Monthly Contributions and Gold Rates

• Monthly Advance (Min Slab @5K): This column indicates the amount the individual contributes each month, starting from a minimum of ₹5,000. Customers have the flexibility to increase or decrease the investment based on personal financial circumstances. The investments have to be in the multiples of Rs 1000 and minimum monthly investment can not be below Rs 5000.
• Gold Rate (Incl. GST): This reflects the price of gold per gram, including Goods and Services Tax (GST). The rates fluctuate each month, reflecting market conditions. For instance, in the first month, the gold rate is ₹7,591 per gram, while in the last month, it is ₹7,258.

Gold Weight Accumulation

Gold Weight Credit & Accumulated: This column shows the amount of gold accumulated in grams based on the monthly contributions and the prevailing gold rates. For example, in the first month, a ₹5,000 contribution at ₹7,591 per gram results in an accumulation of approximately 0.659 grams of gold. By the end of the 12-month period, the total accumulated weight reaches 16.391 grams, demonstrating how regular contributions lead to substantial gold accumulation over time.

Discounts on Jewelry Purchases

Making Charges Discount on Jewelry Purchase: As a bonus for accumulating gold, customers are entitled to discounts on making charges when purchasing jewelry. The discounts range from 10% in the seventh month to 20% in the twelfth month. This incentivizes customers to not only save in gold but also to invest in jewelry, providing added value to their accumulation plan.

Flexibility and Payment Structure

Payment Flexibility: The plan allows for payments in multiples of ₹1,000, offering flexibility to contribute more as financial conditions allow. This feature makes it accessible to a wider range of individuals who might prefer to adjust their investment based on their financial situation.