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                    <h1 class="heading-font text-3xl md:text-4xl lg:text-5xl font-bold mb-6 leading-tight">
                        GJC Banking Summit 2025: Driving Growth Through Finance

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                        On this auspicious day of Ganesh Chaturthi, I extend my heartfelt greetings to the entire gem
                        and jewellery fraternity. Lord Ganesha, revered as the remover of obstacles, symbolizes wisdom,
                        clarity, and prosperity. May His blessings guide our industry towards collective growth and
                        success.
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                        <span class="font-medium">Team GJC</span>
                        <span class="mx-2">•</span>
                        <span>2 hours ago</span>
                        <span class="mx-2">•</span>
                        <span>4 min read</span>
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                        <p>At the Jio World Convention Centre, Mumbai, the All-India Gem and Jewellery Domestic Council
                            (GJC) hosted its Banking
                            Summit 2025 on September 15 under the theme "Driving Growth Through Finance." The event
                            served as a strategic
                            platform to bridge the financial ecosystem with India's dynamic gems and jewellery (G&amp;J)
                            sector, a pillar of the
                            nation's export economy and cultural heritage. Through three insightful sessions, industry
                            leaders, bankers, and
                            policymakers explored how finance could empower jewellers, enhance transparency, and fortify
                            India's global standing
                            in precious trade.</p>


                        <div class="mb-8">
                            <img src="./session1.jpg" alt="IGI Diamond Reports and Light Performance Analysis"
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                        <h2><b>Session 1: Bridging the Gap — Strengthening Synergy Between Banking and Jewellery
                                Sectors</b></h2>

                        <p>The opening session, "Bridging the Gap," set the tone for the day by addressing one of the
                            most crucial relationships
                            in the industry — that between banks and jewellers. Moderated by <b><i>Mr. Sumesh Wadhera of
                                    AOJ Media</i></b>, the
                            panel brought together experts including <b>Mr. Manish Goel (ICICI Bank)</b>, <b>Mr. Dilip
                                Narayan (Malabar
                                Gold)</b>, <b>Mr. Ajit Mauskar (World Gold Council)</b>, <b>Mr. Ravi Prakash
                                Agarwal</b>, and <b>Mr. Nitin
                                Khandelwal</b>, both representing GJC.</p>

                        <p>The discussion delved deep into the trust deficit that often clouds the banking sector's
                            perception of the jewellery
                            industry. Despite being one of India's most significant contributors to GDP and employment,
                            jewellers have long
                            faced stringent lending norms and limited access to credit due to perceived risks. The
                            speakers unpacked these
                            issues, emphasizing the need to shift narratives from suspicion to <b>structured
                                collaboration.</b></p>

                        <p>They discussed ways in which banks could redefine lending frameworks for jewellers,
                            particularly for MSMEs that often
                            struggle with collateral requirements. Flexible loan structures, improved digital
                            underwriting, and faster
                            processing through fintech collaborations emerged as key recommendations.</p>

                        <p>A particularly innovative idea discussed was the potential <b>of EMI-based purchase models
                                for jewellery buyers</b> —
                            a mechanism that could democratize access to fine jewellery and stimulate consumer demand,
                            much like the electronics
                            and automobile sectors. The panellists also touched upon regulatory guardrails and consumer
                            protection, underlining
                            the need for responsible credit-based retailing.</p>

                        <p>The session concluded with a collective call for building a sustainable, trust-based
                            financial bridge — one that
                            could unlock the full potential of India's jewellery trade.</p>

                        <div class="mb-8">
                            <img src="./Session 2.jpg" alt="IGI Diamond Reports and Light Performance Analysis"
                                class="w-full h-auto rounded-lg shadow-md">
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                        <h2><b>Session 2: Credit Rating Essentials — Unlocking Financial Opportunities for Jewellers</b>
                        </h2>

                        <p>The second session, "Credit Rating Essentials," explored how credit ratings could serve as a
                            passport to financial
                            empowerment for jewellers. <b><i>Moderated by Mr. Sahil Mehra</i></b>, the panel featured
                            thought leaders including
                            <b>Mr. Amit Soni (GJC)</b>, <b>Mr. Bhargava N. Vaidya (B.N. Vaidya &amp; Associates)</b>,
                            <b>Mr. Prakash Agarwal
                                (Gefion Capital Advisors)</b>, <b>Mr. Manu Sehgal (Brickwork Ratings)</b>, <b>Mr. Mohit
                                Makhija (CRISIL
                                Ratings)</b>, and <b>Prof. Naved Ansari (Finmet India Pvt. Ltd.)</b>.
                        </p>

                        <p>Speakers noted that while credit ratings are standard practice in other industries, their
                            adoption in the jewellery
                            sector remained relatively low — with only 15–20% of registered jewellers availing
                            themselves of ratings as of 2025.
                            Yet, those who had done so reported remarkable benefits: easier access to loans, better
                            negotiation power with
                            financial institutions, and improved transparency in business operations.</p>

                        <p>The session illuminated the parameters used by credit rating agencies, extending beyond
                            financial ratios to include
                            operational efficiency, inventory management, supply chain resilience, and market presence.
                            The experts underscored
                            that a robust rating could help transform the perception of jewellers from traditional
                            traders to disciplined,
                            data-backed enterprises — a shift essential for attracting institutional finance.</p>

                        <p>Importantly, the discussion framed credit ratings not merely as a compliance measure but as a
                            strategic business
                            asset — one that could redefine the credibility and scalability of Indian jewellery brands
                            in both domestic and
                            international markets.</p>

                        <div class="mb-8">
                            <img src="./Session 3.jpg" alt="IGI Diamond Reports and Light Performance Analysis"
                                class="w-full h-auto rounded-lg shadow-md">
                        </div>

                        <h2><b>Session 3: Trade Dynamics — Navigating Exports Amid Tariff Challenges</b></h2>

                        <p>The final session, "Trade Dynamics," steered the conversation to global waters.
                            <b><i>Moderated by Mr. Mrityunjay
                                    Kumar Jha of Zee Business</i></b>, the panel featured <b>Mr. Avinash Gupta (Vice
                                Chairman, GJC)</b>, <b>Mr.
                                Saiyam Mehra (Immediate Past Chairman, GJC)</b>, <b>Mr. Manish Goel (ICICI Bank)</b>,
                            <b>Mr. Chirag Sheth (Metal
                                Focus Ltd.)</b>, and <b>Mr. Ashok Gautam (India International Bullion Exchange -
                                IIBX)</b>.
                        </p>

                        <p>The discussion examined how volatile trade policies and shifting tariffs were reshaping
                            India's position in the
                            global jewellery export landscape. As traditional markets mature and competition
                            intensifies, the panellists
                            emphasized the importance of market diversification — especially into regions such as the
                            Middle East, Africa, and
                            Europe.</p>

                        <p>Speakers advocated for enhanced product standardization, greater focus on value-added
                            jewellery, and leveraging trade
                            agreements to maintain India's competitive edge. The role of regulatory and policy support
                            was also foregrounded,
                            with calls for consistent government engagement to stabilize export incentives and
                            streamline compliance.</p>

                        <p>Another key insight was the need for jewellers to balance agility with long-term strategy —
                            investing in branding,
                            design innovation, and digital channels while navigating short-term tariff disruptions. The
                            panellists unanimously
                            agreed that India must continue its journey toward becoming a global hub for ethical,
                            sustainable, and
                            technologically advanced jewellery manufacturing.</p>

                        <h2><b>Conclusion: A Collective Vision for Financial Empowerment</b></h2>

                        <p>As the summit drew to a close, it became evident that the day's discussions had transcended
                            mere finance — they
                            represented a reimagining of trust and transformation. From credit access to export
                            resilience, the sessions
                            highlighted a collective vision for a more transparent, connected, and globally competitive
                            gems and jewellery
                            industry.</p>

                        <p>By bringing together bankers, traders, and policymakers under one roof, GJC's Banking Summit
                            2025 reaffirmed a simple
                            yet powerful belief — <b>that finance is not just capital, but confidence.</b> And when
                            confidence meets
                            collaboration, the gold standard of India's jewellery trade shines even brighter.</p>



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