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How much actual gold is in ₹1 lakh of jewellery? Jewellery to wear, other routes to save — know before you buy.

Start with ₹1,000 at the post office. 7.7% locked in for five years. ₹10,000 becomes ₹14,490.

Life cover for ₹436 a year, accident cover for ₹20. Together, up to ₹4 lakh for your family.

A government savings account for a girl under 10. Start with ₹250 a year. It earns 8.2% right now.
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