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Gold Design Rate

I have one confusion here, if i have to buy 24k gold , how much in addition to actual value i have to pay per gram, in my case , as today gold rate is 185.55 , but gold seller in shop said that 3 sar is his margin and 3 for bank and i have to pay 192 per gram so for 10 grams i have to pat 1920 sar but 10 gram here is 1855 sar.

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