Increasing the interest rate for the gold deposit will prompt people to deposit gold as an investment. It is true that most women folks do not wear gold every day. it is in a locker for many years. The model becomes old and they end up exchanging for newer design anyway by paying the extra. So why not make the gold work for us. Yes/.. Please remove the requirement of Source of the gold. It is mostly gifted by their parents or bought using cash saved over a very long period. So there is no way proving it.