{"title":"Diamond Earrings on EMI","description":"\u003ch2\u003eDiamond earrings on EMI: the short answer\u003c\/h2\u003e\u003cp\u003e\u003cstrong\u003eYes. You can buy lab grown diamond earrings and studs on EMI at Lucira when the pair is priced above ₹50,000.\u003c\/strong\u003e EMI covers the diamond, making charges and GST. You pay the gold component as the down payment and spread the rest over 3 or 6 months, with no extra EMI cost and a ₹0 processing fee. Approval is subject to eligibility.\u003c\/p\u003e\u003ch2\u003eEMI on diamond earrings at a glance\u003c\/h2\u003e\u003ctable\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eQuestion\u003c\/th\u003e\n\u003cth\u003eAnswer\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eMinimum price\u003c\/td\u003e\n\u003ctd\u003e₹50,000 for the pair, based on the version you choose\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWhat goes on EMI\u003c\/td\u003e\n\u003ctd\u003eThe diamond, making charges and GST\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWhat you pay upfront\u003c\/td\u003e\n\u003ctd\u003eThe gold component, as the down payment\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTenure\u003c\/td\u003e\n\u003ctd\u003e3 or 6 months\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCost\u003c\/td\u003e\n\u003ctd\u003eNo cost EMI, ₹0 processing fee, no extra EMI cost when you pay on time\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMinimum EMI amount\u003c\/td\u003e\n\u003ctd\u003eThe diamond, making charges and GST that go on EMI must total at least ₹20,000\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBounced EMI\u003c\/td\u003e\n\u003ctd\u003e₹650 for each bounced EMI\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eApproval\u003c\/td\u003e\n\u003ctd\u003eSubject to eligibility. Criteria and documents are on \u003ca href=\"https:\/\/www.lucirajewelry.com\/collections\/jewellery-on-emi\"\u003eLucira Jewelry's EMI page\u003c\/a\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\u003ch2\u003eHow to buy diamond earrings on EMI\u003c\/h2\u003e\u003col\u003e\n\u003cli\u003eChoose a pair from the grid above, then pick the gold colour and the diamond size.\u003c\/li\u003e\n\u003cli\u003eCheck that the price of that version is above ₹50,000 and that its diamond, making charges and GST total at least ₹20,000.\u003c\/li\u003e\n\u003cli\u003ePay the gold component as the down payment and choose 3 or 6 months.\u003c\/li\u003e\n\u003cli\u003eComplete KYC and approval. See \u003ca href=\"https:\/\/www.lucirajewelry.com\/collections\/jewellery-on-emi\"\u003ehow EMI works at Lucira\u003c\/a\u003e for the full criteria.\u003c\/li\u003e\n\u003cli\u003eOnce the EMI, KYC, approval and order formalities are done, an eligible ready-to-ship or made-to-order pair is handed over. The remaining EMIs continue as scheduled.\u003c\/li\u003e\n\u003c\/ol\u003e\u003ch2\u003eA worked example (illustration only)\u003c\/h2\u003e\u003cp\u003eSay a pair of studs costs ₹70,000, of which ₹10,000 is the gold component and ₹60,000 is the diamond, making charges and GST. You pay ₹10,000 as the down payment. The ₹60,000 goes on EMI: ₹20,000 a month for 3 months, or ₹10,000 a month for 6 months, with no extra EMI cost.\u003c\/p\u003e\u003cp\u003eThese are round numbers to show the method, not a quote for any Lucira earrings. On studs the diamond is most of the price, so the gold share is usually small.\u003c\/p\u003e\u003ch2\u003eLab grown diamond earrings: why buyers choose them\u003c\/h2\u003e\u003cp\u003eA lab grown diamond is real diamond. It has the same chemical make-up and crystal structure as a mined one and is graded on the same four Cs: cut, colour, clarity and carat. Because it is grown in a controlled setting, the same budget usually buys a larger or better pair. Earrings are where this shows most, since a pair needs two matched diamonds.\u003c\/p\u003e\u003ch2\u003eHow to choose diamond earrings\u003c\/h2\u003e\u003ctable\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eStyle\u003c\/th\u003e\n\u003cth\u003eWhat it looks like\u003c\/th\u003e\n\u003cth\u003eSuits\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eSolitaire studs\u003c\/td\u003e\n\u003ctd\u003eOne round or shaped diamond per ear, set in prongs or a basket\u003c\/td\u003e\n\u003ctd\u003eDaily wear, a first diamond purchase, gifts\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eHalo and cluster studs\u003c\/td\u003e\n\u003ctd\u003eA centre diamond ringed by smaller ones\u003c\/td\u003e\n\u003ctd\u003eBuyers who want a larger look for the same weight\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eHoops\u003c\/td\u003e\n\u003ctd\u003eA diamond-set circle that follows the ear\u003c\/td\u003e\n\u003ctd\u003eParties and festive wear\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDrops and danglers\u003c\/td\u003e\n\u003ctd\u003eDiamonds that hang below the ear, in pear, round or teardrop shapes\u003c\/td\u003e\n\u003ctd\u003eWeddings and occasion wear\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eThreaders\u003c\/td\u003e\n\u003ctd\u003eA fine chain with diamonds that passes through the ear\u003c\/td\u003e\n\u003ctd\u003eModern, light looks\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMen's studs\u003c\/td\u003e\n\u003ctd\u003ePlain solitaire studs in a firm setting\u003c\/td\u003e\n\u003ctd\u003eGifts and everyday wear\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\u003ch3\u003eDiamond size and carat weight\u003c\/h3\u003e\u003cp\u003eCarat is weight, so a pair listed as 1 carat usually has two diamonds of about half a carat each. Check whether the weight on the product page is for one stone or for the pair, since a listing of 1 carat total is not the same as 1 carat each. As a guide, a round diamond of 5 mm is about half a carat, and one of 6.5 mm is about one carat. Our studs list sizes in millimetres, so you can compare them by look as well as by weight.\u003c\/p\u003e\u003ch3\u003eSettings and backs\u003c\/h3\u003e\u003cp\u003eProng settings let the most light in. Basket settings sit the diamond higher on the post. Screw backs hold the stud more firmly than push backs, so they are the better pick for everyday wear and for higher-value studs.\u003c\/p\u003e\u003ch3\u003eMetal and gold colour\u003c\/h3\u003e\u003cp\u003eLucira earrings come in 14KT and 18KT gold, in yellow, white and rose gold. 18KT is 75 percent pure gold with a richer colour. 14KT is about 58 percent pure gold and is a little harder. White gold gives the cooler look that suits a diamond best.\u003c\/p\u003e\u003ch2\u003ePrices on this page and the ₹50,000 line\u003c\/h2\u003e\u003cp\u003eMany earrings sit close to ₹50,000, so the line matters here. A design page shows a starting price, and that price can be below ₹50,000, because each design comes in several diamond sizes and metals. EMI applies to the pair you pick when its total price is above ₹50,000.\u003c\/p\u003e\u003cp\u003eIf a pair you like starts just under the line, the next diamond size or the 18KT version may take it over. If you stay below it, you can pay in full. Also check that the diamond, making charges and GST together reach ₹20,000, or the loan will not be approved.\u003c\/p\u003e\u003ch2\u003eLucira EMI, credit card EMI, personal loan or pay in full?\u003c\/h2\u003e\u003cp\u003eEMI suits a planned purchase, such as an anniversary or a milestone birthday, when you want a better pair without paying it all at once. Here is how the routes compare.\u003c\/p\u003e\u003ctable\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eRoute\u003c\/th\u003e\n\u003cth\u003eHow it works\u003c\/th\u003e\n\u003cth\u003eCost to check\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eLucira no cost EMI\u003c\/td\u003e\n\u003ctd\u003eThe diamond, making charges and GST are split over 3 or 6 months. The gold component is paid upfront.\u003c\/td\u003e\n\u003ctd\u003e₹0 processing fee, no extra EMI cost when you pay on time, ₹650 for each bounced EMI\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCredit card EMI\u003c\/td\u003e\n\u003ctd\u003eYour bank converts the purchase into instalments on your card.\u003c\/td\u003e\n\u003ctd\u003eInterest and fees are set by your bank, so read its terms\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePersonal loan\u003c\/td\u003e\n\u003ctd\u003eA lender pays and you repay in instalments, often over a longer period.\u003c\/td\u003e\n\u003ctd\u003eInterest and processing fee are set by the lender, so compare the total amount you will pay\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePay in full\u003c\/td\u003e\n\u003ctd\u003eOne payment, no monthly commitments.\u003c\/td\u003e\n\u003ctd\u003eNone, and it works at every price\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003e\u003ca href=\"https:\/\/www.lucirajewelry.com\/schemes\"\u003eVault of Dreams\u003c\/a\u003e\u003c\/td\u003e\n\u003ctd\u003eSave first, then buy.\u003c\/td\u003e\n\u003ctd\u003eRead the scheme terms on the scheme page\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\u003cp\u003eWhichever route you pick, compare the total you will pay, not only the monthly figure.\u003c\/p\u003e\u003ch2\u003eBuying earrings as a gift\u003c\/h2\u003e\u003cul\u003e\n\u003cli\u003eSolitaire studs are the safest gift because they go with every outfit.\u003c\/li\u003e\n\u003cli\u003eChoose the gold colour she already wears.\u003c\/li\u003e\n\u003cli\u003eCheck that her ears are pierced, and ask whether she prefers studs or drops.\u003c\/li\u003e\n\u003cli\u003eCheck the delivery timeline for your design before a birthday, anniversary or festival. Allow extra time in the festive and wedding season.\u003c\/li\u003e\n\u003cli\u003eMany designs offer Virtual Try On, so you can see how a size looks.\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch2\u003eCare and wear\u003c\/h2\u003e\u003cp\u003eRemove earrings before sleeping, swimming or exercise. Wipe the diamonds with a soft cloth and store each pair in its own pouch so the stones do not scratch the metal.\u003c\/p\u003e\u003ch2\u003eSee earrings in person\u003c\/h2\u003e\u003cp\u003eLucira has Experience Centres in Mumbai (Chembur and Borivali), Pune (JM Road), Noida (Wave One) and Delhi (Lajpat Nagar and Paschim Vihar).\u003c\/p\u003e\u003ch2\u003eMore ways to browse\u003c\/h2\u003e\u003cp\u003eStart with \u003ca href=\"https:\/\/www.lucirajewelry.com\/collections\/stud-earrings\"\u003estud earrings\u003c\/a\u003e, \u003ca href=\"https:\/\/www.lucirajewelry.com\/collections\/diamond-hoop-earrings\"\u003ediamond hoop earrings\u003c\/a\u003e or \u003ca href=\"https:\/\/www.lucirajewelry.com\/collections\/solitaire-earrings\"\u003esolitaire earrings\u003c\/a\u003e, or see every pair in \u003ca href=\"https:\/\/www.lucirajewelry.com\/collections\/earrings\"\u003eearrings\u003c\/a\u003e. To shop other pieces, see all \u003ca href=\"https:\/\/www.lucirajewelry.com\/collections\/diamond-jewellery-on-emi\"\u003ediamond jewellery on EMI\u003c\/a\u003e.\u003c\/p\u003e\u003ch2\u003eFAQs\u003c\/h2\u003e\u003ch3\u003eCan I buy diamond earrings on EMI?\u003c\/h3\u003e\u003cp\u003eYes. Diamond earrings can go on EMI when the pair you choose is priced above ₹50,000 and you meet the eligibility criteria.\u003c\/p\u003e\u003ch3\u003eCan I buy lab grown diamond studs on EMI?\u003c\/h3\u003e\u003cp\u003eYes, on the same terms. Studs appear on this page when the pair is above ₹50,000.\u003c\/p\u003e\u003ch3\u003eCan I buy diamond hoops or drop earrings on EMI?\u003c\/h3\u003e\u003cp\u003eYes, on the same terms, when the version you choose is above ₹50,000.\u003c\/p\u003e\u003ch3\u003eIs the gold on EMI?\u003c\/h3\u003e\u003cp\u003eNo. You pay the gold component as the down payment. EMI covers the diamond, making charges and GST.\u003c\/p\u003e\u003ch3\u003eWhich EMI tenures are available?\u003c\/h3\u003e\u003cp\u003e3 and 6 months.\u003c\/p\u003e\u003ch3\u003eIs there interest or a processing fee?\u003c\/h3\u003e\u003cp\u003eIt is a no cost EMI. The processing fee is ₹0, and no extra EMI cost is charged when you pay on time.\u003c\/p\u003e\u003ch3\u003eWhat if the earrings are below ₹50,000?\u003c\/h3\u003e\u003cp\u003eThey do not qualify for EMI. You can pay in full, or check whether a larger diamond or the 18KT version of the same design is above ₹50,000.\u003c\/p\u003e\u003ch3\u003eIs the ₹50,000 minimum for one earring or the pair?\u003c\/h3\u003e\u003cp\u003eIt is based on the price of the version you buy, which for earrings is the pair.\u003c\/p\u003e\u003ch3\u003eDo I get the earrings before I pay all the EMIs?\u003c\/h3\u003e\u003cp\u003eEligible ready-to-ship and made-to-order pieces are handed over once the EMI, KYC, approval and order formalities are done. The remaining EMIs continue as scheduled.\u003c\/p\u003e\u003ch3\u003eAre lab grown diamond studs good for daily wear?\u003c\/h3\u003e\u003cp\u003eYes. Lab grown diamond has the same hardness as mined diamond, so it suits daily wear with ordinary care.\u003c\/p\u003e\u003ch3\u003eIs a 1 carat pair of studs 1 carat each?\u003c\/h3\u003e\u003cp\u003eNot always. Check whether the listed weight is the total for the pair or for each stone, and read the size in millimetres on the product page.\u003c\/p\u003e\u003ch3\u003eWhat happens if an EMI bounces?\u003c\/h3\u003e\u003cp\u003eA charge of ₹650 applies for each bounced EMI, so keep enough balance in your account on the due date.\u003c\/p\u003e\u003cp\u003e\u003cem\u003eLast updated 16 October 2026. Lucira Jewelry is an Indian brand of lab grown diamond jewellery.\u003c\/em\u003e\u003c\/p\u003e","products":[{"product_id":"four-prong-princess-cut-diamond-stud-earrings","title":"Four-Prong Princess Cut Diamond Stud Earrings","description":"\u003cp\u003e\u003cspan\u003ePromote\u003c\/span\u003e your style with our Four-Prong Princess Cut Diamond Stud Earrings. Featuring brilliant, sparkling diamonds set in a classic four-prong design, these timeless studs add elegance and sophistication to any outfit. Perfect for everyday wear!\u003c\/p\u003e","brand":"Lucira Jewelry","offers":[{"title":"14KT Yellow Gold","offer_id":46274266071258,"sku":"LJ-E00001-14YGLGD","price":88473.0,"currency_code":"INR","in_stock":true},{"title":"14KT Rose Gold","offer_id":46274266104026,"sku":"LJ-E00001-14RGLGD","price":88473.0,"currency_code":"INR","in_stock":true},{"title":"14KT White Gold","offer_id":46274266136794,"sku":"LJ-E00001-14WGLGD","price":88473.0,"currency_code":"INR","in_stock":true},{"title":"18KT Yellow Gold","offer_id":46274266169562,"sku":"LJ-E00001-18YGLGD","price":93745.0,"currency_code":"INR","in_stock":true},{"title":"18KT Rose Gold","offer_id":46274266202330,"sku":"LJ-E00001-18RGLGD","price":93745.0,"currency_code":"INR","in_stock":true},{"title":"18KT White Gold","offer_id":46274266235098,"sku":"LJ-E00001-18WGLGD","price":93745.0,"currency_code":"INR","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0739\/8516\/3482\/files\/LJ-E00001RG_1.webp?v=1749707598"},{"product_id":"round-solaris-drop-earrings","title":"Round Solaris Drop Earrings","description":"\u003cp\u003eAdd a touch of \u003cspan\u003eluxurious\u003c\/span\u003e with our Round Solitaire Drop Earrings. Featuring dazzling round diamonds in a delicate drop design, these earrings offer timeless \u003cspan\u003eglow\u003c\/span\u003e and favourable. for any occasion. Perfect for gifting!\u003c\/p\u003e","brand":"Lucira Jewelry","offers":[{"title":"14KT Yellow Gold","offer_id":46274266366170,"sku":"LJ-E00002-14YGLGD","price":138988.0,"currency_code":"INR","in_stock":true},{"title":"14KT Rose Gold","offer_id":46274266398938,"sku":"LJ-E00002-14RGLGD","price":138988.0,"currency_code":"INR","in_stock":true},{"title":"14KT White Gold","offer_id":46274266431706,"sku":"LJ-E00002-14WGLGD","price":138988.0,"currency_code":"INR","in_stock":true},{"title":"18KT Yellow Gold","offer_id":46274266464474,"sku":"LJ-E00002-18YGLGD","price":148585.0,"currency_code":"INR","in_stock":true},{"title":"18KT Rose Gold","offer_id":46274266497242,"sku":"LJ-E00002-18RGLGD","price":148585.0,"currency_code":"INR","in_stock":true},{"title":"18KT White Gold","offer_id":46274266530010,"sku":"LJ-E00002-18WGLGD","price":148585.0,"currency_code":"INR","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0739\/8516\/3482\/files\/LJ-E00002YG_1_2482971a-5e0d-49dd-b61f-903f62e17174.jpg?v=1786362820"},{"product_id":"3-00-ct-elegant-princess-cut-diamond-stud-earrings","title":"3.00 ct Elegant Princess Cut Diamond Stud Earrings","description":"\u003cp\u003eThese elegant stud earrings feature 3.00 carats of sparkling princess-cut diamonds, showcasing exceptional brilliance and fire. The four-prong setting securely holds each diamond, allowing its beauty to shine through. 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