advice i've been given (and i own many indian and other fine art rugs), is that you should buy based solely on your love of a rug, after much looking around, and not based on any value that you think it now has or will have in the future. therein you needn't worry so much.
i suggest you see the people making the rugs. are these children in dark rooms? the indian rug industry is horrible and notorious for improper child labor. do some research.
there are however reputable manufacturers. one that i am familiar with, and have an exquitite fine rug from is SHYAM AHUJA LTD.33/34, Dr. Annie Besant Road Post Box No. 6594, Worli, Mumbai Bombay) 400 018, INDIA.Tel : +91.22.24926017 / +91.22.24930895. web site is at
http://shyamahujahome.com.