How It Works
A simple 4-step process to make your gold jewellery dreams come true
Enroll with Documents
Submit PAN and Adhar Card, cancelled cheque, and complete verification
Pay Monthly × 12
Make regular monthly installments for 12 months
We Add the 13th
Company contributes your 13th month installment
Redeem Jewellery
Use full value to purchase your dream jewellery
Sample Calculation
See how your savings grow
Plan Benefits
Why thousands choose our Gold Savings Plan
Flexible Savings Start
Begin your plan with affordable monthly installments.
Guaranteed Bonus
13th month contribution guaranteed by the company at maturity.
Flexible Jewellery Redemption
Choose from our entire collection of certified gold and diamond jewellery.
100% Transparent & Secure
Fully regulated, transparent process with secure payment methods.
Sample Calculation
See how your savings grow
* At 6 months tenure, you receive only your capital back with no benefit. Benefits start from 7 months onwards.
Illustration of Benefits
Monthly Installment of ₹10,000
Detailed Benefit Breakdown
| Monthly Installment Amount | Duration (Months Completed) | Benefit % on Monthly Installment | Benefit Amount (₹) |
|---|
* Benefits increase progressively from month 6 onwards. Early exit benefits apply as per the table above.
Enrollment Requirements
Quick and simple documentation process
PAN Card*
Valid Permanent Pan card Number for verification
Cancelled Cheque/Passbook*
Bank account proof for payment processing
Adhar Card Requirement*
Valid Permanent Adharcard for verification
Terms & Conditions
Please read these important terms carefully before enrolling
● The plan tenure ranges from 6 months to 12 months.
● Customers can enroll by submitting valid documents such as a mandatory PAN Card, Aadhaar Card, and a cancelled cheque or bank passbook.
● The plan is available only for individuals, is non-transferable, and enrollment is subject to successful document verification.
● Monthly installments must be fixed and paid regularly.
● Accepted payment methods include Net Banking, UPI, and Credit/Debit Cards.
● The minimum monthly installment is ₹3,000, and you can choose any higher amount in multiples of ₹1,000, for example ₹4,000, ₹5,000, ₹6,000, and so on.
● All installments must be paid within the respective month, before month-end.
● Installments once paid cannot be adjusted, skipped, or refunded.
● The plan matures after payment of the final installment.
● Jewellery must be purchased within 60 days from the date of plan maturity.
● On maturity, the customer must purchase jewellery from the store or website.
● Cash redemption is not allowed at maturity.
● The benefit amount is redeemable only against jewellery purchase.
● The plan cannot be discontinued during the first 6 months.
● If the customer cancels the plan or does not complete all installments, the 13th-month benefit will not be applicable.
● If the plan is not redeemed within the stipulated time after maturity, the total installment amount paid will be refunded to the customer’s bank account.
● No additional benefit or bonus will be paid in such cases.
● All refunds, if applicable, will be processed only via bank transfer.
● Gold price fluctuations do not affect the benefit structure.
● The benefit applies only at the time of final jewellery purchase.
● Plan benefits are non-transferable
● Disputes subject to jurisdiction of company's registered office
Frequently Asked Questions
Everything you need to know about the Gold Savings Plan
You pay fixed monthly installments for 12 months and receive a 13th-month benefit on jewellery purchase at maturity.
You may miss up to 2 installments, but if a 3rd installment is missed, the plan is discontinued and the entire amount paid till date is refunded (without any benefit).
If you choose to withdraw from the plan before maturity, the total amount paid till date will be refunded to your bank account. No benefit or bonus will be applicable in such cases
Yes, the 13th month installment contribution is guaranteed by the company for all plans that successfully complete the 12-month tenure. This bonus is added automatically at maturity and can be used along with your payments to purchase jewellery.
The plan is valid only on jewellery purchases and not on gold coins or silver articles.
Yes, you may make a jewellery purchase only after the 6th month. However, only the applicable benefit as per the benefit breakdown table will be applied.
Your payments are held in a secure, regulated account. We follow strict financial compliance and security protocols. All transactions are encrypted and protected. Additionally, our company is registered and regulated by appropriate financial authorities.
Yes, you can have multiple Gold Savings Plans at the same time.
