Think of it as two different buckets: jewelry for sentiment and SGBs for growth. You can’t replace an heirloom, so keep those as they are. But for purely growing your money, SGBs are much smarter — they’re tax-efficient and pay you interest. It’s basically about honoring your family’s history while ensuring that your future self is taken care of. Keep the "gold for wearing" separate from your "gold for investing," and you’ll be set.

It's high due to rapid urban development, the Unit Area Value (UAV) system, and higher property values, especially in prime zones. All these factors contributed to increased property taxes. The BBMP municipal corporation frequently revises rates based on zones, usage, and property type, which ultimately increases the tax burden.