Pancha-Layer CZ Necklace Set92. 5 Silver, 24kt Gold Polish Necklace Set. BIS HALLMARK CERTIFIED (925 SILVER). Elevate your jewellery collection with this sophisticated five layer CZ necklace set, meticulously crafted to deliver timeless elegance. Each layer features brilliant Cubic Zirconia stones that catch light beautifully, while the centrepiece showcases stunning Oval and Pear shaped Emerald accents. The multi layered design creates dimensional depth and visual interest,
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