{"title":"Diamond Mangalsutra on EMI","description":"\u003ch2\u003eDiamond mangalsutra on EMI: the short answer\u003c\/h2\u003e\u003cp\u003e\u003cstrong\u003eYes. You can buy a diamond mangalsutra on EMI at Lucira when it 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 a diamond mangalsutra 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, 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\u003eDiamond mangalsutra price: what decides it\u003c\/h2\u003e\u003cp\u003eThe price of a diamond mangalsutra comes from four things: the weight of the gold chain, the gold purity (14KT or 18KT), the size and number of diamonds, and making charges plus GST. A light chain with a small cluster costs much less than a long chain with a large solitaire pendant.\u003c\/p\u003e\u003cp\u003eDesigns on this page run from about ₹50,000 to well over ₹1 lakh. Cluster and floral designs sit at the lower end, and solitaire, pear and marquise designs sit higher. Pieces below ₹50,000 can be paid in full but do not qualify for EMI.\u003c\/p\u003e\u003ch2\u003eWhy the gold share matters on a mangalsutra\u003c\/h2\u003e\u003cp\u003eA mangalsutra includes a gold chain, so the gold component can be a bigger part of the price than it is on a stud earring or a pendant. You pay that gold part as the down payment, and only the diamond, making charges and GST go on EMI. Look at the gold and diamond split on each product page before you decide, so the down payment holds no surprise.\u003c\/p\u003e\u003ch2\u003eHow to buy a diamond mangalsutra on EMI\u003c\/h2\u003e\u003col\u003e\n\u003cli\u003eChoose a design from the grid above, then pick the gold colour, chain length and 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 piece 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 mangalsutra costs ₹75,000, of which ₹30,000 is the gold component and ₹45,000 is the diamond, making charges and GST. You pay ₹30,000 as the down payment. The ₹45,000 goes on EMI: ₹15,000 a month for 3 months, or ₹7,500 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 design. The gold share changes with the chain and design.\u003c\/p\u003e\u003ch2\u003eHow to choose a diamond mangalsutra\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\u003eCluster or floral\u003c\/td\u003e\n\u003ctd\u003eSeveral small diamonds set as a flower or cluster pendant\u003c\/td\u003e\n\u003ctd\u003eDaily wear and a first mangalsutra\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSolitaire\u003c\/td\u003e\n\u003ctd\u003eOne centre diamond on the pendant\u003c\/td\u003e\n\u003ctd\u003eA minimal look, or a gift to mark an anniversary\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eVati or locket pendant\u003c\/td\u003e\n\u003ctd\u003eA round or oval pendant with diamonds, worn on black beads\u003c\/td\u003e\n\u003ctd\u003eTraditional looks and everyday wear\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTanmaniya or karimani\u003c\/td\u003e\n\u003ctd\u003eA necklace-style piece with a diamond pendant, popular in Maharashtra\u003c\/td\u003e\n\u003ctd\u003eTraditional weddings and festivals\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLong mangalsutra\u003c\/td\u003e\n\u003ctd\u003eA chain that falls well below the neckline\u003c\/td\u003e\n\u003ctd\u003eCeremonies, sarees and layering\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eShort mangalsutra\u003c\/td\u003e\n\u003ctd\u003eA chain that sits at the neck\u003c\/td\u003e\n\u003ctd\u003eDaily wear and office wear\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLariat or drop\u003c\/td\u003e\n\u003ctd\u003eA drop pendant that falls along the chain\u003c\/td\u003e\n\u003ctd\u003eModern looks with western and Indian outfits\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMangalsutra bracelet\u003c\/td\u003e\n\u003ctd\u003eA bracelet with the black beads and a diamond charm\u003c\/td\u003e\n\u003ctd\u003eWomen who want to wear it at work or on the move\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\u003cp\u003eThe grid above shows what is eligible today, and it changes as designs and prices change.\u003c\/p\u003e\u003ch3\u003eChain length and fit\u003c\/h3\u003e\u003cp\u003eA shorter chain, around 16 to 18 inches, sits at the neck and is easier for daily wear. Longer chains fall lower and suit ceremonies and traditional outfits. If you are not sure, pick the length you would be comfortable wearing every day.\u003c\/p\u003e\u003ch3\u003eBlack beads and gold\u003c\/h3\u003e\u003cp\u003eThe black beads are part of the tradition, and many buyers pick a chain with a gold and black bead mix. Gold and diamond mangalsutras combine both: the gold sets the chain and the diamonds sit on the pendant. Look at the product page to see the bead length and the gold colour.\u003c\/p\u003e\u003ch3\u003eMetal and gold colour\u003c\/h3\u003e\u003cp\u003eLucira designs 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.\u003c\/p\u003e\u003ch3\u003eWhy a lab grown diamond\u003c\/h3\u003e\u003cp\u003eA lab grown diamond is real diamond with the same chemical make-up and crystal structure as a mined one, graded on the same four Cs. The same budget usually buys a larger or better diamond in the pendant. It is not an American diamond, which is a different stone sold as a lower-cost imitation.\u003c\/p\u003e\u003ch2\u003eIs a diamond mangalsutra good for daily wear?\u003c\/h2\u003e\u003cp\u003eYes, if you pick the design with daily wear in mind. A shorter chain, a low-profile pendant, a secure clasp and a setting that holds the diamonds close to the metal all make a mangalsutra easier to wear to work and at home. Cluster and small solitaire pendants snag less than large drops. Lab grown diamond has the same hardness as mined diamond, so the stone itself handles daily wear.\u003c\/p\u003e\u003ch2\u003ePlanning around a wedding or gift\u003c\/h2\u003e\u003cul\u003e\n\u003cli\u003eOrder early. Many pieces are made to order, so check the delivery timeline for your design before you fix a date.\u003c\/li\u003e\n\u003cli\u003eDecide the chain length and gold colour first, since they shape the price.\u003c\/li\u003e\n\u003cli\u003eFor a gift, such as an anniversary or Karwa Chauth, pick a classic design that is easy to wear every day.\u003c\/li\u003e\n\u003cli\u003eFor a wedding, plan the mangalsutra together with the rest of the jewellery, so you can compare it with \u003ca href=\"https:\/\/www.lucirajewelry.com\/collections\/diamond-necklaces-on-emi\"\u003enecklaces on EMI\u003c\/a\u003e and \u003ca href=\"https:\/\/www.lucirajewelry.com\/collections\/diamond-earrings-on-emi\"\u003eearrings on EMI\u003c\/a\u003e.\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch2\u003eLucira EMI, credit card EMI, personal loan or pay in full?\u003c\/h2\u003e\u003cp\u003eEMI helps when the wedding has many costs at once and you want to spread this one. 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\u003eCare and daily wear\u003c\/h2\u003e\u003cp\u003eTake the mangalsutra off before swimming or heavy exercise. Put perfume and cosmetics on first and the jewellery after. Wipe the diamonds with a soft cloth and store the piece in a pouch when you are not wearing it.\u003c\/p\u003e\u003ch2\u003eSee mangalsutras 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\u003eSee all \u003ca href=\"https:\/\/www.lucirajewelry.com\/collections\/diamond-mangalsutra\"\u003ediamond mangalsutra\u003c\/a\u003e designs, \u003ca href=\"https:\/\/www.lucirajewelry.com\/collections\/mangalsutra-necklaces\"\u003emangalsutra necklaces\u003c\/a\u003e and \u003ca href=\"https:\/\/www.lucirajewelry.com\/collections\/mangalsutra-bracelets\"\u003emangalsutra bracelets\u003c\/a\u003e. For 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 a mangalsutra on EMI?\u003c\/h3\u003e\u003cp\u003eYes. A diamond mangalsutra can go on EMI when the version you choose is priced above ₹50,000 and you meet the eligibility criteria.\u003c\/p\u003e\u003ch3\u003eCan I buy a gold mangalsutra on EMI?\u003c\/h3\u003e\u003cp\u003eGold itself is not on EMI at Lucira. On a diamond mangalsutra, you pay the gold component as the down payment, and EMI covers the diamond, making charges and GST.\u003c\/p\u003e\u003ch3\u003eWhat is the price of a diamond mangalsutra?\u003c\/h3\u003e\u003cp\u003eIt depends on the gold weight, the purity, the diamond size and the design. EMI-eligible designs on this page start at about ₹50,000. Check the price of the exact version on its product page.\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 diamond part of the price is small?\u003c\/h3\u003e\u003cp\u003eThe diamond, making charges and GST that go on EMI must total at least ₹20,000, or the loan will not be approved.\u003c\/p\u003e\u003ch3\u003eCan I buy a mangalsutra bracelet or necklace on EMI?\u003c\/h3\u003e\u003cp\u003eYes, on the same terms, when the version you choose is above ₹50,000. They appear on this page when they qualify.\u003c\/p\u003e\u003ch3\u003eDo I get the mangalsutra 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\u003eIs a lab grown diamond mangalsutra suitable for daily wear?\u003c\/h3\u003e\u003cp\u003eYes. Lab grown diamond is real diamond with the same hardness as a mined one, so it suits daily wear with ordinary care.\u003c\/p\u003e\u003ch3\u003eIs a lab grown diamond mangalsutra the same as an American diamond mangalsutra?\u003c\/h3\u003e\u003cp\u003eNo. A lab grown diamond is real diamond. An American diamond is a different stone, usually cubic zirconia, sold as a lower-cost imitation.\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":"pear-drop-multi-cut-diamond-mangalsutra","title":"Pear Drop Multi-Cut Diamond Mangalsutra","description":"\u003cp\u003eA stunning Pear Drop Multi-Cut Diamond Mangalsutra, featuring a graceful V-shaped design adorned with a mix of pear, oval, round, and baguette-cut diamonds. Set in rose gold with delicate black beads, this modern piece blends tradition with contemporary elegance.\u003c\/p\u003e","brand":"Lucira Jewelry","offers":[{"title":"14KT Yellow Gold","offer_id":46349211795674,"sku":"LJ-TN0012-14YGLGD","price":100948.0,"currency_code":"INR","in_stock":true},{"title":"14KT Rose Gold","offer_id":46349211828442,"sku":"LJ-TN0012-14RGLGD","price":100948.0,"currency_code":"INR","in_stock":true},{"title":"18KT Yellow Gold","offer_id":46349211861210,"sku":"LJ-TN0012-18YGLGD","price":117620.0,"currency_code":"INR","in_stock":true},{"title":"18KT Rose Gold","offer_id":46349211893978,"sku":"LJ-TN0012-18RGLGD","price":117620.0,"currency_code":"INR","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0739\/8516\/3482\/files\/LJ-TN00012YG_1.jpg?v=1745850711"},{"product_id":"eternal-embrace-diamond-mangalsutra","title":"Eternal Embrace Diamond Mangalsutra","description":"\u003cp\u003eEmbrace a love that soars with our \"Eternal Embrace\" Mangalsutra. Its gracefully curved, diamond-adorned design cradles three brilliant solitaires, marrying traditional black beads with a modern, captivating sparkle. This exquisite piece is a radiant symbol of enduring affection, perfect for the contemporary bride who cherishes tradition.\u003c\/p\u003e","brand":"Lucira Jewelry","offers":[{"title":"14KT Rose Gold","offer_id":46660996923610,"sku":"LJ-TN0023-14RGLGD","price":58674.0,"currency_code":"INR","in_stock":true},{"title":"14KT Yellow Gold","offer_id":46660996890842,"sku":"LJ-TN0023-14YGLGD","price":58674.0,"currency_code":"INR","in_stock":true},{"title":"18KT Rose Gold","offer_id":46660996989146,"sku":"LJ-TN0023-18RGLGD","price":73107.0,"currency_code":"INR","in_stock":true},{"title":"18KT Yellow Gold","offer_id":46660996956378,"sku":"LJ-TN0023-18YGLGD","price":73107.0,"currency_code":"INR","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0739\/8516\/3482\/files\/LJ-TN0023RG_1_28b7525b-f1e5-4f84-84f7-06ea9e7a7496.jpg?v=1770719611"},{"product_id":"gentle-glow-tanmaniya","title":"Gentle Glow Tanmaniya","description":"\u003cp\u003eThe Gentle Glow Tanmaniya features an elegant design adorned with shimmering Round Diamonds. Delicate yet timeless, it beautifully blends tradition with modern grace, making it perfect for daily wear or special occasions. A refined symbol of elegance and sparkle.\u003cbr\u003e\u003c\/p\u003e","brand":"Lucira Jewelry","offers":[{"title":"14KT Yellow Gold","offer_id":46808234819802,"sku":"LJ-TN0027-14YGLGD","price":50489.0,"currency_code":"INR","in_stock":true},{"title":"14KT Rose Gold","offer_id":46808234852570,"sku":"LJ-TN0027-14RGLGD","price":50489.0,"currency_code":"INR","in_stock":true},{"title":"18KT Yellow Gold","offer_id":46808234885338,"sku":"LJ-TN0027-18YGLGD","price":72308.0,"currency_code":"INR","in_stock":true},{"title":"18KT Rose Gold","offer_id":46808234918106,"sku":"LJ-TN0027-18RGLGD","price":72308.0,"currency_code":"INR","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0739\/8516\/3482\/files\/LJ-TN0027YG_1.jpg?v=1774615014"},{"product_id":"triaura-mangalsutra-necklace","title":"TriAura Mangalsutra Necklace","description":"\u003cp\u003eThe TriAura Mangalsutra Necklace features Three elegant frames, each adorned with brilliant Round Diamonds, arranged in a stylish and meaningful design. 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