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Is this is a good way to accumulate gold coins and then exchange for 100% for jewellery?

I see tanishq offer 100% exchange value so its a good idea to buy gold coin in discount and then see for jwellery any one did before?
From what I know is you pay 3% as wastage when buying and selling the gold coins. So thats a loss of 6% on total accumulation of gold. Or is there any hack that I’m not aware of?
 
From what I know is you pay 3% as wastage when buying and selling the gold coins. So thats a loss of 6% on total accumulation of gold. Or is there any hack that I’m not aware of?
Actually you can get gold coin at really good price for example form myntra its 19% discount 24k 5gm also + myntra gift card 6% discount if you buy from park plus.

I was thinking how much they take for ? like when they say 100% exchnage rate means 100% value of today rate or is there anything else
 
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