Top 5 Layered Necklace Sets For Monsoon To Festive Styling Under ₹1200

A well-designed layered necklace set performs a function that single-strand jewellery cannot: it provides sufficient visual weight to elevate a basic kurta to an occasion-ready level and enough structure to compete with a heavily embroidered lehenga. The 22K gold plating and kundan stone work at these prices have improved enough that the gap between artificial and fine jewellery is no longer obvious.

These five beaded and colourful layered necklaces elevate your style from casual outings to festivals; Photo Credit: iStock

The five picks here cover the stone colour range that Indian festive outfits actually demand: emerald green, ruby red, deep blue, and mixed stone formats. Some use a kundan-style stone setting for a handcrafted look. One uses a beaded construction that adds texture and movement beyond a flat chain. 

Also Read: 8 Best Layered Necklaces to Elevate Your Outfit: Top Styles for The Chic Look

Top 5 Layered Necklace Sets For Monsoon To Festive Styling Under ₹1200

1. Rubans 22K Gold-Plated Emerald Green and White CZ Dual Layer Necklace Set

Price: ₹1,181  |  Customer Rating: 3.5/5

Emerald green stones and white cubic zirconia in a 22K gold-plated dual layer setting. The two-chain structure adds volume without the weight of traditional gold, and the emerald-white combination works against both silk sarees and lehengas. Cubic zirconia reflects light similarly to diamonds, but at a significantly lower cost.

Key Features:

• 22K gold-plated dual-layer setting
• Emerald green and white CZ stones
• Necklace and earrings set

Why Buy: Emerald green is one of the most versatile festive stone colours because it works against gold, ivory, red, and deep navy without clashing with any of them. The dual layer structure adds presence a single strand can't match without the weight that makes traditional sets uncomfortable across a long function.

2. Rubans 22K Gold-Plated Ruby Red Kundan and CZ Dual Layer Necklace Set

Price: ₹979  |  Customer Rating: 4.5/5

Ruby red kundan stones in a 22K gold-plated dual-layer necklace with cubic zirconia accents. Kundan is made by setting stones in a gold foil base, and this set brings that craft to an accessible price without losing visual weight. Deep and rich rather than bright, the ruby tones work across evening functions and daytime ceremonies.

Key Features:

• Ruby-red kundan with CZ accents
• 22K gold-plated dual-layer necklace
• Traditional kundan-style stone setting

Why Buy: Ruby red against gold is one of the most classic Indian festive combinations, and the kundan setting gives it a handcrafted look that punches above its price. Works with kurtas and sarees equally. If you need jewellery that photographs richly and feels occasion-appropriate without spending on fine jewellery, this necklace set delivers.

3. Rubans Women Brass 18K Gold-Plated Kundan Multi-Layer Necklace Set

Price: ₹978  |  Customer Rating: 3.7/5

Multi-layer kundan necklace in 18K gold-plated brass with a traditional construction that builds visual weight through layering rather than heavy stonework. The kundan detailing across multiple strands creates the kind of structured bridal-adjacent look that works for mehendi ceremonies, receptions, and festive functions. Comes as a complete set with matching earrings.

Key Features:

• Multi-layer kundan construction
• 18K gold-plated brass base
• Complete set with earrings

Why Buy: Multi-layer kundan sets occupy the space between simple costume jewellery and fine jewellery: they look substantial and traditional without the weight or cost of real gold. This one photographs with enough presence for formal occasions and sits comfortably through a long function. For festive dressing that needs to look considered, this jewellery set delivers.

4. Zaveri Pearls Gold-Plated Stone Studded Jewellery Set

Price: ₹740  |  Customer Rating: 4.1/5

Zaveri Pearls brings a triple-layer necklace set with stone-studded detailing at a price that makes it the most accessible pick in this list. The multi-strand construction creates a layered look without buying separate chains; the stone accents add colour and dimension, and the gold-plated finish keeps the overall look festive without being heavy. Includes earrings to complete the set.

Key Features:

• Triple-layer construction in one set
• Stone-studded detailing throughout
• Complete set with earrings

Why Buy: Zaveri Pearls has been in Indian festive jewellery long enough to know what the occasion needs. Triple-layer structure for anyone building a festive kit on a budget. Layered necklaces at this price usually look obviously cheap. This one stands out, and that's the main point.

5. Rubans 22K Gold-Plated Emerald Kundan and CZ Beaded Jewellery Set

Price: ₹1,181  |  Customer Rating: 4.2/5

Beaded construction rather than a flat chain sets the necklace apart. Emerald kundan stones and cubic zirconia sit in a beaded gold-plated necklace that has more texture and movement than a plain metal chain. The beaded format is a traditional Indian jewellery construction that photographs with more dimension and richness than a flat-link set.

Key Features:

• Beaded construction with emerald kundan
• 22K gold-plated with CZ accents
• More texture and movement than flat chain

Why Buy: Beaded necklaces photograph differently from chain-link sets: the texture shows up clearly and the look reads as more traditionally crafted. Emerald kundan against gold beading works across silk sarees and heavily embroidered lehengas where a flat chain gets lost. When the occasion calls for real presence, the layered necklace set delivers it.

Layered necklace sets have become the preferred choice for Indian festive dressing, as they provide the visual weight of traditional jewellery without the expense or upkeep associated with fine gold. The five picks here cover different stone colours and construction styles: emerald, ruby, blue, and beaded formats that suit everything from pre-wedding mehendi to Diwali parties to reception nights. Colour is the main decision factor: match the stone to your outfit's dominant tone rather than its accent. The gold base works across all of them. Browse Myntra for layered necklace sets that suit your outfit and occasion. Shop now on Myntra.