Bank audit jewel loan

Is jewel purity checking using nitric acid or any other valid method compulsory in jewel loan processing. Because the jewel appraiser is saying he can identify the number of karat of gold jewel just by looking at it.
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https://docs.google.com/document/d/1hD3brODg7pP5iDUFgUnTaP2zztWnd2wmiUnDGdT3cWY/edit?usp=sharing

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