हेममणिचित्रा रत्नावली ॥ कZ_०२.११.२३ ॥
hemamaṇicitrā ratnāvalī
સોનું અને મણિઓથી વિવિધ રીતે શોભિત હાર/માળાને ‘રત્નાવળી’ કહે છે.
Because valuation, duty, and audit depend on material composition; explicit definitions support consistent assessment.
A composite/variegated build, which typically requires more detailed inspection and accounting of inputs.