Dr. Kenoyer writes (Ancient Cities, pp. 134-35):

"Figurines with elaborate headdresses and numerous layers of necklaces are usually somewhat larger than the more simple terracotta figurines. A figurine with three sets of chokers and necklaces –one of the largest found at Harappa (fig. 7.23)— has the common fan-shaped headdress with cups on both sides of the head. Although much of the headdress is missing, traces of black pigment or soot inside the cups suggest that they were filled with oil for use as a sacred lamp. It is also possible, however, that a sooty black pigment may have been used to depict black hair. The forward projecting face is made separately and attached to the body after all the ornaments had been applied. Large, heavily ornamented figurines also have been found at Mohenjo-daro (see cat. no. 135 [similar figurine]), and both sites have produced hoards of jewelry containing ornaments identical to those on these figurines."