I shopped in Malabar gold recently for a wedding. They sell hallmark certified and stamped ornaments. Loved the designs and variety. They have gemstones, diamonds both cut and uncut. Mostly they have a different system of charging for their ornaments. Their gold rate is lower than in the market on that date. Don't charge wastage. Instead depending on intricacy of design of the jewelry they charge 10 or 15 or 20% of weight and so on and this covers both wastage and making charge. Hope that makes sense. I compared their price for pcs I liked and calculated what it would cost in other stores in the traditional way ie wastage and making charges. It was cheaper. I bought a neckace earring set and 2 pairs of kadas. They buy back gold at mkt rate. Check it out and see if their approach makes sense to you.