA or India, knowing the gold carrying limits and customs duty rules is crucial to ensuring a hassle-free journey. Let’s delve into the specifics of carrying gold into these countries and the calculations involved in determining how much you can carry without paying customs duty.

Understanding Gold Carrying Limits to the USA

When traveling to the United States, it’s important to know that there is no quantitative restriction on the amount of gold – whether in the form of jewelry or bullion – you can bring into the country. However, there are reporting requirements you must adhere to.

Here’s what you need to know:

• Reporting to Customs: If the value of the gold you carry is more than $10,000, it must be declared to the U.S. Customs and Border Protection (CBP). Failing to report may lead to its seizure and potential penalties.

Customs Duty: There’s a common misconception that carrying under this amount exempts you from paying customs duty. While that’s true for currency, it does not apply to gold. Gold is not a duty-free item, and its duty must be paid irrespective of the amount. The duty rate can vary depending on its form (bullion or jewelry) and purity.

Formal Entry: Large quantities of gold might require a formal entry, so it’s recommended to check with CBP or a customs broker before traveling.

For the most current information and to avoid any surprises at the border, refer to the official CBP website or reach out to them directly.

Carrying Gold into India – What You Need to Know

India has specific allowances and duty fees for gold carried into the country. Here are the key points:

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• For Residents of India: If you are a resident of India and have stayed abroad for over one year, you are allowed to bring gold jewelry without paying duty up to an aggregate value of INR 50,000 for men and INR 100,000 for women.

For Tourists: Non-resident Indians or tourists cannot benefit from this allowance.

Gold Above Allowance: If you carry gold in excess of these personal allowances, it will attract customs duty at a flat rate of 12.5%, along with applicable cess and surcharges.

Calculating Customs Duty: To calculate the duty you would need to pay, consider the current price of gold per gram, multiply it by the weight of the gold you’re carrying above the allowance, and apply the duty rate. For example, if a man is carrying gold worth of INR 150,000, the excess amount would be INR 100,000 (150,000 – 50,000). Assuming a 12.5% duty rate, plus a 10% social welfare surcharge on this, the calculation would be:

[ Customs Duty = Excess Amount * Duty Rate ] [ Customs Duty = 100,000 * 12.5% ]

Customs duty will be INR 12,500, and the social welfare surcharge at 10% of this duty will be INR 1250. The total payable would be INR 13,750.

Declaration and Payment : The amount has to be declared, and duty must be paid on arrival in India at the designated customs counter.

Understanding these intricacies clearly and staying updated via the official Indian Customs website can save you from unnecessary stress and expenditure.

Tips for Travelers Carrying Gold

Here are a few actionable tips to keep in mind when you plan to travel with gold to the USA or India:

• Always keep receipts or documentation that prove the value and ownership of your gold.

Know the current gold rates and calculation methods to estimate the customs duty you might need to pay.

Check for any updates in customs duty rates before your trip, as these can change.

When in doubt, consult with or use the services of a customs broker or professional.

Insure your gold, especially if it’s of significant value, to protect against potential loss during your travels.

To sum up, there’s a considerable difference in the gold carrying limits and customs duty rules when entering the USA compared to India. While the USA focuses more on reporting the amount, India emphasizes allowances and the corresponding duty on amounts exceeding these limits. It is crucial to understand these regulations to protect yourself from potential legal issues or fines.

Remember, traveling with gold is legal, but non-compliance with customs declarations and duty payments can turn the situation sour. Stay informed, be prepared, and enjoy the luster of your gold without the weight of worry.

Still Got Questions? Read Below to Know More

“do i need to declare inherited gold jewelry at u.s. customs if it’s under $10,000.

When entering the United States, you must declare items you are bringing into the country, whether they are gifts or inheritance. However, there is an exception for carrying currency or monetary instruments; you only need to report it if the value exceeds $10,000. Since gold jewelry is not considered a monetary instrument, the $10,000 limit does not directly apply to it.

Here is what you need to know about declaring inherited gold jewelry at U.S. customs:

“You must declare all items you acquired abroad and are carrying with you upon return to the United States.”

• Determine Value : Even though there’s no $10,000 limit like there is for currency, you need to determine the fair market value of your gold jewelry in U.S. dollars and declare any items that you are bringing into the U.S.

Exemptions and Duties : Depending on the value of the inherited jewelry, you might be subject to pay duty. Personal exemptions may apply, but these vary based on your residency status and the countries you have visited.

Lastly, it’s important to provide accurate information to customs officers and fill out the necessary forms, such as the Customs Declaration form (CBP Form 6059B). You can find more detailed information and all the official guidelines on the U.S. Customs and Border Protection website: CBP – Declare all articles .

Remember, cooperation with customs officials and transparency about what you’re bringing into the country will make your entry process much smoother. If in doubt, declare it.

“Can I bring gold coins as gifts for family into the U.S. and do the same rules apply?

Yes, you can bring gold coins into the U.S. as gifts for your family, but there are rules and regulations you must follow. When traveling with valuables such as gold coins, it’s essential to consider both customs regulations and the declaration process.

Here are the key points to keep in mind when bringing gold coins into the U.S.:

• Declaration : You need to declare any gold coins you are bringing into the United States to U.S. Customs and Border Protection (CBP). If the total value of the coins exceeds $10,000 USD, you must file a FinCEN 105 form. This form is used to declare transporting more than $10,000 in monetary instruments into or out of the United States.

No Taxes or Duty : Generally, there are no taxes or duty to pay on gold coins. As CBP states, “Monetary instruments such as, but not limited to, stocks, bonds, bank drafts, checks, and traveler’s checks are not subject to duty.” Gold coins would similarly not be subject to duty.

Authenticity and Provenance : Ensure the gold coins are properly documented with proof of purchase or ownership and that they are not derived from illegal activities. The authenticity of the coins should be verifiable to avoid issues at customs.

Remember, while the value of the gift may not be subject to duty, the CBP still needs accurate information regarding what you’re bringing into the country. Keep receipts or any documentation that can establish the value and legitimacy of the gold coins. For more detailed information, you may refer directly to the official CBP guidelines on their website: U.S. Customs and Border Protection – Monetary Instruments .

When in doubt, it’s always best to consult with the CBP or an immigration expert before your travel to ensure you’re in compliance with all regulations and avoid any potential issues at the border.

“How do I insure my gold ornaments before flying to India, and what’s covered?

When you’re planning to fly to India with gold ornaments, it’s important to ensure they are insured for peace of mind and financial security. To insure your gold jewelry, you should:

• Contact your current home insurance provider: They may offer a personal articles policy or a rider that can be added to your existing policy to cover valuable items like gold jewelry.

Consider specialized jewelry insurers: Companies like Jewelers Mutual (https://www.jewelersmutual.com/) offer insurance specifically for jewelry, which may provide more comprehensive coverage for your gold ornaments during international travel .

The coverage typically includes protection against loss, theft, damage, or mysterious disappearance. It’s important to read the policy details or speak directly with the insurance provider to understand what’s covered. Here’s what you typically need to do:

• Get a professional appraisal of your gold ornaments. This valuation will determine the insurance coverage amount.
• Document each item with photos and detailed descriptions. Keep receipts or proof of ownership.
• Review the policy’s geographic coverage to ensure it includes international travel, specifically to India.

Regarding what’s covered, most jewelry insurance policies will include:

• Theft: If your gold ornaments are stolen, you’ll be compensated up to the coverage limit.
• Loss: If you lose your jewelry, the policy can cover its value.
• Damage: Should your gold ornaments suffer damage while traveling, repairs or replacements are typically covered by the policy.

Remember to report any loss or theft to the local authorities as soon as possible, as a police report may be required when filing an insurance claim. Before leaving, familiarize yourself with the Indian customs regulations regarding bringing gold into the country by visiting the official website of the Indian Customs Department (https://www.cbic.gov.in/). This will ensure you comply with import duties and declarations.

“If I’m moving back to India after studying abroad, how do I prove I’ve been away for a year for the gold allowance?

If you’re moving back to India after studying abroad and want to take advantage of the gold allowance, you’ll need to show proof that you’ve been living outside of India for at least one year. Here are steps you should follow:

• Keep your passport handy, which will show your immigration stamps, proving your entry and exit dates from India and the country you studied in.
• Retain your boarding passes and air tickets as additional evidence of your travels.
• Have documents that show where you were living while studying abroad, like a rental agreement or utility bills.
• You may also need to provide proof of your enrollment in an educational institution, such as an admission letter, student ID, or transcripts.
• “20 grams, subject to maximum value of Rs. 50,000/-, in the case of a male passenger”
• “40 grams, subject to maximum value of Rs. 100,000/-, in the case of a female passenger”

Make sure to fill out the customs declaration form accurately and disclose the gold you’re carrying, adhering to the specified weight and value limits. For more detailed information and to ensure that you are following the latest customs regulations, you can visit the official website of the Central Board of Indirect Taxes & Customs at cbic.gov.in .

Remember that customs rules can change, so it’s always a good practice to check the latest guidelines before you travel. Proper documentation and following the declaration process are key to availing of the gold allowance without any hassles.

“Are there any special customs rules for carrying gold if I have a layover in another country before reaching the USA?

Yes, there are special customs rules for carrying gold if you have a layover in another country before reaching the USA. Here’s what you need to know:

• Transit Country Rules : Each country has its own regulations regarding the import and export of gold and other valuables. When you have a layover, you’re essentially entering that country temporarily. Therefore, you must adhere to their customs regulations. It’s important to check the specific rules of the transit country by visiting their official customs website or contacting their embassy. For example, if your layover is in the UAE, you’re required to declare gold exceeding a certain weight at customs. Failure to comply can result in penalties.

USA Customs Regulations : Upon arrival in the USA, you are required to declare items of value, including gold. According to the U.S. Customs and Border Protection (CBP), travelers must report if they are carrying currency or monetary instruments over $10,000. Although gold isn’t considered a monetary instrument like cash or traveler’s checks, it still needs to be declared if it’s over a certain amount or value.

“You must declare all items you purchased and are carrying with you upon return to the United States, including gifts for other people as well as items you bought for yourself. This includes duty-free purchases made in foreign countries as well as any merchandise you intend to sell or use in your business.”

You can find more information regarding customs declaration upon entering the U.S. on the CBP’s official website: Traveler’s Checklist .

Documentation and Valuation : Make sure to carry proper documentation, such as purchase invoices or ownership papers, for the gold you’re transporting. It’s also crucial to know the current market value of the gold, as this information may be needed for customs purposes. Keep this documentation easily accessible throughout your journey, including at layover points.

Following these guidelines and being forthcoming with customs officials will make your transit through other countries and entry into the USA smoother and hassle-free.

Learn Today:

Glossary or Definitions:

• Customs Regulations : Rules and restrictions set by the government regarding the import and export of goods, including specific requirements related to immigration and international travel.

Gold Carrying Limits : The maximum quantity or value of gold that an individual is legally allowed to bring into a country without incurring additional requirements or fees.

Customs Duty : A tax or fee imposed by the government on goods being imported or exported. It is typically calculated as a percentage of the value of the goods.

U.S. Customs and Border Protection (CBP) : The federal agency responsible for enforcing customs regulations and facilitating the movement of people and goods across the U.S. border.

Reporting Requirement : A legal obligation to provide information or notify the authorities about certain activities or goods, such as declaring the value of gold being carried into a country.

Seizure : The act of confiscating or taking possession of something, such as gold, by the government or law enforcement authorities due to the violation of customs or legal regulations.

Penalties : Punishments or fines imposed for non-compliance with customs regulations, which may include financial consequences or legal consequences.

Bullion : Gold or other precious metals in the form of bars, ingots, or coins that are valued based on their weight and purity.

Jewelry : Personal adornments made of gold or other precious metals and set with gemstones, often worn for aesthetic purposes.

Formal Entry : The process of providing detailed information and documentation to customs authorities when bringing goods, such as large quantities of gold, into a country.

Resident : A person who permanently lives in a particular country and is considered a legal resident, typically holding citizenship or a long-term visa.

Aggregate Value : The combined or total value of multiple items or quantities being considered as a single unit. In the context of gold carried by residents of India, it refers to the total value of gold jewelry being brought into the country.

Non-resident Indian : An Indian citizen who is residing or staying temporarily outside of India.

Cess : An additional tax or levy imposed by the government on certain goods or services, such as gold, in addition to the customs duty.

Surcharges : Extra fees or charges added to a base amount, often used to fund specific programs or initiatives. In the case of gold carried into India, a social welfare surcharge may be applied on top of the customs duty.

Customs Counter : A designated area or location at the point of entry into a country where travelers are required to declare goods and pay any applicable duties or fees.

Documentation : Records, receipts, or paperwork that provide proof of ownership, value, or other relevant information about goods being carried, such as receipts for gold purchases or certificates of authenticity.

Customs Broker : A licensed professional who specializes in customs regulations and procedures, providing assistance and advice to individuals or businesses involved in international trade or travel.

Legal Issues : Matters or problems that arise due to non-compliance with immigration or customs regulations, which may involve legal consequences or actions.

Fines : Monetary penalties imposed as punishment for violations of immigration or customs regulations, intended to deter non-compliance and ensure compliance with the law.

And there you have it, folks! Understanding the gold carrying limits and customs duty rules for the USA and India is key to a smooth travel experience. Remember to declare your gold if its value exceeds $10,000 when entering the US, while in India, make sure you stay within the personal allowances to avoid hefty duty fees. For more expert tips and information on gold travel regulations, head over to visaverge.com. Happy travels!

This Article in a Nutshell:

Traveling with gold? Learn the rules! In the USA, there’s no limit, but values over $10k must be declared. Gold isn’t duty-free, regardless of amount. In India, residents can bring jewelry worth INR 50k (men) or 100k (women) without duty. Above limits mean 12.5% duty + surcharges. Stay informed, happy travels!

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Navigating the World

How much gold can you carry on flight to India?

How much gold can I carry to India without custom duty?

Carrying gold to India on a flight can be both an exciting and important matter, especially considering India’s deep cultural and economic affinity for the precious metal. However, it’s crucial to be well-informed about the regulations to avoid any complications during your journey .

• 1 For Residents of India
• 2 For Non-Residents or Persons of Indian Origin (PIOs)
• 3 Gold in Bullion Form (Gold Bars and Coins)
• 4 Declaration and Documentation
• 5 Customs Duty on Excess Gold
• 6 Preparing for Travel with Gold Jewelry
• 7 Check Latest Regulations
• 8 Frequently Asked Questions

Gold, with its immense value, is deeply embedded in India’s cultural and traditional fabric. It’s not just a symbol of prestige; it’s also a favored investment, given its tendency to appreciate in value. Yet, when it comes to traveling to India, many passengers tend to overlook the specific allowances and restrictions related to carrying gold. This oversight often leads to the unfortunate confiscation of gold at airports, a scenario that can be easily avoided with a bit more awareness and preparation.

The amount of gold you can carry to India depends on a few factors, including your status as a resident or non-resident of India and whether the gold is in bullion form or jewelry.

Guidelines for Gold Transport into India | Regulations by Indian Customs In India, the primary concern of customs officers is to curb illegal gold imports. Generally, Non-Resident Indians (NRIs), US citizens or European Residents visiting for short periods with a modest amount of jewelry for personal use don’t face stringent scrutiny. Problems with customs usually occur when someone carries large quantities of solid gold or an excessive number of jewelry items, such as 25 gold bracelets, which exceeds what is typically regarded as personal use. Therefore, it’s advisable to keep your gold possessions within reasonable limits to prevent any suspicions and avoid unwarranted inspections by customs officials.

For Residents of India

If you’re a resident of India returning from a trip abroad, you’re allowed to bring gold jewelry as part of your baggage allowance. The weight limit for men is 20 grams with a value cap of INR 50,000, while for women, it’s 40 grams with a value cap of INR 100,000. This is a significant aspect, reflecting the traditional role of gold in Indian culture, especially among women.

For Non-Residents or Persons of Indian Origin (PIOs)

Non-residents and PIOs can bring gold into India, but the rules are different. There’s no specific weight limit for them, but the gold they bring must be declared at customs and the applicable customs duty must be paid. As of my last update in April 2023, the duty was approximately 10% of the current value of the gold, but this rate can change, so it’s wise to check the latest rates before you travel.

Eligibility Criteria for Gold Allowances To be eligible for these allowances, you must have resided outside of India for more than a year. These conditions are equally applicable to children who fulfill this residency criterion

Keep in mind that the exemption from duty is valid only for gold jewelry. This does not extend to gold in other forms such as coins, bars, or biscuits.

Gold in Bullion Form (Gold Bars and Coins)

Carrying gold in bullion form (bars or coins) has stricter regulations. Irrespective of your residency status, you must declare it and pay the customs duty . The Indian government often adjusts these rules, so it’s crucial to have the most current information.

Declaration and Documentation

Always declare any gold you’re carrying beyond the duty-free allowance. You might need to provide documentation like purchase receipts or bank statements to prove the source of the gold, especially for larger amounts.

Cultural Insight Gold is not just a commodity in India; it’s an integral part of various traditions and ceremonies. This deep-rooted cultural connection makes it a popular item for travelers to bring into the country, particularly during festive seasons or for special occasions like weddings.

Customs Duty on Excess Gold

When the quantity of gold ornaments surpasses the permissible limits, the following custom duties apply:

• For gold bars and coins, there is a customs duty of 10% ad valorem plus a 3% cess.
• For gold bars and jewelry, the customs duty is set at 12.5% ad valorem plus a 2.5% cess.
• If your travel abroad was less than a year, the customs duty is fixed at 13.75%.
• For travel durations of less than six months, the customs duty escalates to 38.5%.

Helpful Hint : To benefit from a reduced duty rate, consider carrying foreign currency or U.S. Dollars. Paying the customs duty in Indian Rupees typically incurs the standard rate of 15.00%.

Preparing for Travel with Gold Jewelry

To ensure a hassle-free trip, it’s prudent to have your jewelry appraised and carry along receipts and photographs for easy identification. If you intend to take the jewelry back out of India upon departure, having these appraisals is vital for documentation purposes. Should your jewelry be originally purchased in India, be prepared to present proof of this to customs officials. In instances where your items are not identifiable or lack documentation, customs may temporarily retain them, issuing a receipt for the same. This allows you to reclaim your jewelry upon exiting India

Duty Regulations for Diamonds and Gemstone Jewelry Jewelry that incorporates diamonds or other precious stones is not eligible for a duty-free allowance. In such cases, you will be required to pay duty based on the amount of jewelry you carry. It’s important to note that the duty-free allowance is strictly limited to pure gold jewelry, in accordance with Indian customs rules.

Gold Jewelry Limit for Each Traveler A traveler is allowed to bring up to 1 kilogram of gold jewelry, provided they have lived abroad for a year or longer. However, it’s key to understand that even if you are prepared to pay the customs duty, Indian customs regulations prohibit the import of more than 1 kilogram of gold jewelry per person.

Transporting Gold Coins or Bars to India If you are planning to transport gold coins or bars to India, you can do so as long as they weigh under 1 kilogram, upon paying the necessary customs duty taxes. This provision is specifically for Indian citizens who are traveling with a valid passport issued by the Indian government.

Check Latest Regulations

Regulations can change, so it’s always best to check the most current rules with the Indian customs authority or the Indian embassy in your country before you travel. This ensures you’re up to date with any changes that might have occurred since my last update.

You can carry gold jewelry in your hand luggage or checked baggage.

Gold bars and coins must be carried in checked baggage only.

You must be able to provide documentation to support your claim of residency and the duration of your stay abroad.

To get the most accurate and up-to-date information, I recommend checking with the Customs Department of India or consulting the official website of the Customs Department. Always adhere to the latest regulations to avoid any complications during your travel.

Remember, adhering to these guidelines is crucial to ensure a smooth and hassle-free journey to India, especially when carrying something as precious as gold. It’s not just about following the rules; it’s about respecting the cultural and economic significance of gold in India. Enjoy your travel and the unique experience of bringing a piece of treasure to a land that treasures it!

Frequently Asked Questions

How much gold you can carry to india.

How much gold can I wear to India without duty?

In simpler terms, male passengers are allowed to carry gold up to a value of INR 50,000, while female passengers can carry gold valued up to INR 1,00,000. This limit is set based on the fluctuating price of gold, which affects the allowable weight that can be carried.

Is Gold Cheaper in Dubai Than in India?

Gold is often considered cheaper in Dubai compared to India, primarily due to lower taxes and import duties. In Dubai, gold is subject to a 5% Value Added Tax (VAT), but tourists can claim a refund for this VAT upon leaving the country, making it effectively tax-free. In contrast, India imposes a higher tax and import duty on gold, contributing to its higher prices. Additionally, the cost of labor for gold jewelry in Dubai is generally lower, further reducing the overall price. These factors, combined with the high purity of gold available in Dubai, make it a preferred destination for buying gold .

What are the Duty-free Gold Carrying Limits For Childrens Flying to India?

The customs duty exemption for children under the age of 15 traveling to India from abroad is more lenient compared to the limits for adult passengers. Children are allowed to bring in gold ornaments and bars up to a weight of 40 grams without incurring any customs charges.

How much gold can I carry from India without duty?

When taking gold from India to another country, there isn’t a specified limit set by Indian customs for the amount you can carry. However, the crucial factor is the import regulations of the destination country. Each country has its own rules for importing gold, including duty-free allowances and requirements for declaring it. Generally, gold jewelry is often considered personal belongings and may be subject to more lenient rules compared to gold in other forms, like bullion or coins. It’s always advisable to have relevant documentation and check the latest regulations of the country you’re traveling to.

How much gold I can carry to India?

When traveling to India, the amount of gold you can bring depends on your residency status and the form of gold. Indian residents who have lived abroad for over a year can bring gold jewelry up to 20 grams for men and 40 grams for women, within a value limit. Non-residents can bring in more, but they must declare it and pay customs duty, typically around 10%. Gold in bullion form (bars, coins) always requires declaration and duty payment, regardless of residency. It’s essential to check the latest customs regulations as these can change periodically.

Central Board of Indirect Taxes and Customs (CBIC)

Justin, a renowned travel writer, captivates with tales from his global adventures. Armed with a knack for journalism, he's renowned for revealing hidden treasures and sharing useful travel advice. His dedication to sustainable travel motivates readers to explore the world with mindfulness.

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Indian Customs Duty Free Allowance And Rules (2023 Guide)

The NRI Guides Team regularly reviews this article to ensure the content is up-to-date and accurate. The last editorial review and update were on 20 October 2023.

Indian citizens who are staying abroad on a visa or foreign citizens of Indian origin are entitled to certain duty-free allowances while travelling to India.

Similarly, foreign citizens who stay in India or travel to India as tourists are also entitled to certain duty-free allowances.

However, duty-free baggage allowance rules may vary based on the country of residence, duration of stay abroad, duration of stay in India, and a few other factors.

This article explains the Indian Customs Duty Free Allowance for Indian citizens, NRI, foreign citizens residing in India as well as foreign tourists.

Table of Contents

Indian customs duty free allowance.

Used personal effects travel souvenirs and articles other than those mentioned in Annexure I, up to the value of Rs. 50,000 if these are carried on the person or in the accompanied baggage of the passenger.

The duty-free allowance for travellers to India can be summarised as below:

In addition to the above allowance, used personal effects and travel souvenirs can also be brought. However, they should not include the below items:

• Cartridges of firearms exceeding 50
• Cigarettes exceeding 100 sticks or cigars exceeding 25 or tobacco exceeding 125 gms
• Alcoholic liquor or wines or beers in excess of two litres
• Gold or silver in any form other than ornaments
• LCD/LED/Plasma television (flat screen) of any screen size

Important Points To Note

• Only used personal effects shall be allowed duty-free for infants .
• The free allowance of a passenger under this rule shall not be allowed to be pooled with the free allowance of any other passenger.

Under the rules, goods that are not restricted or prohibited may only be imported for bona fide personal use and not for commercial purposes.

Over and above the free allowances, the goods will be charged a duty of 35% + 3.5% surcharge, which works out to be 38.5% . Whenever an item’s value exceeds the free allowance, only the excess of the allowance will be liable for duty.

Difference Between Residents and Tourists

A resident is a person holding a valid passport issued under the Passports Act of 1967 and normally residing in India.

A tourist means a passenger who is not normally a resident in India; but who enters India for a stay of not more than six months in the course of any twelve-month period for legitimate non-immigrant purposes.

Below are the items that are restricted in nature with their maximum allowable values :

• Indian Customs Rules For Gold

An Indian passenger who has been residing abroad for over one year is allowed to bring jewellery, free of duty in his bonafide baggage up to an aggregate weight of :

• 20 grams subject to a maximum value of Rs 50,000 in the case of male passenger*
• 40 grams subject to a maximum value of Rs 100,000 in the case of female passenger*

NOTE:  Gold or silver in any form, other than ornaments – such as coins, biscuits etc – are not entitled to allowances.

Customs Duty on Gold

Concessional rate of duty @ 12.5% + Social Welfare Surcharge @ 1.25% is applicable for gold to Indian Passport holders and persons of Indian origin if the stay abroad is for more than 6 months . Short visits up to a total of 30 days during the six months shall be ignored.

In cases other than those mentioned above, the normal rate of Customs Duty @ 38.5% will be charged. However, the weight of gold (including ornaments) should not exceed 1 kilogram per person.

Here is our complete guide to customs duty on gold .

Indian Customs Rules For Electronic Items

Most electronic items can be included under the duty-free allowance of Rs 50,000. However, there are certain items (like LCD/LED/ Plasma Televisions) that cannot be included under this allowance. Read our detailed guide on Indian Customs Rules For Electronic Items .

Indian Customs Duty on TV

• Flat Panel (LCD/LED/Plasma) Television is NOT included under the duty-free allowance .
• All Flat Panel TVs are subject to customs duty, irrespective of their screen size (since 2013).
• Customs Duty is calculated @ 35% + surcharge of 3.5% ( effective rate is 38.5% ).

Customs officials charge the duty based on the assessed value. The assessed value is determined by the model, year of make, and condition of the TV. There is also an internal database with the prices of popular models.

You can read our detailed guide to Customs Duty on Televisions and use the duty calculator here .

Indian Customs Rules For Bringing Mobile Phones

There is no special allowance for bringing mobile phones to India. Normally Customs Officers do not mind if you are carrying one used mobile phone for your personal use. If you are carrying extra mobile phones in your baggage, they may be considered under the Rs 50,000 duty-free allowance.

However, some expensive mobile phones like iPhones will not be covered under this allowance due to their high cost. In such cases, you may be asked to pay the duty on excess value.

Customs Duty For Bringing Laptop To India

Any passenger above the age of 18 years can import one laptop computer (notebook computer) over and above the free allowance mentioned above.

Customs Regulations For Bringing Drones To India

The Indian government has banned the import of drones on 9 February 2022, except for use in research, military, and security purposes.

According to the order by the Directorate General of Foreign Trade (DGFT), the import of drones that are completely built-up, semi-knocked-down or completely knocked-down form is now prohibited.

Indian Customs Alcohol Allowance

Following quantities of Alcoholic drinks and Tobacco products may be included for import within the duty-free allowances admissible to various categories of incoming passengers:

The rate of duty applicable on these products over and above the above-mentioned free allowance is as under :

• Cigarettes BCD @ 30% + social welfare surcharge @ 3%+ CVD+NCCD+IGST (as applicable)
• All alcoholic beverages other than beer and inclusive of wine BCD @ 150%
• Beer BCD @ 100% + Social Welfare Surcharge 10%

NOTE: The imported goods should have a proper pictorial warning on them as prescribed by Cigarettes and Tobacco Products Packaging and Labelling Rules, issued by the Ministry of Health and Family Welfare.

Here is our detailed guide on Indian Customs Alcohol Allowance and Duty .

Indian Customs Cash Limit

Foreign currency.

Any person can bring with them into India foreign exchange without any limit . However, a declaration of foreign exchange/currency is required to be made in the prescribed Currency Declaration Form in the following cases:

• Where the value of foreign currency notes exceeds US$ 5,000 or equivalent.
• Where the aggregate value of foreign exchange including currency exceeds US$ 10,000 or equivalent.

Indian Currency

Import of Indian currency is prohibited. However, in the case of passengers, who are residents of India and are returning from a visit abroad, Indian currency up to Rs. 25,000 is allowed. Here is our guide on how much currency you can carry to India .

Allowances for Transfer of Residence

Following are the entitlements of a passenger who is transferring residence to India:

These allowances are subject to fulfilment of conditions and are only available on specific items. For further details, please check customs rules for NRI regarding the transfer of residence to India .

Indian Customs Baggage Rules

Difference between green channel and red channel at indian airports.

Passengers entering India must pass through the Customs checkpoint after first being cleared by an Immigration Officer and receiving their baggage from the conveyor belts. They can pass through either Green Channel or Red Channel depending upon the baggage they are carrying.

• Green Channels are designated for passengers who do not have dutiable goods to declare.
• Red Channels are designated for passengers who must declare dutiable goods.

So if you are a passenger who is carrying goods in excess of the above allowance, you are liable to pass through the Red Channel. If passengers choose the Green Channel with dutiable/prohibited goods, they may be prosecuted and their goods may be seized.

Please note that ignorance of the law is not a valid reason for wavering of penalty.

Indian Airport Customs Declaration Form

If passengers have prohibited or dutiable goods in their possession or goods in excess of their Duty-Free allowance, they must complete the Indian Customs Declaration Form and check the boxes to verify that the goods are not prohibited or dutiable.

Additionally, passengers can use the ATITHI mobile app to declare Indian customs any dutiable items and cash even before boarding the flight to India.

Only passengers who are carrying dutiable or prohibited goods are required to fill out a Customs Declaration Form or use the ATITHI mobile app to file a declaration of dutiable items as well as currency with Indian Customs.

Frequently Asked Questions

How much liquor is allowed on international flights to india.

International passengers are allowed to take up to 2 litres of Alcoholic Liquors, Wines or Beer without paying any Customs duty.

How many phones can I carry to India?

Normally you are allowed to carry one mobile phone for your personal use and any other phone may be included under the Rs 50,000 duty-free allowance.

How much electronics can I take to India from abroad?

You can carry articles up to the value of Rs 50,000 as a duty-free allowance. However, LCD/LED TV cannot be included in this.

Related Articles:

• Indian Airport Customs Duty On LCD/LED TV
• How Much Cash Can You Carry on Flights To India
• Indian Customs Declaration Form

Copyright © NRIGuides.com – Unauthorized reproduction of this article in any language is prohibited. The information provided on this website is intended for general guidance and informational purposes only. It should not be considered a substitute for professional advice, and travellers are encouraged to verify visa requirements and travel advisories through official government sources before making any travel arrangements.

Reference: Central Board of Indirect Taxes & Customs , Baggage Rules 2016

Aneesh, the Founder & Editor of DG Pixels, holds a Master’s Degree in Communication & Journalism, and has two decades of experience living in the Middle East. Since 2014, he and his team have been sharing helpful content on travel, visa rules, and expatriate affairs.

609 thoughts on “Indian Customs Duty Free Allowance And Rules (2023 Guide)”

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I want to take a foot massager which cost approx, 10K (INR). will I need to pay any tax at india airport. i am flying from Dubai. i am residen of india.

Hi I am travelling to india for few months. I will bring a small projector , a screen and Playstation 5 with me . Everything is 1-2 years old. Do i have to pay any duty for that. And a personal laptop as well

Hi, I want to purchase a car roof top tent which at discount sales is costing me AUD 599 only. On conversion it comes to about Rs 32400. Will I have to pay any custom duty if I import it as unaccompanied baggage.

Thank you for the education . Now i am clear whether to go in green or red.

Hi Kasi Viswanathan, Thanks for the comment!

I am comming from UK to chennai, I’m carrying an old iphone 11 pro max and 2 low end samsung mobiles combined value less than 50,000. is it allowed to carry those 3 mobiles (all three are low end mobiles)

Hi, flying into Delhi on 06/09/2023. I will have two mobile phones (one will not work in India) total value £75 sterling. A personal laptop valued at £600 sterling, a tablet (a back up in case my laptop is stolen or breaks) valued at £149 sterling. I will also be bringing gifts to the value of around £175 sterling. Will I have to pay customer duty on any of the above?. I am also bringing in medication for the duration of my trip, will I need to provide any documentation or declare them when I enter India?.

Sir, My laggage includes only clothes and shampoo,milk powder etc..bt my custom duty bill shows 8000rs to pay.could you please help me to find out the reason why i have to get this big amount

Respected sir, My name is syed, my friend is an oci passport at malaysia he want to come india and he have some gold jewellery item how much will take to india. Please guide to us.

How many pair of shoes I can bring from America to India?

If I am transiting India, no purpose of visitin India, Any change of the above rules?

if i buy a bottle of wine at airport , do i need to ask the duty free shop staff putting the wine into a seal bag for direct flight to india, is it a must?

Can I buy more than two or tree Cabelo Hair from India ?

I am a resident Indian and travelling in UK in tourist visa and will return after 3/4 months. Will bring a projector ( cost about Rs 8,000) for personal/home use. Whether I have to pay any custom duty in Indian airports?

How much honey we can take to India?

I am a resident Indian travelling to Canada & would like to carry gold chains as gifts for my sister & 4 nieces there. Is it permissible

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Gold Allowances And Restrictions You Must Know Before You Fly To India

• Posted on February, 8, 2020

Gold is a valuable metal that holds a substantial worth in every country. This precious metal symbolizes royalty and prestige in India and holds significant value in our traditions. Gold is also an excellent commodity for investment because of the continually increasing prices of this metal.

A dozen times, you must have heard that the seizing of gold at airports is quite common since passengers neglect the gold allowances and restrictions while flying to India.

Therefore, we have come up with an in-depth guide to let you know about everything related to gold allowances and restrictions to India.

Conditions to Follow for Carrying Gold

When you fly on flights from USA to India or from any other country, there are numerous rules for gold allowances and restrictions:

• A passenger’s gold must weigh less than ten kilograms, including the ornaments.
• The limit for silver is a hundred kilograms per passenger.
• There are no restrictions on the sale of Gold in India.
• You need to pay the duty on this in convertible foreign currency.

Custom Duty on Gold

The rate of customs duty on gold Coins or Gold Bars is USD 4.21 per 10 gm and for any other form is USD 10.53 per 10 gm. Further, you will also have to pay an additional three percent educational cess. If you are a women passenger on a flight to India, you can carry gold jewelry worth USD 1403.62 to India. However, for men, this limit is USD 701.81. There is a condition behind this allowance that there must be six months difference between your visit to India. 

Carrying Gold Coins or Bars

While flying to India, you can carry more gold in coins and bars. However, you must have a valid and comprehensive declaration document with you. You don’t need to worry as the authorities at the airport won’t seize your stuff without any proper reason. Although, you need to pay customs duty on these coins and bars, which is 36.05%. You need to keep in mind some additional conditions associated with gold bars while flying to India.

• Suppose you are bringing gold bars to India. Mention details like the weight of the coin or bar, serial number, and its manufacturer’s name.
• The tax you pay will depend on the weight of gold bars you are carrying.
• After declaring your gold in India, you need to pay some tax again at the airport.

Walking in the Airport

When you land at any airport in the country, you must know to walk through the right channel. The green channel is the correct one for those carrying custom duty-free Gold. Walking through a red channel is an invitation of unnecessary attention towards you.

Declaration of Gold

After reaching India, you need to declare your gold and pay the required tax if you don’t wish to get into trouble. Also, it would help if you stay updated about all the latest gold allowances and restrictions.

Some Additional Tips

When looking for airline tickets & flight deals to India , you must know these tips about carrying gold.

• Avoid wearing too much jewelry when carrying gold with you since it will catch everyone’s attention.
• Never make the mistake of trying to hide any of your gold to prevent paying custom duty.
• Do not forget about the declaration of your gold. It is a crucial legal process.  
• Keep the entire paperwork handy if you are exceeding the limit.
• Also, you have to fill out a formal declaration form.

Now you know all the gold allowance and restrictions while flying to India. You can now confidently pay a visit to India with the right amount of gold without getting into any trouble. If you are looking for fun-filled and affordable holiday packages to India , then get in touch with our team at Tripbeam. Tripbeam has tons of offers in-store, including flights at the cheapest rates to make traveling smooth and budget-friendly for you.

Also Read: Traveling From the USA to India With Gadgets

How to Travel to USA/India with Gold Jewelry and Other Gold Items without Paying Customs Duty?

Gold is next to God for Indians, no matter where they are. Most Indians immigrating to the United States do carry their gold items, such as wedding jewelry, inherited ornaments, coins, etc . They travel back to India with the same for personal use at family functions or gifting to dear ones. Understandably, international transportation of this precious yellow metal in any form is subject to several regulations and restrictions. Hence, travelers end up searching the web for answers to questions: “How much gold can you carry from USA to India”, “What is the maximum amount of gold you can take to USA from India without paying taxes”, “What is India’s duty-free gold allowance”, “Do you need to declare gold to the airport officials” and likes.

To begin with, there is no limit to the amount of gold jewelry you can bring into the USA. However, anything over $10k in value (currency or gold coins) requires a FinCen105 form (Report of International Transportation of Currency or Monetary Instruments) to be filed with the US Customs and Border Protection. It must be noted that gold jewelry, gold bars, bullions and other articles of precious metals are not categorized as ‘monetary instruments’. Nevertheless, they need to be declared to a CBP officer upon entering the USA.

Is there any customs duty on importing gold to USA from India?  

No, the US doesn’t impose any customs duty on gold coins, jewelry, medals and bullions. It only requires travelers to declare these valuables to CBP officers or file FinCen105 form, depending on whether you are carrying gold items valued over $10k.

I bought some gold jewelry/bars in India. Do I need to declare that while leaving India for the USA?   

If not declared at the time of departure from India, it will be a problem to bring them back home (India). There are few GOV-appointed valuators. You need to book one’s visit. They come with quality and weight check instruments. They check gold articles for purity, weight, etc. and give a report on the estimated value. They also take photos of the items and give you 2 copies; one for your reference and the other for customs clearance at Indian airports. This is how you can declare your gold export out of India. You will get an export certificate from the customs. You can also show the export certificate while declaring your gold items in the US.

The gold export certificate is valid for 3 years from the date of your flight from India to USA . On your return to India anytime within 3 years, you can show the export certificate and the gold valuation report done before. Thus, you can avoid paying customs duty on the value of gold, which you bring back home from USA, on arrival at an entry airport in India.

Will I be held back by a US immigration officer while traveling back to USA with the gold jewelry purchased in the US itself? 

It is not mandatory to declare on return to the US if the value does not exceed $10k. If you are held back, you may be asked to show the purchase receipt or provide a verbal estimation of the value. If you declared it while flying out of the USA, you can show that receipt to the immigration officer when you travel back.

How to declare gold jewelry at US CBP & get ‘Certificate of Registration’ before traveling abroad?

You need to present a dated copy of your jewelry appraisal (you can get this document from a certified gemologist and appraiser), jewelry insurance policy or receipt to prove legal ownership of your jewelry before leaving the US. A photo of yours with your jewelry may also be accepted for issuing the ‘Certificate of Registration’.

What happens if I don’t declare jewelry to CBP officers at US airports?

Not declaring your jewelry is never a good idea. CBP may confiscate your gold jewelry and charge you with a penalty equivalent to the value of jewelry you are importing to the USA.

What’s Indian Government’s duty-free gold allowance for NRIs from USA and other countries?

Indian government’s standard duty-free allowance for gold jewelry varies depending on the gender of NRIs traveling to India from USA and other countries. For male travelers, the duty-free limit is 20 grams of gold jewelry and the value should not exceed INR 50,000. The duty-free allowance for women should not exceed 40 grams of gold jewelry with the value up to INR 100,000.

The same gender-wise duty-free gold allowance applies to NRI children traveling to India after a certain period of stay abroad. NRIs’ import of gold bars or coins is not eligible for the customs-duty-free allowance even though the gold amount/value is within the specified limit mentioned above.

I am traveling to India for a family function. Will it be a problem if I carry to India my gold or diamond jewelry purchased in the US?

Make sure to carry the purchase receipt. Try to convince the Indian customs officer at the arrival airport that your jewelry is not an import for commercial purposes and that you are carrying the jewelry for your personal use at a family function. If you have the return flight ticket and any proof of the family function, you can show those to convince the officer.

Can I bring back to India the gold jewelry that I had taken to USA, without paying taxes to Indian Customs?

If your gold jewelry was purchased in India and if you obtained an export certificate for your jewelry from the Indian Customs before traveling to the USA, then your gold jewelry is exempt from India’s customs duty. An export certificate facilitates your travel to India with gold jewelry exceeding Indian Government’s duty-free allowance, irrespective of your period of stay abroad.

How to obtain an export certificate for your gold jewelry or gold items before flying out of India? you need to produce your gold jewelry, purchase invoice or payment receipt and the valuation certificate (attesting to the claimed value of gold) issued by an authorized valuer to the customs authorities at the Indian airport you are departing from.

Can I carry gold coins or bars other than jewelry to India? If yes, what customs duty do I have to pay?

Bringing gold to India in raw form, like bar or coin, is allowed. The government of India allows Indian nationals holding valid passports to bring gold coins or bars from abroad. However, it must be noted that Indian government’s duty-free allowance doesn’t apply to gold coins, bars – precisely, gold in raw form. You are required to pay customs duty of 15% on importing gold coins or bars. The same percentage applies if you carry gold jewelry exceeding the standard duty-free allowance and without a previously obtained export certificate. And for those who have stayed for less than 6 months abroad, 38.5% tax is levied on importing gold to India.

How much gold can I carry to India in my cabin/hand baggage?  

Not everyone is allowed to import gold to India as part of cabin baggage. Only Indian-origin travelers and Indian nationals can import gold as baggage, provided they stayed abroad for minimum six months. You can import up to 1 kg of gold in your carry-on bag on international flights to India from USA .

Is the value of gold, that I will carry to USA, calculated based on the actual price paid during the purchase?

While estimating the value of the gold to determine if it falls under duty-free allowance or not, the value of the gold is calculated based on the current price as notified by the government of India. It means the value of the gold you carry is determined by the gold rate at the time of your travel and not at the time of your purchase. Regardless of this, you need to produce the purchase invoice to ascertain your ownership of jewelry.

Subscribe to Travel Beats, a leading community portal for Indians in America, for everything related to your US-India travel, from transit visa to travel hacks, baggage allowance, and connecting airport stopover guides. Travel Beats is a subsidiary of Indian Eagle, a most trusted air-ticketing partner of NRIs and OCI cardholders looking for best online flight deals to India and USA.

(The above information is curated from various sources, user-generated posts, and our customers. Though we strive to provide authentic information, absolute accuracy is not guaranteed. You can post your queries in the comment section below.)

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How Much Gold Can You Carry In Flights To India?

Gold has been a precious metal in India and all around the world. It is also known as yellow metal. It has been considered as a symbol of prestige and royalty for ages. Besides, people find it the best method of investment as well. Gold is trending not only in India but abroad also. The trend of gold is emerging very fast. 

You might have heard a lot about gold being seized at the airports. This might also have made you think “ how much gold is allowed in domestic flights to India? Or perhaps, “ can we carry gold on domestic flights ?”

Fortunately, the answer is yes. However, there’s a number of things to remember so you can properly understand how to carry gold jewellery on flights . The reason behind this is there are certain requirements to import the gold that needs to be fulfilled. So, let us check the requirements that need to be fulfilled if you are carrying gold on flights to India . This gold can be in the form of ornaments, coins or biscuits. Now the next question in your mind will be how much gold can be carried custom free and on how much gold custom duty is to be paid. You will be surprised to know that customs also favor women more than men in terms of carrying gold.

Gold Jewelry Carrying Limits According to the Valuation (Without any Custom Duty)

Female passengers can bring duty-free gold jewelry worth Rs. 100000 to India. On the other hand for a man this limit is worth gold jewelry can be Rs. 50000. But there is a condition attached to this clause that you should be residing abroad for more than one year.

• If you carry gold jewelry over this limit you have to pay customs duty.
• You can carry only gold jewelry under the allowance limit. Gold coins and bars aren’t allowed free of customs duty.
• Furthermore, the price of gold will be calculated based on the value notified by the government of India.

What is the Limit of Carrying Gold Bars and Coins?

You can carry 1Kg gold per person after paying the custom duty. It can be gold coins or gold bars. But the important thing is that if you are of Indian origin and have a valid passport only then you are allowed to carry the gold. The gold can be carried in the form of baggage.

Can You Carry Gold Coins And Bars More Than 1 Kg?

• Yes, you can carry gold coins and bars more than Kg but you need to have all the correct and detailed declaration documents along with you. You will not be seized without any reason.
• Custom duty on coins and bars more than 1 Kg = 36.05%.
• So, unless it is an absolute necessity, exceeding the 1Kg gold limit may not be an economically sound decision.

Other Conditions Associated With Gold Bars

In case you are bringing gold bars to India , the serial number, weight and the name of the manufacturer should be inscribed over the gold bars. Besides that, you will have to pay duty tax on these gold bars depending on the gold bars that you are carrying. It is not over here, you will have to pay duty tax again in India after the declaration of your gold. In case if you carry gold over a certain limit you may have to face certain legal charges. It can get you in trouble.

Being on the safe side, it’s recommendable to not exceed the suggested limit of 1Kg, until absolutely necessary. This can help you save a good deal of money, plus keep trouble at bay.

Custom Duty

First of all custom duty is the amount of tax charged on the import and exports of goods. Customs duty contributes largely to the overall revenue of many countries, India being one of them. Also, the gold markets vary across the world, hence, it makes sense for the governments to charge appropriate custom duty when a citizen imports gold from another country.

• Custom Duty if you have stayed in abroad for one year

Custom duty on gold coins and bars – 6% ad valorem tax + 3% cess

In case of Tola Bars and ornaments, it is 10% ad valorem tax + 3% cess

One Tola = 11.663 Grams

• Custom Duty if you have stayed in abroad for less than one year = 10.3%
• Custom Duty if you have stayed in abroad for 6 months or less than 6 months = 36.05%

What is ad valorem tax?

A valorem tax is the tax imposed on the value of the good, not on the weight quantity or size of the good.

Walkthrough Right Channel on Airport

It is also important to walk through the right channel. If you are carrying gold which is free of custom duty only then you should walk through the green channel. The green channel represents the passengers who are not having any dutiable goods.

On the other hand, if you are carrying dutiable gold then you must go for the red channel. If you exceed the quantity of the gold then you will be prosecuted under custom act 1962.

Is it important to declare the gold?

Yes, it is important to declare the gold while carrying it in-flight to India. Besides that, you should also be updated with the latest norms and conditions of import of gold.

Can children carry gold jewelry in flight?

Yes, children can carry gold jewelry but the children should have been living abroad for more than one year. And the gold jewelry should be under the allowance limit.

Who is eligible to bring gold to India in Flight?

Any passenger of Indian origin is allowed to bring gold to India. But he/she should be returning to India at least after 6 months.

Any passenger holding a passport under the passport act 1967.

Tips to carry gold in flight to India

• First of all, try to wear a minimal amount of gold jewelry. It seems stupid to wear a lot of amount of gold ornaments. It attracts the attention of the airport officers and makes them ask some questions from you.
• Don’t even think of hiding any gold jewelry to get an escape from the custom duty. It will have consequences that will lead you in trouble.
• You should also declare the gold items you are carrying. Try to keep related documents with you. (If any)

Pre-cautions

If you are carrying gold beyond the permissible limit then keep all the required paperwork along with you. This includes invoices and receipts. Besides that, you also need to fill out the formal declaration form. In this form, you have to list the name of the gold valuables you are carrying and it should further match with the gold valuables that you are carrying.

These are some things that you need to take care while carrying gold on flights to India.

FAQ’s

Q1. How much gold can I wear while traveling to India?

Ans:- 20 grams

Q2. What is the custom duty on gold in India?

Ans:- India annually consumes around 800 -850 million kg of gold . At present, gold attracts an import duty of 10 per cent and GST of 3 per cent, which means the total tax incidence is 13 per cent.

Q3. Can I take gold Jewellery in hand luggage?

Ans:- According to the rules, you are allowed to carry gold jewelry up to an aggregate value of Rs. 50,000 if you are a male member and it is 1,00,000 for the female travelers. There is no customs duty if the total value of jewelry carried is within the above limitations.

Q4. How much jewellery can I carry on domestic flights in India?

Ans:- As the jewellery is an umbrella term for ornaments made from silver, gold, etc., it makes sense to look at their respective permissible quantities that an individual can carry on Indian domestic flights.

Silver: 100 Kgs per person

Gold: 1 Kg per person

Moving further, it is crucial to understand that gold is a valuable commodity that needs careful handling. Plus, moving heavy quantities of gold from a foreign country to India may come with challenges of its own, the most common of which were mentioned in this article.

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How Much Gold is allowed from Dubai to India?

Updated on : Mar 28th, 2024

Gold for Indians is an emotion. It symbolises our culture, tradition, and heritage. Whether it is a marriage ceremony or any auspicious event, Indians gift gold jewellery or coins to their loved ones as a token of fortune. Thus, while visiting countries like Dubai, where gold is available at a cheaper rate, Indians prefer buying this metal as much as they can afford. However, buying gold from a foreign land comes with some obligations that every Indian must know.

Continue reading to know the gold limit from Dubai to India, applicable customs duty, and more.

Why is Gold Cheap in Dubai?

Indians often travel to Dubai to buy gold at affordable rates. Gold prices in Dubai are cheaper compared to India due to several reasons. One of the reasons for a cheaper gold rate in Dubai is zero GST (goods and services tax) on bullion and gold jewellery. Apart from this, Dubai jewellery stores charge a reasonable manufacturing cost, which makes 24K gold in Dubai approximately 7% cheaper than in India.

Gold Carrying Limit from Dubai to India

As per the Central Board of Indirect Taxes and Customs, Indian travellers can  bring up to 1 kg of gold in baggage from Dubai upon staying there for more than six months after payment of duty. However, they will have to  pay customs duties for carrying any amount of gold  above the duty-free gold limit .

Type of Gold Permitted

Indians can carry gold from Dubai in the following two forms:

Duty-Free Gold Limit for Male Passengers

A  male passenger can bring 20 grams (maximum value of Rs. 50,000) of gold   without paying any  customs duty from Dubai to India. He can carry gold coins or bars within this limit to be exempt from customs duty in India. 

Duty-Free Gold Limit for Female Passengers

For  female passengers , the  duty-free gold limit from Dubai is  40 grams (maximum value of Rs. 1 lakh) . Females can bring back gold in the form of jewellery, bars, or coins while returning from Dubai for their personal use. Any amount beyond this limit will attract customs duty. 

Duty-Free Gold Limit for Children

Children under the age of 15 years can bring gold ornaments of a  maximum of 40 grams without paying a custom duty. This includes gifts or presents given to the child in the form of gold. However, a child carrying or buying gold from Dubai must have identity proof of his/her relationship with the adults accompanying the child. So, the guardian must bring this paperwork while producing the purchase invoice to the Indian customs.

Custom Duty on Gold in India from Dubai

Individuals  carrying gold from Dubai above the allowed (duty-free) limit need to  pay customs duty as follows:

However, individuals bringing gold from Dubai to India without residing in Dubai for up to 6 months will have to pay an additional customs duty of 36.05%. 

How to Declare Gold at an Airport in India?

Indians need to declare the gold amount they are carrying from Dubai after reaching the airport if it exceeds the duty-free limit. The green channel in the airport is for travellers carrying non-dutiable goods or luggage, and the red channel is for dutiable goods. Thus, Indian passengers carrying gold above the permitted limit  should enter the red channel   to declare that they are carrying a  dutiable gold amount from Dubai.

Consequences of Non-Declaration of Excess Gold

As per the Customs Act of 1962, non-declaration of excess gold can lead to confiscation of the passenger’s baggage and  charges of a hefty penalty . The passenger  may also face legal consequences for not abiding by the law.

Now that you know how much gold is allowed from Dubai to India without duty, you can plan your purchase from Dubai accordingly. However, if your purchase exceeds the decided limit, you can pay the required customs duty and take your belongings home without any legal hazards.

Other Articles: 1. Countries With Largest Gold Reserves in The World

Frequently Asked Questions

Yes, if you buy gold within the permissible limit and reside in Dubai for more than 6 months, you are not liable to pay customs duty. The gold limit varies according to gender. Male passengers can carry a maximum of 20 grams of gold. However, for females and children, the limit exceeds up to 40 grams.

You can carry a maximum of 1 kg of gold in your baggage while returning from Dubai to India. However, if this amount exceeds the duty-free limit, you need to pay customs charges.

Indians can carry a maximum of 40 grams of gold from Dubai without paying any customs duty. However, for male passengers, this limit is only 20 grams.

The customs duty for gold bars is Rs. 300 per 10 grams + 3% of edu cess, and for other forms of gold is Rs. 750 per 10 grams + 3% edu cess.

Indian customs allow a maximum of 20 grams of gold for male passengers and a maximum of 40 grams of gold for female and child passengers.

Yes, you can bring gold of up to 1 kg in your luggage. However, you need to pay the customs duty when it exceeds the permissible limit.

If you are carrying excess gold beyond the duty-free limit, you need to declare it at the airport after reaching India. Any violation of this rule can lead to legal consequences.

If any female passenger carries more than 40 grams of gold and a male passenger carries more than 20 grams of gold, they need to declare the amount at customs. As per the Customs Act of 1962, passengers not declaring excess gold at customs are liable to pay a penalty or even may face confiscation of baggage.

You can carry gold jewellery in your cabin luggage to avoid the extensive steps of the checking and screening process. It will protect your jewellery from damage. However, you need to check the airline policy and declare the gold at the airport if it exceeds the limit.

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How much gold can you take from Dubai to India?

• How Much Gold is Allowed from Dubai to India
• Duty-Free Allowance
• Customs Duty on Gold

Gold is a big part of Indian culture and tradition. From being gifted at weddings to being seen as a valuable investment, the precious metal is deeply ingrained in Indian culture. With the exceptional popularity of gold jewellery in India, it’s no surprise that expatriates who are travelling want to know the gold limit from Dubai to India. So, without further ado, let’s get to our tips and guidance regarding how much gold is allowed from Dubai to India

HOW MUCH GOLD IS ALLOWED FROM DUBAI TO INDIA – AN OVERVIEW

The lower prices and premium quality are reasons expats love buying gold in Dubai . The Deira Gold Souk is one of the most popular places to buy gold in Dubai and people from different communities prefer it from this iconic market in Deira .

A few years ago, the Indian Central Board of Indirect Taxes and Customs imposed a gold import limit from Dubai to India. So to travel without any hiccups, provide precise and thorough information when declaring gold to customs officials in India.

Want to carry gold from Dubai to India? Join us as we take a look at custom duties and charges that may apply.

HOW MUCH GOLD IS ALLOWED FROM DUBAI TO INDIA WITHOUT DUTY?

Wondering how much gold is allowed from Dubai to India? According to the Central Board of Indirect Taxes and Customs (CBIC) website, any Indian passenger with a valid Indian passport (issued under the Passport Act of 1967) who has been residing abroad for more than one year is eligible to bring gold jewellery to India in their baggage.

To avoid paying extra customs duty when bringing gold from Dubai to India, it is crucial to adhere to the duty-free limits set by the Indian government. These limits differ based on the gender and duration of stay abroad.

Duty-Free Limits for Male Passengers

For male passengers residing abroad for over a year, the duty-free limit for gold jewellery is up to 20 grams, with a maximum value of INR 50,000.

Duty-Free Limits for Female Passengers

Female travellers, on the other hand, have a higher duty-free limit. They can bring up to 40 grams of gold jewellery, not costing more than INR 1 lakh. If you carry more than this, you must pay the customs duty.

Children’s Eligibility for Duty-Free Gold

Children who have lived outside India for at least one year are also eligible for duty-free gold jewellery. This means they can bring gold jewellery within the duty-free limits mentioned above without incurring customs duty charges.

One commonly asked question is how much gold we can carry from Dubai to India. This table should give you a better idea:

Custom Duty Charges on Gold Bars, Coins and Jewellery

Indian passengers bringing gold from Dubai to India should remember that the duty-free allowance only applies to gold jewellery.

Please be aware that passengers can bring gold coins, biscuits, or bars within the allowed limit. If you happen to carry gold in any other form, you will be held accountable for paying the necessary duty fees.

Custom tax charges for gold bars, coins and other ornaments are determined by the quantity imported. Let’s see the amount you have to pay when bringing gold from Dubai to India.

• 10% custom duty on gold bars less than 1KG.
• 3% custom duty on gold bars weighing between 20 grams to 100 grams.
• No custom charges on gold bars weighing less than 20 grams.
• 10% charge on gold coins weighing between 20 grams to 100 grams.
• No custom tax on gold coins less than 20 grams.
• No custom tax is charged on jewellery if the weight doesn’t exceed 20 grams and the values in less than INR 50,000.

HOW MUCH GOLD CAN WE CARRY FROM DUBAI TO INDIA – LIMIT ON CARRYING GOLD

Now that you are aware of how much gold is allowed from Dubai to India per passenger, let’s learn about customs duty.

Any Indian citizen or person holding a valid Indian passport who has been abroad for at least six months can import gold as personal baggage.

Passengers with a valid Indian passport who have stayed in Dubai or other foreign countries for over six months can bring 1kg of gold in any form by paying duty (13.75%). Also, if passengers carry more than the allowable gold limit to India from Dubai than the quantity stated above, they are liable to pay customs duty.

Understanding the Customs Limit for Gold from Dubai to India

When bringing gold into India, it is crucial to understand the customs duty rate by the Central Board of Indirect Taxes & Customs (CBIC). The duty rate varies depending on the duration of stay abroad for Indian Passport holders and persons of Indian origin.

For individuals who have stayed abroad for more than six months, a concessional rate of duty @12.5% + Social Welfare Surcharge @1.25% applies to the gold they bring to India. *

EXCEEDING THE MAXIMUM GOLD LIMIT

According to the UAE Embassy website, Dubai to India gold limit should not exceed 10kgs per passenger when travelling to India. It includes the entire weight of a passenger’s gold, including ornaments.

Customs duty on coins and bars more than 1kg allowed gold from Dubai to India is 38.5%. So even though this larger limit may be allowed, it’s relatively uncommon to see people taking gold exceeding 1kg. 

GOLD ALLOWED FROM DUBAI TO INDIA – CONDITIONS FOR IMPORTING ABOVE THE LIMIT

• The customs duty on all excess gold shall be paid in convertible foreign currency.
• Passengers must provide all necessary proof of purchase and other documentation to avoid the seizure of goods at Dubai Airport . 
• Failing to meet the strict requirements and declaration may lead to detention, prosecution or until all paperwork and documentation are complete. 
• Gold jewellery studded with expensive gemstones and pearls cannot be imported to India.
• The gold bullion and bars in Dubai must have all the necessary inscriptions. The information has to include the total weight, manufacturer and serial number. 
• A major condition for importing gold above 1kg is that the passenger should not have brought any gold or other precious metals and gemstones to India in the last six months, exceeding the maximum gold limit from Dubai to India. 
• After the short visits to the country, the passenger cannot avail of any form of exemption from paying customs duty on gold in India. 
• A passenger has to bring the gold as a piece of checked baggage, or the other option is to import the gold within fifteen days of their arrival in India as unaccompanied baggage.
• The passenger can obtain the permitted quantity of gold from the Customs bonded warehouse of the State Bank of India and Metals and Minerals Trading.
• The passenger must state their intention to obtain gold from the customs-bonded warehouse and pay the customs duty before the clearance.

Regarding the duty free gold limit from Dubai to India, knowing the latest customs policies is essential. Make sure to go through the prohibited items in checked baggage before travelling back home or arriving in Dubai from your home country too. The restrictions are in place to discourage gold smuggling in the country.

FAQs ABOUT HOW MUCH GOLD IS ALLOWED FROM DUBAI TO INDIA

What guidelines should i keep in mind when carrying gold to india from dubai.

In addition to the duty-free limits and customs duties, there are a few other guidelines to keep in mind when carrying gold from Dubai to India:

• The weight of the gold, including ornaments, should not exceed 1kg per person. It is vital to ensure that the total weight of the gold you carry complies with this limit.
• To avoid customs duty charges, it is essential to keep the value of the gold within the duty-free limit specified for your gender and duration of stay abroad.
• It is advisable to carry all relevant documents, such as purchase receipts or invoices, to prove the value and authenticity of your gold.
• Take the necessary precautions to secure the gold during your journey. Consider using a secure travel pouch or carrying the gold in your hand luggage to minimize the risk of loss or theft.

HOW MUCH GOLD CAN I CARRY FROM DUBAI TO INDIA AS A MALE PASSENGER?

The gold allowed from Dubai to India duty-free for male passengers is 20 grams worth INR 50,000.

CAN CHILDREN CARRY GOLD WITH THEM?

Children over two years of age are permitted to carry duty-free gold jewellery. They are not allowed to have gold biscuits, bars or coins.

WHAT IS THE BEST PLACE TO BUY GOLD?

You can visit many fantastic gold shops in Dubai to buy gold. Dubai gold price will determine how much you’ll pay for the purchase.

CAN I WEAR SMALL PIECES OF JEWELLERY FOR DAILY USE WHILE TRAVELLING BACK TO INDIA?

Typically, customs officials do not have an issue with women wearing small jewellery such as a light chain or earrings.

IS JEWELLERY WITH STUDDED STONES INCLUDED IN THE DUTY-FREE ALLOWANCE?

The duty-free allowance only applies to pure gold jewellery. Gold jewellery studded with pearls, diamonds or precious stones is not included in the duty-free allowance for Indians .

WHAT IS THE LIMIT OF DUTY-FREE GOLD ALLOWED ON INTERNATIONAL FLIGHTS TO INDIA?

Male passengers are allowed a duty-free gold allowance of 20 grams (maximum INR 50,000), while female passengers are permitted a duty-free gold allowance of 40 grams (maximum INR 100,000). 

HOW MUCH GOLD I CAN CARRY FROM DUBAI TO INDIA WITHOUT COMPLETING A SIX-MONTH STAY?

Sadly, if you’ve been in Dubai for less than six months, you have to pay the additional duty of 38.5%.

And that’s everything you need to know about the gold limit from Dubai to India. It’s common for expats to convert their savings to gold as the precious metal provides a hedge against inflation. So, we hope this guide covered all the details you were looking for.

Do you want to know why people prefer buying gold in Dubai instead of India ? Our guide lists various advantages such as purity, bargaining power, and price differences to help you understand the difference of buying gold between the two destinations.

Want to buy fine gold jewellery? Here’s a list of top gold shops in Abu Dhabi .

Leave a Reply Cancel Reply

My uncle buy 100gm gold 24k how much castramduty will charge

Hi, Rajendra Prasad. Thank you for reaching out! If your uncle has bought 100 gm in gold bars, he’ll have to pay 3% custom duty. Also if your uncle has not completed the mandatory 6 months stay in Dubai he could be eligible to pay an additional duty of 38.05%. For more information, you can see How Much Gold is Allowed from Dubai to India . Hope this helps. Good luck!

Hi NB, If my wife stays in Ajman for six months continuously, can she carry gold chain with locate say something like 60,000 INR without paying the custom duty? Thanks

Hi Abdul Wahid, Thank you for reaching out! Gold jewellery with an aggregate weight of 40 grams and a maximum monetary value of INR 100,000 for female passengers is exempted from customs duty. For more information, please see How Much Gold is Allowed from Dubai to India . Hope this helps, Good luck!

Hi , We been residing in dubai since long And would like to conduct our marrage in dubai but have all pur gold in india how may we carrt gold from india to dubai? And how much is maximum can be carried to india from dubai?

Hi Arathy, Thank you for reaching out to MyBayut. As far as your query is concerned, please get in touch with the airline and the customs office for more information on permissible gold limit from India to Dubai. Good Luck!

I’m staying in Dubai for the past 3 yrs. I already had 40 grams of gold and I brought 40 grams of gold in addition in Dubai.Right now I’m wearing gold jewellery worth of 80 grams. I lost my job in Dubai so I’m going back to India. Whether I have to pay excess amount for carrying the jewels to India. If so, how much I have to pay ? Pls help me out.

Hi Sundar, Thank you for reaching out. As the gold you are carrying from Dubai to India exceeds the custom-free limit of 40 gm, you will need to pay applicable customs duty on the remaining gold. For more information, please see How Much Gold is Allowed from Dubai to India . I hope this helps, good luck!

I am staying in UK for 1.5 years and want to bring 100gm 24k gold bar to india. How much in total including customs, GST and VAT should i pay for 100 gms of gold bar. At current price 100gms bar cost 4 lakhs in conversion, will it be 12.5 percent of 4 lakhs or 3000 per 100gms + 3 percent cess

Hi Sha, please see How Much Gold is Allowed from Dubai to India . Good luck!

I have been wearing 56grams jewellery since I’m came from india to muscat.its bought in india. now additional i having 40 grams jewellery. I’m stayed here near 1 1/2 years. Taken back to india is there any problem with that?

Hi Pavi, thank you for reaching out to MyBayut.

Please note that female passengers are allowed to carry or wear jewellery worth INR 100,000 or with an aggregate weight of 40 gm. For more information, please refer to How Much Gold is Allowed from Dubai to India . Good luck!

Hi NB, I want to bring 50 gram gold biscuit from kuwait. When i will go to india,That time how much tax i will pay in indian airport. Plz explain including about GST tax?

Hi Satham, Your 50 gm gold biscuit could be subjected to additional customs duty. The immigration and customs officer in your home country will guide you accordingly. Thank you

How much I can carry gold from Dubai to India maximum

Hi Arfath, Thank you for reaching out to MyBayut, please see How Much Gold is Allowed from Dubai to India .

Hi NB, After 6 months stay in Saudi Arabia want to buy and carry 14 grams of gold jewelry to India and its current price is exceeding 50000 Indian RS, Do i need to declare it to the customs in India and how much extra i need to pay for it.

Hi Shardy, Thank you for reaching out! Please see Customs Duty on Gold .

My aunt has a residential visa of Dubai so how many grams of gold jewelry she can bring without paying custom duty???

Hi, Thank you for reaching out. Please see Customs Duty on Gold .

Does 6 months stay overall or from my previous visit . i am working in uae for past 5 yrs, i recently went on vaccation in february and want to go on july (ie before 6 months) is it fine to carry 40gms of gold and how much i would need to pay tax

Hi Sam, Thank you for getting in touch.

Please note that passengers with a valid Indian passport, who have stayed in Dubai or other foreign countries for over six months, are allowed to bring in 1 kg of gold in bars or coins from Dubai to India as a checked baggage item, however, passengers are required to pay the custom duty fees if they exceed the gold carrying limit from Dubai to India. Please see How Much Gold is Allowed from Dubai to India . Hope this helps!

I am a resident in dubai. Now my visa is getting cancelled, how much gold i can carry to india?

Hi Riddhi, thank you for reaching out to MyBayut. Please see How Much Gold is Allowed from Dubai to India .

Hello NB, If I am living in Hong Kong from past 2 yrs and I visit dubai to buy gold brick of 1 kg or 900 gm then I no need to pay custom duty and if yes then plz mention the the price of 500gm of gold

Hi Arpit, Please note that it’s always better to consult the authorities in this regard.

Hi, Mam, I would like to ask about gold can I bring gold from UAE to India 50 gm 24 k it’s allowed to bring India

Hi Islam, thank you for reaching out to MyBayut. Please see How Much Gold is Allowed from Dubai to India .

Hi , i am staying Bahrain for past 2 years , how much gram Gold Bar allowed to bring India? what is the duty i should paid, what is 3% edu? is it calculate from the percentage of total price of Gold ?

Hi Muhammed Ali, thank you for reaching out to MyBayut. As for your query, we would advise you to consult the concerned customs and immigration authorities in this regard.

Hi, I am staying in Oman since 1 and half year and I am planning to go on vacation, I am having 40gms of 4 coins with me. Do i need to pay any custom duty and if so please do let me know the total amount in indian rupees which i have to pay. Thank you.

Hi Sultan Ali, Please consult the official airport customs and immigration authorities upon your arrival and follow their instructions to pay for any applicable duty.

I hope this helps

An Indian citizen who’s been staying in foreign (dubai) can import gold of 1 kg to INDIA , By paying the customs(300 ₹ per 10 grams +3 %of the total cost)

My query is that whether the gold that is been import from dubai can be sold to normal people or should only be used for making jewelry

Hi Mani, Thank you for reaching out to MyBayut Please consult the concerned customs and immigration authorities in this regard. I hope this helps

Hey, My wife stay with me in dubai for more than a 1 year, Now she is going back to India, She have 30gms of 24k gold biscuit, and 20gms of gold jewellery. How much amount she had to pay in Bangalore airport. Is some amount is applicable or no.

Hi Mohammed, Thank you for reaching out to MyBayut Please consult the concerned customs and immigration authorities at Bangalore Airport Hope this helps

What are the restrictions on gold jewelry at the time of transfer of residence from Dubai. I have stayed in Dubai for 29 years and will be going back to India

Hi NB, how much gold we import in India for normal citizens of India

Hi, Thank you for reaching out to MyBayut. Please see Customs Duty on Gold .

Hi there I have 1 kg gold bar and want to bring India from Australia. can you please tell mE how roughly they gonna charge as today price.

Hi, Thank you for reaching out to MyBayut. As for your query you may have to follow the guide lines and instructions of the customs and immigration staff at your designated port of entry in India.

Hi…very helpful but i am a bit confused. for ornaments above the limit of 40gms… how will the calculation work? will they apply the rate of INR750 per 10 gms and to that value apply the 12.5% customs duty plus 3% edu cess?

Hi Subir, Thank you for reaching out to MyBayut. The calculation of your customs duty depends on different criteria as we have explained in the blog. However, you can ask the customs agent for more assistance in calculating the customs duty. Hope this helps

I live in USA I would like to know if i buy around 1,00,000 – 1,50,000 priced in Dubai, how much should i have to pay to customs in india? I have been living in USA from past 5 years. Please let me know. Response would be appreciated.

Hi, thank you for reaching out to MyBayut. Please see Customs Duty on Gold .

i am going for dubai for 5 days . i want to purchase iphone11 cannon 80d airpods pro and dslr lens around 1.40 inr shopping dubai so without paying custom cam i bring it??

Hi, thank you for reaching out to MyBayut Please contact the Customs and Immigration officers at your designated port of entry in India for further information on the customs duty on imported electronics. Good luck.

I have been in dubai for a month only but i want to carry gold while returning to India for my sister marriage..pls advise how much can i bring without duty free as a person or in baggage. Also, if i will carry gold more than that then how much will i have to pay…does it make sense to buy gold from dubai in that case.

Hi Rashmi, thank you for reaching out. Please see Customs Duty on Gold .

how much gold we can bring from dubai legally ??

Hi, thank you for reaching out. Please see How Much Gold is Allowed from Dubai to India .

Hi I living past two years in Dubai,How much of gold can I bring to India and I have valid Indian Passport.

Please give reply

Hi, I have a 10 gram 24 caret gold bar. How much custom duty will I have to pay .is it 300 per 10 gram or 12.5%.

Hi NB , I’m a resident of india and I want to import gold from Dubai for resale in india . What’s the procedure of it ? How much tax I’ve to pay ??

Please help…..

Hi, Thank you for reaching out to MyBayut. For commercial gold imports you may need to speak with a concerned department for imports in India you may require a license and other paperwork for commercial gold import.

Hi, i have 4 kg of gold of 24ct how much i can pay the duty once i will in dubai??

Hi, thank you for reaching out to MyBayut. Please see Customs Duty on Gold and Duty-Free Allowance .

Hi I am traveling with my wife and my two kids girl 13year and boy 7 years of age togather how much jewelry can we take to India from Dubai

Hi, thank you for reaching out! Please see How Much Gold is Allowed from Dubai to India .

I have a gold BISCUIT for 10 grams, how much custom duty will be charged in it

Hi i am working in abudhabi and was looking to go for vacation to india if i take 80 grams gold ornaments how much customs duty i have to pay kindly help me

Hi, thank you for reaching out! Please see Customs Duty on Gold .

Hi I’m Asif from india. and I’m living in dubai now ..I want to know that how they charge custom duty on gold? I mean if I carry 25gm gold in ornaments will they charge in whole 25gm gold or just charge in extra 5gm gold?

Hi, thank you for reaching out to MyBayut.

Please enquire about the custom duty charges on your gold by an official Indian Customs officer at your destination point of entry.

Dear Sir I am resident in dubai for 20 years And I am self employed How many grams gold i can take to India without customs duty And what are the charges if I am bringing more than my limit?

Hi, thank you for reaching out to MyBayut. Please see Duty-Free Allowance and Customs Duty on Gold .

My brother in law holding a residents family visa accompanied with his wife & two daughters & he is planning to buy 24krt gold biscuit 20grms ×2 .he also have some gold ornaments that they are using.how much tax they have to pay while travelling to india.

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• How much gold is allowed from Dubai to India? Latest 2024 Rules  

How much gold is allowed from Dubai to India? Latest 2024 Rules

When it comes to buying gold, Dubai is considered to be a gold-buyers paradise, famously known as the City of Gold. However, there is a limit on the amount of gold that can be brought from Dubai to India. The question that arises in everyone’s mind is how much gold is allowed from Dubai to India or how much gold can I carry from Dubai to India? Here is a detailed guide on how much gold you can bring from Dubai in 2024.

Also Read: What are the best investment opportunities for NRIs to invest in India?

How much gold is allowed from Dubai to India?

Dubai is popularly known as the gold city. Low gold rate and high quality of gold in the UAE are the main reasons why expats resort to buying gold in Dubai. In addition, Dubai is a tax-free haven, which means you will not incur VAT or sales tax when buying gold from Dubai. However, a few years ago the Central Board of Indirect Taxes and Customs set limits on the amount of gold that can be brought to India from Dubai and other emirates. Let’s understand how much gold can we bring from Dubai to India and Dubai to India gold limit:

Is Gold Cheaper in Dubai Than in India?

One significant factor prompting Indians to travel to Dubai for gold purchases is the notable price disparity between India and Dubai. Gold tends to be more expensive in India than in Dubai, primarily due to factors such as import duties and additional charges. In contrast to India, Dubai does not impose a 3% Goods and Services Tax (GST) on gold purchases and manufacturing, contributing to a further widening of the price differential. Overall, the cost of 24K gold in Dubai is generally 5% to 7% lower than in major Indian cities. This pricing advantage has led Indians to favor Dubai as a preferred destination for both gold investments and electronics.

Duty-free import limit on gold from UAE to India

The Central Board of Indirect Taxes & Customs on 1 April 2016 stated that any Indian passenger coming back to India after more than 1 year can carry any gold jewelry in their baggage to India. The amount of gold that one can bring from Dubai to India varies from male passenger to female passenger as under:

Children who lived abroad for at least one year are also allowed to carry given amount of gold without having to pay custom duty.

Only gold jewelry is eligible for duty-free allowance. Other forms of gold, such as bars, coins, etc. are liable for the customs duty fee.

Limit on carrying gold

If any passengers traveling from Dubai to India carry gold jewelry more than the set limit, they will have to pay a customs duty fee. However, one common question among people is how much gold can I bring from Dubai to India? 

All Indian citizens, who have lived abroad, or Dubai for that matter,  for more than 6 months can carry gold coins or bars weighing up to 1 kg in their baggage while traveling to Indian. However, they will be liable to pay the fee charged as customs duty for carrying the amount of gold that exceeds the duty-free import limit from Dubai to India.

Customs duty rates

Here are the customs duty rates for carrying extra gold to India from Dubai:

Note: If you bring gold within the mentioned limits from Dubai to India without residing in Dubai for up to 6 months, you will be liable to pay an additional customs duty of 36.05%. 

The customs duty charge for carrying bars and coins that weigh more than 1kg is 36.05%. As per UAE Embassy, an individual traveling to India from the UAE can’t carry more than 10kg gold, even the ornaments. 

Conditions for carrying excess gold

• The customs duty charges for carrying above limit gold should be paid in a convertible foreign currency. 
• The passenger needs to provide all the proof of purchases and other documents to avoid complications related to goods at the airport. 
• Failure to comply with the regulations will result in persecution, confiscation or detention until all the documentation and paperwork are completed.  
• The gold bars must have all necessary inscriptions. The information must include details like weight of the bar, serial number and manufacturer.
• To import gold above the allowed limit of 1Kg, the individuals should not have brought gold or any other metals and gemstones that exceeded the maximum limit allowed, in the past 6 months from Dubai to India. 
• The individuals should not have received any sort of exemption from making payments of the customs duty on gold during his/ her short visits to India. 
• Any piece of jewelry studded with expensive gems and pearls can’t be imported from Dubai to India.
• The gold can either be brought as an item in checked baggage or it can be imported within 15 days of an individual’s arrival in India in the form of a piece of unaccompanied baggage. 
• The passenger needs to file a declaration in detail in the form prescribed before the officer of customs before arriving in India. 
• The passenger needs to state the intention to obtain gold from the warehouse bonded by customs and pay the customs duty before the clearance. 

How is the customs duty calculated?

Here are rates applicable on gold imported from Dubai to India:

• Specific duty rate: This rate is calculated based on the quantity or weight of the gold.
• Ad-valorem duty rate: This rate is calculated based on the value of gold only. 

On top of the above charges, an education cess of 3% is charged on the applicable value of duty. As a responsible traveler who brings gold to India, you must be aware of the applicable charges and complete all formalities to avoid unnecessary inconvenience and penalties. 

There are various reasons for people buying gold from Dubai such as quality of gold and lower price among others. However, expats must know about the import restrictions on gold limit from Dubai to India along with customs duty charges applicable for carrying extra gold. CIBIC sets various restrictions to discourage any gold smuggling and improve the overall economic deficit. Hence, it is important to be aware of the latest custom laws and the amount of gold allowed from Dubai to India. 

Apart from being a precious metal, gold offers investors a hedge against inflation. This is the reason why people all over the world want to invest in gold . You can’t imagine a wedding or festival, or any social commerce .

Contact SBNRI

NRI who want to bring gold from Dubai or other parts of the UAE to India needs to meet conditions set by the Central Board of Indirect Taxes & Customs. To know about the guidelines related to import of gold to India from Dubai in detail, you can consult experts at SBNRI .

You can download SBNRI App from the Google Play Store or App Store to ask any questions related to investment in gold, mutual funds, NRI account opening online and tax filing in India. Also visit our blog and YouTube channel for more details. 

How much gold is allowed from the UAE to India?

• A male passenger is allowed to carry a maximum of 20 gms, which doesn’t cost more than Rs. 50,000 and a female passenger can carry a maximum of 40 gms which should not cost more than Rs. 1 lakh as a duty-free allowance.  

What is the import duty on gold?

• The import duty imposed on bringing gold to India is 12.5%. 

What are the conditions to import gold to India without any restrictions? 

• You need to declare your gold jewelry at customs and pay the fixed import duty. After that, there will be no restrictions to bring gold to India.

How much gold can I bring from Dubai?

• Male passengers coming back to India from Dubai can bring gold jewellery up to 20 gram that should not cost more than INR 50,000. Female passengers are allowed to bring up to 40 gram of gold jewellery, not costing more than Rs. 1 lakh. Such restrictions are not applicable for individuals who pay government-defined import duty. 

Is gold cheaper in Dubai than in India?

• Gold is tax-free in Dubai and India levies taxes on the sale of gold.
• Surprisingly, making charges are also cheaper and the quality is also good.

How much gold can a tourist bring from Dubai to India?

• The gold amount that a tourist can bring from Dubai to India depends on the type of the traveler i.e. male or female. A male passenger is allowed to carry up to 20 grams of gold costing no more than Rs. 50,000 and a female traveler can bring a maximum of 40 grams of gold that does not cost more than Rs. 1 lakh. 

How much custom duty is charged on gold in India 2024?

• The basic import duty has been raised from 7.5% to 12.5% effective from 1st July 2022.

How much gold can NRI bring from abroad to India?

• A passenger of Indian origin or person holding a valid passport under the passport Act 1967 is allowed to carry up to 1kg i.e. about 2.2 pounds.

Who can bring jewelry as baggage?

• An Indian who has been residing abroad for more than one year can bring jewelry in his baggage under duty-free limit.

Can I carry gold from Dubai to India?

How much gold can I carry to India without duty?

• You can carry a maximum of 20 gms of gold (Maximum Value Rs 50,000) as a male passenger, and a maximum of 40 gms which should not cost more than Rs. 1 lakh as a female passenger without duty.

Is it worth buying gold from Dubai airport?

• Gold bought in Dubai is tax-free and you can carry a maximum of 20 gms of gold (Maximum Value Rs 50,000) as a male passenger, and a maximum of 40 gms which should not cost more than Rs. 1 lakh as a female passenger without duty.

How much is 1 gram gold in Dubai?

• The cost of 1 gram gold in Dubai is AED 288.75 for 24 carat. This rate is as of 16th April 2024 and will likely change in later days. Stay updated for the day specific gold price.

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Fugitive wanted in $20-million Toronto airport gold heist arrested on plane from India

Archit Grover, 36, was arrested Monday at Pearson airport as he returned to Canada. His arrest leaves just two known fugitives for the gold heist

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One of the fugitives wanted for the $20 million Toronto gold heist was arrested at the same airport from where the gold was stolen a year ago, after he stepped off a plane arriving from India.

Fugitive wanted in $20-million Toronto airport gold heist arrested on plane from India Back to video

Archit Grover, 36, from Brampton, Ont., also known as Archie, was arrested Monday at Pearson International Airport as he returned to Canada. He is charged with theft over $5,000 and conspiracy to commit an indictable offence.

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Grover’s arrest leaves just two known fugitives for the gold heist at large after the arrest of five men in Canada and one man in the United States.

The arrests follow a year after a shipping container filled with 6,600 variously sized bars of almost pure gold, weighing 400.19 kilograms, was stolen from an Air Canada cargo facility shortly after arriving on a flight to Toronto from Zurich, Switzerland, on April 17, 2023.

The gold was valued at the time at more than $20 million. The shipping container also contained foreign currency worth about $2.5 million. The contents were being delivered by Brink’s on behalf of two clients.

Grover is also wanted in the United States, where he was indicted alongside the man accused of being the driver who made off with the gold, for firearms trafficking. Police earlier alleged that some of the profit from the stolen gold was used to fund a cross-border gun-running operation.

The alleged driver for crimes on both sides of the border, Durante King-Mclean, 25, also from Brampton, was arrested a month after the gold heist in Pennsylvania, after allegedly being caught driving a car with 65 handguns in the trunk heading for Canada. He remains in custody there, pending trial.

While Grover is wanted in the U.S. for the gun plot, King-Mclean is wanted in Canada for the gold job.

Police allege the heist was an inside job, with the assistance of Air Canada employees at the cargo warehouse. Two Air Canada employees at the time are named as suspects.

• 'Inside job': Air Canada employees among those accused in $20M Toronto airport gold heist

One was arrested and suspended from his job: Parmpal Sidhu, 54, of Brampton. The other is one of the wanted men: Simran Preet Panesar, a 31-year-old man from Brampton. He quit his job as a manager at the cargo warehouse a few months after the heist and disappeared. He is wanted for theft over $5,000 and conspiracy to commit an indictable offence.

The other wanted man is Arsalan Chaudhary, a 42-year-old man formerly of Mississauga but now listed by police as being of no fixed address. He is wanted for theft over $5,000, conspiracy to commit an indictable offence, and possession of property obtained by crime.

Peel Regional Police said the two wanted men should get a lawyer and turn themselves into police.

Grover was held for a bail hearing and attended the Ontario Court of Justice in Brampton.

Peel police said investigators, working with the U.S. Bureau of Alcohol, Tobacco and Firearms, which is handling the gun running probe, continues to “make significant progress in the investigation.”

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Putin and Xi’s ‘no-limits’ friendship will be put to the test on state visit to China

Russia, shunned from the world stage, and China, subject to new US tariffs, want to pivot further from the west

H aving secured a mandate to extend his rule of Russia to three decades, Vladimir Putin has arrived in Beijing on a state visit to meet Xi Jinping intended to shore up his most important international relationship.

The two men toasted their “no-limits” friendship in February 2022 – meant as a counterweight to the global influence of the US. That partnership has increasingly come under pressure as the Biden administration sought to isolate Russia from its Chinese lifeline after the full-scale invasion in Ukraine, which began later the same month.

But as the Biden administration unveiled tariffs on $18bn of Chinese imports on Tuesday, the strength of Xi and Putin’s relationship, based on a mutual opposition to a Washington-led global consensus, is likely to be bolstered this week.

Xi and Putin will gather with policy teams specialising in trade, energy and security cooperation. The two sides will be looking for ways to quietly circumvent US restrictions that have driven down Chinese exports to Russia following a postwar boom in both consumer products and dual-use goods that have been crucial to the Russian war machine in Ukraine.

Analysts in China and Russia said that while Beijing would prefer a quick end to the fighting in Ukraine, it would nonetheless tolerate the war and continue to prioritise trade and diplomatic relations with Moscow over the west while seeking to extract favourable conditions for greater trade and economic ties.

Russia, which has signalled it is unwilling to abandon the war, will become increasingly dependent on China as a trade partner and as a key diplomatic ally in its deepening conflict with the west.

In an interview with Xinhua state news agency released on Wednesday, Putin praised economic ties between the two countries, saying: “Today, Russia-China relations have reached the highest level ever, and despite the difficult global situation continue to get stronger.”

“If this is an existential war, then what are their other options?” said Alexander Gabuev, the director of the Carnegie Russia Eurasia Center. “There is no other China than China. Only China can bring in all this technology, from washing machines and cars to military-grade chips. Only China can provide its financial system and currency. Only China has this side of the market for all of these goods. India stands close to this, but China is bigger. And then there are the logistics. So there is simply no replacement.”

Yet US sanctions and Chinese fears of secondary sanctions have taken a toll, with a clear dip in Chinese exports after US threats in December to impose sanctions on any bank clearing payments for goods used in Russian military production.

Observers have noted that Chinese exports to Russia have dropped significantly in recent months after more than two years of booming bilateral trade since Russia invaded Ukraine in February 2022. Chinese exports to Russia fell to $8.3bn in April, according to preliminary statistics, a drop of nearly 14% compared with April 2023. In the first four months of 2024, exports fell by 2% in US dollar terms, although overall bilateral trade was still up by nearly 5% compared with 2023.

Shen Dingli, an international relations scholar based in Shanghai, said that the drop in Chinese exports to Russia “could be active risk aversion by Chinese companies in the face of US and western financial sanctions”.

Analysts in China and Russia told the Guardian that the two sides will look to resist US pressure to disengage from one another and will seek to find workarounds that could allow them to continue to expand trade away from the watchful eye of the US.

“When it comes to economics, the most critical question is the payment issue,” said Alexey Maslov, director of the Institute of Far Eastern Studies at the Russian Academy of Sciences.

China’s major banks are throttling payments out of concern over US sanctions, Maslov said, and Russia has proposed to solve the issue via a decentralised payment system that the west would be unable to track. “Both sides will look for sanctions-proof mechanisms going forward,” said Maslov.

Alexandra Prokopenko, a fellow at the Carnegie Russia Eurasia Center and former adviser to the Russian central bank, wrote that the teams would probably use the summit to brainstorm options to circumvent US restrictions before quietly implementing them, potentially developing tools that could be used by other countries seeking to evade US restrictions on trade.

“It is unlikely that we will hear statements as to how they plan to solve the sanctions given the sensitivity of the subject, it will just be quietly implemented,” said Vasiliy Kashin, a China specialist from the Center for Analysis of Strategies and Technology, a Moscow-based research group. “The drop in trade is likely to be just temporary, American efforts will turn out to be somewhat pointless. It is wishful thinking that China will just accept US pressure.”

China officially opposes US sanctions but in reality, banks and companies often find ways to comply so as to avoid encountering blowback from the US or being blocked from US dollar payments. One way to circumvent the restrictions is to trade through third countries.

Chinese exports to central Asian countries have surged since the start of the war in Ukraine. Compared with 2021, exports in 2023 to Kyrgyzstan, Kazakhstan and Tajikistan were up 164%, 77% and 118% respectively. Joseph Webster, a senior fellow at the Atlantic Council, has noted that dual-use technology in particular has seen an increase in trade through central Asia. In 2023 Kyrgyzstan’s imports of Chinese ball bearings, which can be used in tank production, rose by more than 1,500% compared with 2021. “There is no apparent legitimate reason for this dramatic surge,” Webster wrote, adding that the ball bearings are “almost certainly diverted to Russia”.

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Russia also hopes to address its declining gas exports, which have plummeted since its invasion of Ukraine, resulting in record losses for Gazprom, once the country’s most profitable company. But observers question whether Moscow and Beijing will be able to finalise an agreement on the Power of Siberia 2 pipeline, a long-anticipated project that would supply China with Russian gas.

To bolster the Kremlin’s efforts at outreach, Putin is bringing an expanded team of advisers and industry leaders to Beijing. Gabuev noted that Putin’s team includes a number of seasoned technocrats that he called the Russian “A-Team”.

They include his new defence minister , Andrei Belousov, a veteran economist and former counterpart to Ding Xuexiang, a close ally of Xi and a member of the politburo standing committee, and Denis Manturov, a deputy prime minister acting as a point man for Russia’s military-industrial complex. Putin will meet with Chinese premier Li Qiang, to discuss economic cooperation.

Gabuev said: “They have invested a lot of effort to really get the teams acquainted, establish personal bonds, make them friendly. And now the Russian officials are not pulled in a thousand different directions because of Europeans and Americans because nobody talks to them.”

But Putin still holds some cards in the relationship with Beijing. Shen noted that Russia remains an important source of food and energy for China, as well as “strategic collaboration” on the international stage.

In his Xinhua interview on Wednesday, Putin said the two countries were working to build “equal, mutually beneficial economic and humanitarian cooperation, and strengthen foreign policy coordination in the interests of building a just multipolar world order.”

Webster said: “Meeting with Putin in Beijing allows Xi to hint that he might respond to western actions asymmetrically, such as by extending even greater semi-overt support for the Russian defence industrial base.”

That signalling is particularly acute under the shadow of the new Biden tariffs, which extends the Trump-era trade war. Trump introduced levies on more than $300bn of Chinese imports; Biden added $18bn of goods to that total this week. Tariffs were extended or introduced on a range of strategic sectors, including solar panels, electric vehicles and semiconductors. On EVs, rates were hiked from 25% to 100%.

All this prompted outrage from Beijing. Wang Wenbin, a foreign ministry spokesperson, said it was a “naked act of bullying”.

The ‘no-limits’ friendship between Putin and Xi

Putin’s relationship with Xi first took shape in May of 2014 when the Russian leader travelled to Beijing for a two-day state visit to discuss a major gas supply deal. The visit came on the heels of Russia’s annexation of Crimea, causing Moscow to be shunned by much of the western world.

Xi promptly returned the favour by visiting Moscow and sitting alongside Putin during the city’s Victory Parade, which celebrates its win over Nazi Germany. The parade was boycotted by western leaders as Russian-backed rebels seized territory in eastern Ukraine.

In the autumn of 2018, both countries celebrated their newfound military cooperation as China participated for the first time in large-scale strategic drills hosted by Moscow.

At the height of the US-China trade war in 2019, Xi flew to Moscow and praised Putin as his “best friend”. During the visit, the Kremlin announced that trade between Russia and China grew almost 25% over 2018. Xi ended the trip by giving Putin two pandas for the Moscow zoo.

Weeks before Putin sent his troops to invade Ukraine on 24 February 2022, the Russian leader flew to Beijing where the two leaders famously celebrated their “no-limits” friendship.

In an unmistakable show of support for Putin after his decision to invade Ukraine, Xi travelled to Moscow in the spring of 2023. Amid Moscow’s increasing isolation from the west, the three-day summit underscored the Kremlin’s growing economic dependence on Beijing, as bilateral trade between the two countries surged.

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The Possible Collapse of the U.S. Home Insurance System

A times investigation found climate change may now be a concern for every homeowner in the country..

This transcript was created using speech recognition software. While it has been reviewed by human transcribers, it may contain errors. Please review the episode audio before quoting from this transcript and email [email protected] with any questions.

From “The New York Times,” I’m Sabrina Tavernise. And this is “The Daily.”

[MUSIC PLAYING]

Today, my colleague, Christopher Flavelle, on a “Times” investigation into one of the least known and most consequential effects of climate change — insurance — and why it may now be a concern for every homeowner in the country.

It’s Wednesday, May 15.

So, Chris, you and I talked a while ago about how climate change was really wreaking havoc in the insurance market in Florida. You’ve just done an investigation that takes a look into the insurance markets more broadly and more deeply. Tell us about it.

Yeah, so I cover climate change, in particular the way climate shocks affect different parts of American life. And insurance has become a really big part of that coverage. And Florida is a great example. As hurricanes have gotten worse and more frequent, insurers are paying out more and more money to rebuild people’s homes. And that’s driving up insurance costs and ultimately driving up the cost of owning a home in Florida.

So we’re already seeing that climate impact on the housing market in Florida. My colleagues and I started to think, well, could it be that that kind of disruption is also happening in other states, not just in the obvious coastal states but maybe even through the middle of the US? So we set out to find out just how much it is happening, how much that Florida turmoil has, in fact, become really a contagion that is spreading across the country.

So how did you go about reporting this? I mean, where did you start?

All we knew at the start of this was that there was reason to think this might be a problem. If you just look at how the federal government tracks disasters around the country, there’s been a big increase almost every year in the number and severity of all kinds of disasters around the country. So we thought, OK, it’s worth trying to find out, what does that mean for insurers?

The problem is getting data on the insurance industry is actually really hard. There’s no federal regulation. There’s no government agency you can go to that holds this data. If you talk to the insurers directly, they tend to be a little reluctant to share information about what they’re going through. So we weren’t sure where to go until, finally, we realized the best people to ask are the people whose job it is to gauge the financial health of insurance companies.

Those are rating agencies. In particular, there’s one rating company called AM Best, whose whole purpose is to tell investors how healthy an insurance company is.

Whoa. So this is way down in the nuts and bolts of the US insurance industry.

Right. This is a part of the broader economy that most people would never experience. But we asked them to do something special for us. We said, hey, can you help us find the one number that would tell us reporters just how healthy or unhealthy this insurance market is state by state over time? And it turns out, there is just such a number. It’s called a combined ratio.

OK, plain English?

Plain English, it is the ratio of revenue to costs, how much money these guys take in for homeowner’s insurance and how much they pay out in costs and losses. You want your revenue to be higher than your costs. If not, you’re in trouble.

So what did you find out?

Well, we got that number for every state, going back more than a decade. And what it showed us was our suspicions were right. This market turmoil that we were seeing in Florida and California has indeed been spreading across the country. And in fact, it turns out that in 18 states, last year, the homeowner’s insurance market lost money. And that’s a big jump from 5 or 10 years ago and spells real trouble for insurance and for homeowners and for almost every part of the economy.

So the contagion was real.

Right. This is our first window showing us just how far that contagion had spread. And one of the really striking things about this data was it showed the contagion had spread to places that I wouldn’t have thought of as especially prone to climate shocks — for example, a lot of the Midwest, a lot of the Southeast. In fact, if you think of a map of the country, there was no state between Pennsylvania and the Dakotas that didn’t lose money on homeowner’s insurance last year.

So just huge parts of the middle of the US have become unprofitable for homeowner’s insurance. This market is starting to buckle under the cost of climate change.

And this is all happening really fast. When we did the Florida episode two years ago, it was a completely new phenomenon and really only in Florida. And now it’s everywhere.

Yeah. And that’s exactly what’s so striking here. The rate at which this is becoming, again, a contagion and spreading across the country is just demolishing the expectations of anyone I’ve spoken to. No one thought that this problem would affect so much of the US so quickly.

So in these states, these new places that the contagion has spread to, what exactly is happening that’s causing the insurance companies to fold up shop?

Yeah. Something really particular is happening in a lot of these states. And it’s worth noting how it’s surprised everyone. And what that is, is formally unimportant weather events, like hailstorms or windstorms, those didn’t used to be the kind of thing that would scare insurance companies. Obviously, a big problem if it destroys your home or damages your home. But for insurers, it wasn’t going to wipe them out financially.

Right. It wasn’t just a complete and utter wipeout that the company would then have to pony up a lot of money for.

Exactly. And insurers call them secondary perils, sort of a belittling term, something other than a big deal, like a hurricane.

These minor league weather events.

Right. But those are becoming so frequent and so much more intense that they can cause existential threats for insurance companies. And insurers are now fleeing states not because of hurricanes but because those former things that were small are now big. Hailstorms, wildfires in some places, previous annoyances are becoming real threats to insurers.

Chris, what’s the big picture on what insurers are actually facing? What’s happening out there numbers-wise?

This is a huge threat. In terms of the number of states where this industry is losing money, it’s more than doubled from 10 years ago to basically a third of the country. The amount they’re losing is enormous. In some states, insurers are paying out $1.25 or even $1.50 for every dollar they bring in, in revenue, which is totally unsustainable.

And the result is insurers are making changes. They are pulling back from these markets. They’re hiking premiums. And often, they’re just dropping customers. And that’s where this becomes real, not just for people who surf balance sheets and trade in the stock market. This is becoming real for homeowners around the country, who all of a sudden increasingly can’t get insurance.

So, Chris, what’s the actual implication? I mean, what happens when people in a state can’t get insurance for their homes?

Getting insurance for a home is crucial if you want to sell or buy a home. Most people can’t buy a home without a mortgage. And banks won’t issue a mortgage without home insurance. So if you’ve got a home that insurance company doesn’t want to cover, you got a real problem. You need to find insurance, or that home becomes very close to unsellable.

And as you get fewer buyers, the price goes down. So this doesn’t just hurt people who are paying for these insurance premiums. It hurts people who want to sell their homes. It even could hurt, at some point, whole local economies. If home values fall, governments take in less tax revenue. That means less money for schools and police. It also means people who get hit by disasters and have to rebuild their homes all of a sudden can’t, because their insurance isn’t available anymore. It’s hard to overstate just how big a deal this is.

And is that actually happening, Chris? I mean, are housing markets being dragged down because of this problem with the insurance markets right now?

Anecdotally, we’ve got reports that in places like Florida and Louisiana and maybe in parts of California, the difficulty of getting insurance, the crazy high cost of insurance is starting to depress demand because not everyone can afford to pay these really high costs, even if they have insurance. But what we wanted to focus on with this story was also, OK, we know where this goes eventually. But where is it beginning? What are the places that are just starting to feel these shocks from the insurance market?

And so I called around and asked insurance agents, who are the front lines of this. They’re the ones who are struggling to find insurance for homeowners. And I said, hey, is there one place that I should go if I want to understand what it looks like to homeowners when all of a sudden insurance becomes really expensive or you can’t even find it? And those insurance agents told me, if you want to see what this looks like in real life, go to a little town called Marshalltown in the middle of Iowa.

We’ll be right back.

So, Chris, you went to Marshalltown, Iowa. What did you find?

Even before I got to Marshalltown, I had some idea I was in the right spot. When I landed in Des Moines and went to rent a car, the nice woman at the desk who rented me a car, she said, what are you doing here? I said, I’m here to write a story about people in Iowa who can’t get insurance because of storms. She said, oh, yeah, I know all about that. That’s a big problem here.

Even the rental car lady.

Even the rental car lady knew something was going on. And so I got into my rental car and drove about an hour northeast of Des Moines, through some rolling hills, to this lovely little town of Marshalltown. Marshalltown is a really cute, little Midwestern town with old homes and a beautiful courthouse in the town square. And when I drove through, I couldn’t help noticing all the roofs looked new.

What does that tell you?

Turns out Marshalltown, despite being a pastoral image of Midwestern easy living, was hit by two really bad disasters in recent years — first, a devastating tornado in 2018 and then, in 2020, what’s called a derecho, a straight-line wind event that’s also just enormously damaging. And the result was lots of homes in this small town got severely damaged in a short period of time. And so when you drive down, you see all these new roofs that give you the sense that something’s going on.

So climate had come to Marshalltown?

Exactly. A place that had previously seemed maybe safe from climate change, if there is such a thing, all of a sudden was not. So I found an insurance agent in Marshalltown —

We talked to other agents but haven’t talked to many homeowners.

— named Bobby Shomo. And he invited me to his office early one morning and said, come meet some people. And so I parked on a quiet street outside of his office, across the street from the courthouse, which also had a new roof, and went into his conference room and met a procession of clients who all had versions of the same horror story.

It was more — well more of double.

A huge reduction in coverage with a huge price increase.

Some people had faced big premium hikes.

I’m just a little, small business owner. So every little bit I do feel.

They had so much trouble with their insurance company.

I was with IMT Insurance forever. And then when I moved in 2020, Bobby said they won’t insure a pool.

Some people had gotten dropped.

Where we used to see carriers canceling someone for frequency of three or four or five claims, it’s one or two now.

Some people couldn’t get the coverage they needed. But it was versions of the same tale, which is all of a sudden, having homeowner’s insurance in Marshalltown was really difficult. But I wanted to see if it was bigger than just Marshalltown. So the next day, I got back in my car and drove east to Cedar Rapids, where I met another person having a version of the same problem, a guy named Dave Langston.

Tell me about Dave.

Dave lives in a handsome, modest, little townhouse on a quiet cul-de-sac on a hill at the edge of Cedar Rapids. He’s the president of his homeowners association. There’s 17 homes on this little street. And this is just as far as you could get from a danger zone. It looks as safe as could be. But in January, they got a letter from the company that insures him and his neighbors, saying his policy was being canceled, even though it wasn’t as though they’d just been hit by some giant storm.

So then what was the reason they gave?

They didn’t give a reason. And I think people might not realize, insurers don’t have to give a reason. Insurance policies are year to year. And if your insurance company decides that you’re too much of a risk or your neighborhood is too much of a risk or your state is too much of a risk, they can just leave. They can send you a letter saying, forget it. We’re canceling your insurance. There’s almost no protection people have.

And in this case, the reason was that this insurance company was losing too much money in Iowa and didn’t want to keep on writing homeowner’s insurance in the state. That was the situation that Dave shared with tens of thousands of people across the state that were all getting similar letters.

What made Dave’s situation a little more challenging was that he couldn’t get new insurance. He tried for months through agent after agent after agent. And every company told him the same thing. We won’t cover you. Even though these homes are perfectly safe in a safe part of the state, nobody would say yes. And it took them until basically two days before their insurance policy was going to run out until they finally found new coverage that was far more expensive and far more bare-bones than what they’d had.

But at least it was something.

It was something. But the problem was it wasn’t that good. Under this new policy, if Dave’s street got hit by another big windstorm, the damage from that storm and fixing that damage would wipe out all the savings set aside by these homeowners. The deductible would be crushingly high — $120,000 — to replace those roofs if the worst happened because the insurance money just wouldn’t cover anywhere close to the cost of rebuilding.

He said to me, we didn’t do anything wrong. This is just what insurance looks like today. And today, it’s us in Cedar Rapids. Everyone, though, is going to face a situation like this eventually. And Dave is right. I talked to insurance agents around the country. And they confirmed for me that this kind of a shift towards a new type of insurance, insurance that’s more expensive and doesn’t cover as much and makes it harder to rebuild after a big disaster, it’s becoming more and more common around the country.

So, Chris, if Dave and the people you spoke to in Iowa were really evidence that your hunch was right, that the problem is spreading and rapidly, what are the possible fixes here?

The fix that people seem most hopeful about is this idea that, what if you could reduce the risk and cause there to be less damage in the first place? So what some states are doing is they’re trying to encourage homeowners to spend more money on hardening their home or adding a new roof or, if it’s a wildfire zone, cut back the vegetation, things that can reduce your risk of having really serious losses. And to help pay for that, they’re telling insurers, you’ve got to offer a discount to people who do that.

And everyone who works in this field says, in theory, that’s the right approach. The problem is, number one, hardening a home costs a fantastic amount of money. So doing this at scale is hugely expensive. Number two, it takes a long time to actually get enough homes hardened in this way that you can make a real dent for insurance companies. We’re talking about years or probably decades before that has a real effect, if it ever works.

OK. So that sounds not particularly realistic, given the urgency and the timeline we’re on here. So what else are people looking at?

Option number two is the government gets involved. And instead of most Americans buying home insurance from a private company, they start buying it from government programs that are designed to make sure that people, even in risky places, can still buy insurance. That would be just a gargantuan undertaking. The idea of the government providing homeowner’s insurance because private companies can’t or won’t would lead to one of the biggest government programs that exists, if we could even do it.

So huge change, like the federal government actually trying to write these markets by itself by providing homeowner’s insurance. But is that really feasible?

Well, in some areas, we’re actually already doing it. The government already provides flood insurance because for decades, most private insurers have not wanted to cover flood. It’s too risky. It’s too expensive. But that change, with governments taking over that role, creates a new problem of its own because the government providing flood insurance that you otherwise couldn’t get means people have been building and building in flood-prone areas because they know they can get that guaranteed flood insurance.

Interesting. So that’s a huge new downside. The government would be incentivizing people to move to places that they shouldn’t be.

That’s right. But there’s even one more problem with that approach of using the government to try to solve this problem, which is these costs keep growing. The number of billion-dollar disasters the US experiences every year keeps going up. And at some point, even if the government pays the cost through some sort of subsidized insurance, what happens when that cost is so great that we can no longer afford to pay it? That’s the really hard question that no official can answer.

So that’s pretty doomsday, Chris. Are we looking at the end of insurance?

I think it’s fair to say that we’re looking at the end of insurance as we know it, the end of insurance that means most Americans can rest assured that if they get hit by a disaster, their insurance company will provide enough money they can rebuild. That idea might be going away. And what it shows is maybe the threat of climate change isn’t quite what we thought.

Maybe instead of climate change wrecking communities in the form of a big storm or a wildfire or a flood, maybe even before those things happen, climate change can wreck communities by something as seemingly mundane and even boring as insurance. Maybe the harbinger of doom is not a giant storm but an anodyne letter from your insurance company, saying, we’re sorry to inform you we can no longer cover your home.

Maybe the future of climate change is best seen not by poring over weather data from NOAA but by poring over spreadsheets from rating firms, showing the profitability from insurance companies, and how bit by bit, that money that they’re losing around the country tells its own story. And the story is these shocks are actually already here.

Chris, as always, terrifying to talk to you.

Always a pleasure, Sabrina.

Here’s what else you should know today. On Tuesday, the United Nations has reclassified the number of women and children killed in Gaza, saying that it does not have enough identifying information to know exactly how many of the total dead are women and children. The UN now estimates that about 5,000 women and about 8,000 children have been killed, figures that are about half of what it was previously citing. The UN says the numbers dropped because it is using a more conservative estimate while waiting for information on about 10,000 other dead Gazans who have not yet been identified.

And Mike Johnson, the Speaker of the House, gave a press conference outside the court in Lower Manhattan, where Michael Cohen, the former fixer for Donald Trump, was testifying for a second day, answering questions from Trump’s lawyers. Trump is bound by a gag order. So Johnson joined other stand-ins for the former president to discredit the proceedings. Johnson, one of the most important Republicans in the country, attacked Cohen but also the trial itself, calling it a sham and political theater.

Today’s episode was produced by Nina Feldman, Shannon Lin, and Jessica Cheung. It was edited by MJ Davis Lin, with help from Michael Benoist, contains original music by Dan Powell, Marion Lozano, and Rowan Niemisto, and was engineered by Alyssa Moxley. Our theme music is by Jim Brunberg and Ben Landsverk of Wonderly.

That’s it for “The Daily.” I’m Sabrina Tavernise. See you tomorrow.

• May 16, 2024   •   30:47 The Make-or-Break Testimony of Michael Cohen
• May 15, 2024   •   27:03 The Possible Collapse of the U.S. Home Insurance System
• May 14, 2024   •   35:20 Voters Want Change. In Our Poll, They See It in Trump.
• May 13, 2024   •   27:46 How Biden Adopted Trump’s Trade War With China
• May 10, 2024   •   27:42 Stormy Daniels Takes the Stand
• May 9, 2024   •   34:42 One Strongman, One Billion Voters, and the Future of India
• May 8, 2024   •   28:28 A Plan to Remake the Middle East
• May 7, 2024   •   27:43 How Changing Ocean Temperatures Could Upend Life on Earth
• May 6, 2024   •   29:23 R.F.K. Jr.’s Battle to Get on the Ballot
• May 3, 2024   •   25:33 The Protesters and the President
• May 2, 2024   •   29:13 Biden Loosens Up on Weed
• May 1, 2024   •   35:16 The New Abortion Fight Before the Supreme Court

Hosted by Sabrina Tavernise

Featuring Christopher Flavelle

Produced by Nina Feldman ,  Shannon M. Lin and Jessica Cheung

Edited by MJ Davis Lin

With Michael Benoist

Original music by Dan Powell ,  Marion Lozano and Rowan Niemisto

Engineered by Alyssa Moxley

Listen and follow The Daily Apple Podcasts | Spotify | Amazon Music | YouTube

Across the United States, more frequent extreme weather is starting to cause the home insurance market to buckle, even for those who have paid their premiums dutifully year after year.

Christopher Flavelle, a climate reporter, discusses a Times investigation into one of the most consequential effects of the changes.

On today’s episode

Christopher Flavelle , a climate change reporter for The New York Times.

Background reading

As American insurers bleed cash from climate shocks , homeowners lose.

See how the home insurance crunch affects the market in each state .

Here are four takeaways from The Times’s investigation.

There are a lot of ways to listen to The Daily. Here’s how.

We aim to make transcripts available the next workday after an episode’s publication. You can find them at the top of the page.

Christopher Flavelle contributed reporting.

The Daily is made by Rachel Quester, Lynsea Garrison, Clare Toeniskoetter, Paige Cowett, Michael Simon Johnson, Brad Fisher, Chris Wood, Jessica Cheung, Stella Tan, Alexandra Leigh Young, Lisa Chow, Eric Krupke, Marc Georges, Luke Vander Ploeg, M.J. Davis Lin, Dan Powell, Sydney Harper, Mike Benoist, Liz O. Baylen, Asthaa Chaturvedi, Rachelle Bonja, Diana Nguyen, Marion Lozano, Corey Schreppel, Rob Szypko, Elisheba Ittoop, Mooj Zadie, Patricia Willens, Rowan Niemisto, Jody Becker, Rikki Novetsky, John Ketchum, Nina Feldman, Will Reid, Carlos Prieto, Ben Calhoun, Susan Lee, Lexie Diao, Mary Wilson, Alex Stern, Dan Farrell, Sophia Lanman, Shannon Lin, Diane Wong, Devon Taylor, Alyssa Moxley, Summer Thomad, Olivia Natt, Daniel Ramirez and Brendan Klinkenberg.

Our theme music is by Jim Brunberg and Ben Landsverk of Wonderly. Special thanks to Sam Dolnick, Paula Szuchman, Lisa Tobin, Larissa Anderson, Julia Simon, Sofia Milan, Mahima Chablani, Elizabeth Davis-Moorer, Jeffrey Miranda, Renan Borelli, Maddy Masiello, Isabella Anderson and Nina Lassam.

Christopher Flavelle is a Times reporter who writes about how the United States is trying to adapt to the effects of climate change. More about Christopher Flavelle

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