Quick Answer
Layered necklaces are the most impactful jewellery you can wear — they fill the neckline, add depth, and create a look that single-strand pieces simply can't match. These six layered necklace sets — Gulnaj, Golden Nandisha, Jubair, Rashmika, and Ashiya in Golden and Multi — deliver that full, rich look at a budget price. Here's your complete guide.
There's a reason layered necklaces have always been the centrepiece of Indian festive jewellery. A well-chosen layered set fills the neckline completely, frames the face, and elevates even the simplest outfit into something occasion-worthy. The problem has always been price — until now.
At The Shopping Tree, our double and triple layer necklace sets are designed to give you that full, opulent look without the opulent price tag. Here are our six best layered necklace sets for women who want maximum impact on a budget.
The 6 Best Layered Necklace Sets on a Budget
Gulnaj Double Layer Designer Zircone Golden Polki Lookalike Necklace Set
The Gulnaj is one of our most popular double-layer sets — and it's easy to see why. A Polki lookalike design in warm gold, set with sparkling Zircone stones across both layers. The inner layer sits close to the collarbone while the outer layer falls just below, creating a beautifully graduated silhouette that looks incredibly expensive.
Gulnaj is available on pre-booking with dispatch in 10 days — making it ideal if you're planning ahead for a wedding, festival, or family function.
Layers: Double
Style: Polki lookalike, Zircone
Best for: Weddings, receptions, festive occasions
Pairs with: Silk sarees, bridal lehengas, Banarasi outfits
Shop Gulnaj Double Layer Necklace Set
Golden Nandisha Double Layer Kundan Necklace Set
The Golden Nandisha is a heritage-inspired double-layer Kundan set that radiates warmth and tradition. The intricate Kundan work across both layers creates a neckline that looks like it belongs in a royal portrait. It's full, generous, and deeply traditional — the kind of set that photographs beautifully from every angle.
Nandisha is the ideal choice when you want your jewellery to be the centrepiece of your look. Pair it with a simple saree or suit and let the necklace do the talking.
Layers: Double
Style: Kundan
Best for: Traditional occasions, weddings, cultural festivals
Pairs with: Silk sarees, traditional lehengas, Kanjivaram outfits
Shop Golden Nandisha Double Layer Necklace Set
Jubair Double Layer Designer Zircone Golden Kundan Necklace Set
The Jubair combines the sparkle of Zircone with the richness of Kundan in a double-layer format that is both traditional and luxurious. The inner layer sits as a choker-style piece close to the neck, while the outer layer falls gracefully with Kundan and Zircone detailing that catches light beautifully.
What makes Jubair special is its versatility — it works equally well for a wedding reception, a sangeet night, or a family puja. The combination of Kundan and Zircone gives it a dual quality: traditional from one angle, glamorous from another.
Layers: Double
Style: Kundan, Zircone
Best for: Weddings, sangeet, festive occasions
Pairs with: Embroidered lehengas, heavy silk sarees, bridal outfits
Shop Jubair Double Layer Necklace Set
Rashmika Triple Layer Designer Zircone Polki Lookalike Necklace Set — Golden
The Rashmika is the showstopper of this collection — the only triple-layer set in this guide, and by far the most dramatic. Three distinct layers of Zircone Polki lookalike design in warm gold create a neckline so full and complete that it's essentially a bridal statement piece at a budget price.
The three layers graduate beautifully from a snug inner layer to a longer outer layer, creating a cascading effect that photographs like fine jadau jewellery. If you want to make a maximum impact at a wedding or reception, the Rashmika is your answer.
Layers: Triple
Style: Polki lookalike, Zircone
Best for: Weddings, receptions, bridal-adjacent occasions
Pairs with: Grand lehengas, bridal sarees, heavily embroidered outfits
Shop Rashmika Triple Layer Necklace Set
Ashiya Double Layer Designer Zircone Kundan Necklace Set — Golden
The Ashiya Golden is a refined, elegant double-layer Zircone and Kundan necklace set in warm gold. Its design strikes a balance between the heavily ornate and the gracefully simple — full enough to fill the neckline beautifully, but not so heavy that it overpowers a lighter outfit.
Ashiya Golden is the layered necklace for everyday festive occasions — the kind of set you can wear to a family function on a Tuesday without feeling overdressed, but that still looks completely polished and put-together in photographs.
Layers: Double
Style: Kundan, Zircone
Best for: Family functions, poojas, casual festive occasions
Pairs with: Cotton sarees, anarkalis, printed or solid kurta sets
Shop Ashiya Double Layer Necklace Set — Golden
Ashiya Double Layer Designer Zircone Kundan Necklace Set — Multi
The Ashiya Multi is the same beautiful double-layer Kundan and Zircone design as the Golden, but with a vibrant multi-colour stone palette that makes it one of the most joyful and eye-catching pieces in our collection. The multi-colour stones — greens, reds, blues, and purples — bring a festive energy that is particularly beautiful for Navratri, Diwali, Garba nights, and colourful weddings.
If you're wearing a bright or boldly coloured outfit, Ashiya Multi is the layered necklace that matches your energy. It's a set that makes people smile — vibrant, celebratory, and full of life.
Layers: Double
Style: Kundan, Zircone, multi-colour
Best for: Navratri, Garba, Diwali, colourful weddings
Pairs with: Bright lehengas, colourful chaniya cholis, vibrant sarees
Shop Ashiya Double Layer Necklace Set — Multi
Double vs Triple Layer: Which is Right for You?
| Factor | Double Layer | Triple Layer |
|---|---|---|
| Neckline coverage | Full and rich | Maximum coverage |
| Best occasion | Weddings to casual festive | Grand weddings, receptions |
| Outfit weight | Works with light to heavy outfits | Best with heavy outfits |
| Statement level | Elegant statement | Maximum statement |
| Our pick | Gulnaj, Nandisha, Jubair, Ashiya | Rashmika |
How to Style Layered Necklaces
- Let the necklace lead — with a layered necklace, keep your other jewellery minimal. Simple stud earrings or small jhumkas work better than heavy earrings that compete with the neckline.
- Choose a deep or round neckline — layered necklaces look best against saree blouses with a round or square neckline, or against anarkalis and kurtas with a boat neck or V-neck. They need space to be seen.
- Match the metal to your outfit — all five golden sets work with warm-toned outfits (red, orange, maroon, mustard, ivory). The Ashiya Multi works with any colourful outfit.
- Skip the maang tikka or keep it minimal — with a triple-layer necklace like Rashmika, a simple maang tikka is all the additional jewellery you need. The necklace is the statement.
- Photograph from the front — layered necklaces are designed to be seen head-on. For Instagram photos and portraits, a straight-on shot captures the full beauty of the layered silhouette.
Use code BLOG10 at checkout for an extra 10% off your entire order at The Shopping Tree.
Get that layered look — for less.
Shop Now at theshoppingtree.in
Frequently Asked Questions
Are layered necklaces comfortable to wear for long events?
Yes. All our layered necklace sets are crafted on lightweight brass bases with smooth finishes. Despite their full, dramatic appearance, they are comfortable to wear for extended periods at weddings and festive events.
Which layered necklace is best for a wedding?
For grand weddings and receptions, Rashmika (triple layer) makes the biggest impact. For slightly less formal wedding occasions — mehndi, sangeet, or as a wedding guest — Gulnaj or Jubair are ideal double-layer choices.
Can I wear a layered necklace with a simple outfit?
Absolutely — in fact, this is one of the best ways to wear a layered necklace. A simple cotton saree or plain anarkali becomes instantly occasion-worthy when paired with a statement layered necklace like Ashiya or Nandisha. Let the necklace do the work.
What's the difference between Ashiya Golden and Ashiya Multi?
Both are the same double-layer Kundan and Zircone design. The Golden version uses warm gold-toned stones throughout, making it the more traditional and versatile choice. The Multi version uses colourful stones (greens, reds, blues, purples) for a vibrant, festive look that's particularly beautiful for Navratri and colourful weddings.
Is the Gulnaj available immediately?
Gulnaj is available on pre-booking with dispatch in 10 days. All other sets in this guide are available for standard dispatch. Check individual product pages for current availability.
At The Shopping Tree, the layered look shouldn't cost a fortune. Explore our full collection of double and triple layer necklace sets at theshoppingtree.in and use code BLOG10 for 10% off your order.