This document summarizes the process of pearl formation. It begins by introducing pearls as a round concretion produced biologically by molluscs. Pearls form when a foreign object or nucleus becomes enclosed in nacreous material secreted by the mollusc. The document then describes the multi-layered structure of mollusc shells. It discusses natural and artificial pearl production methods and the chemical composition and quality assessment of pearls. Key stages in pearl formation like nucleus insertion and convalescence are outlined. Finally, the document lists common pearl-producing mollusc species and their distribution.