By Invitation
A fun, practical New Year note for jewellery business owners
Wishing You a Healthier, Happier & Wiser 2026 – By Shivaram A
A new year arrives with a new set of—what else—New Year resolutions. And 2026 is no different.
Resolution makers, beware. Research says nearly 80% of New Year resolutions collapse by mid-February. There’s even a name for it: the second Friday of January is officially called Quitters’ Day.
So, here’s the uncomfortable question: Do you want 2026 to be any different, or should we just block your calendar till Quitters’ Day?
If your answer is a serious yes, then it boils down to two things:
- What exactly do you want?
- How badly do you want it?
Because let’s be honest intentions are cheap. Discipline is expensive.
If you’re still reading, congratulations. You haven’t quit yet.
Most business resolutions sound familiar: higher sales, higher profits (or much higher profits), more stores, more customers. And yes—higher gold and silver prices too. On that one, we have very little control… though prayers are always welcome!
But for 2026, let’s look beyond only business numbers and focus on three areas that quietly decide your long-term success.
1. A Healthier You in 2026
A typical day before 2025 (you may recognise this): Late wake-up. Late breakfast. Reaching the store by 11 am—or noon on a “busy” day. Vendor meetings. Lunch at 3 pm. Evening snacks at 6 pm. Endless cups of chai. Store closes at 9 pm. Dinner at 10:30 pm. Netflix or phone scrolling. Sleep well past midnight.
Not everything applies—but enough of it does to make you uncomfortable.
The result? Low energy, rising health reports, and a body that protests quietly… until it doesn’t.
Resolution for a Healthier 2026
Start with a complete health check-up. Think of it as your personal P&L statement—it shows your condition on one specific day.
Identify what I like to call “golden furniture” in the body—parts that have stopped moving but still occupy space.
Then act:
- Better food (not fancy diets)
- Regular movement (not heroic gym resolutions)
- Better sleep (yes, even for business owners)
Warning: Change will be uncomfortable. But so is ignoring the problem.
Set SMART health goals—Specific, Measurable, Achievable, Realistic, Time-bound.
2. A Happier You in 2026
Let’s admit it—becoming happier has rarely featured on a jeweller’s resolution list.

Resolution for a Happier 2026
Make happiness intentional, not accidental.
Start with something simple: one family dinner or friends’ meal every week.
According to the World Happiness Report (based on over 1,50,000 people), those who regularly eat with others report:
- Higher life satisfaction
- More positive emotions
- Fewer negative emotions
One strict rule: phones stay away. If the phone joins the table, happiness leaves early.
3. A Wiser You in 2026
You’ve built a successful business. The numbers prove it. Experience, instinct, and industry knowledge have served you well.
But the world is shifting—fast.
AI. Agentic AI. AI Agents. (And yes, everyone is still figuring out the difference.)

People deep in this space believe AI may have a bigger impact than the internet itself.
The real question is not whether AI will affect jewellery retail—but whether you’ll learn early or catch up late.
For traditional business owners, the willingness to learn and apply new tools is the new unfair advantage.
A Simple 2026 Resolution Action Plan
| Action Area | Example | Final Status – 31.12.2026 |
| Healthier | 30 minutes movement daily | Achieved / Not Achieved |
| Happier | Weekly family dinner | Achieved / Not Achieved |
| Wiser | One AI implementation | Achieved / Not Achieved |
No overthinking. No complex dashboards. Just honest tracking.
Ready to make 2026 different?
If you want help converting good intentions into clear action plans—for health, happiness, or business wisdom—I’m happy to help you think it through.
Let’s ensure you’re still on track after Quitters’ Day.
Here’s wishing you a Healthier, Happier & Wiser 2026.
Call or WhatsApp on 90360 36524
Email: RetailGurukul.com
Jb Exclusive : Digital View
By Invitation
Secured Gold Loans vs. Collateral Free Credit: Which One Truly Offers Peace of Mind?
By Priyank Kothari, Director of Arvog
Life throws curveballs. Whether it’s a medical emergency, a sudden travel plan, or a business cash crunch. when you need money fast, choosing the right kind of loan matters. Should you take a personal loan without any collateral, or borrow money against the gold sitting idle at home?
More people in India are leaning toward gold loans and not without good reason.
What’s the Real Difference?
- Gold Loans (Secured): You give your gold to the lender jewellery, coins, or bars and they lend you a portion of its value, usually 60–75%. Once you repay, your gold comes back to you, just as it was.
- Collateral Free Loans: These don’t need any security, but lenders will look closely at your credit score, income, and repayment history. If you miss payments, it can hurt your credit profile, and collection calls can be stressful.
Why Gold Loans Are Catching On
Let’s look at what the numbers say:
- From Rs1.16 lakh crore to Rs2.51 lakh crore in just one year gold loans grew 115% between May 2024 and May 2025.
- Disbursements jumped by 124% year over year.
- Industry experts predict the gold loan market could touch Rs.15 lakh crore by FY27, with NBFCs driving a big chunk of that growth.
Clearly, this isn’t just a trend it’s becoming a go to financial choice.

What Makes Gold Loans So Attractive?
1. Lower Interest Rates
Since your gold backs the loan, lenders take on less risk. That usually means lower interest rates than a collateral free loan.
2. Quick and Easy Process
Need cash fast? Gold loans are often processed within a few hours with minimal paperwork.
3. Credit Score Not a Dealbreaker
Even if your credit history isn’t perfect, your gold can still help you get the funds you need.
4. Your Gold Is Safe
It’s assessed in your presence, securely packed, stored in top tier vaults, and often insured arguably safer than keeping it at home.
What About Collateral Free Credit?
Personal loans without collateral do offer quick access, but they come with a few caveats:
- Higher interest rates make them costlier over time.
- You need a strong credit profile and steady income to get a good deal.
- A few missed payments can hurt your credit score and stay on your record for years.
- High interest + long tenures = a debt trap if you’re not careful.
So, Which One Gives You Real Peace of Mind?
If you own gold and need money in a hurry, gold loans give you four big wins. lower interest, fast disbursal, less paperwork, and the comfort of knowing your credit score isn’t standing in your way.
In uncertain times, gold loans offer something rare a way to raise money quickly, without losing control or peace of mind.
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