I have compiled a list of Gold Saving Schemes from different jewelers in India.
Tanishq: The Golden Harvest Scheme
Tanishq from the house of Tata Group is one of the biggest jewelers in India with country wide network. Also its Golden harvest Scheme is one of the most advertised. There are two options:
- The 11+1 Plan
- The 18 Months Plan
The 11+1 Plan Details:
Under this scheme, you need to invest a fixed amount every month with Tanishq for 11 months. The 12th month installment is paid by Tanishq.
The 18 Months Plan:
In the 18 months plan, you have to pay for 18 months – but the amount here can be flexible – meaning, you can choose how much you want to put each month. For example – you can start with enrolling for 2,000/-, increase it to 5,000/- the next month and even reduce it to Rs.500 the month after that.
Below is an example of both the plans:
| Scheme Type | 11+1 Plan | 18 Months Plan |
| You Pay | 3,000 | 3,000 |
| No of months | 11 | 18 |
| Total Paid | 11 X 3,000 = 33,000 | 18 X 3,000 = 54,000 |
| Bonus at Scheme Completion | 3,000 | 3,900 |
| Total Amount | 36,000 | 57,900 |
| Time period | after 12 months | after 18 months |
| Advantage | Discount – 100% of monthly instalment | Flexible deposits every month |
Website for registration and further details: Tanishq GHS
Gitanjali Jewelers: Tamanna Monthly Saving Scheme
Minimum amount to be invested is Rs 1,000 and additional investment in multiples of Rs 1,000.
Can purchase the following brands: Asmi, D’damas, Nakshatra, Gili, Maya Gold, Collection G, Gold Expressions, Diya under this scheme.
On Gold Jewellery Purchase: Pay 12 monthly installment + get 1 months installment as bonus
On Diamond Jewellery Purchase: Pay 12 monthly installment + get 2 months installment as bonus
Website for registration and further details: Gitanjali Tamanna
GRT Jewellers: Gold Tree Gold Saving Scheme
Tenure of the plan: 15 Months
Minimum Monthly Deposit: Rs. 500
Bonus: One installment bonus on payment of 15 installments
Gifts: 40% of one installment
Website for registration and further details: GRT Jewellers
Tribhovandas Bhimji Zaveri (TBZ): Kalpavruksha Plan Super
Minimum Monthly Deposit: Rs. 1,000 and additional investment of multiples of Rs. 500
Scheme Tenure: 12, 15, 18 and 24 Months
Bonus Amount:
- One month installment bonus for 12 month scheme
- One and half month installment bonus for 15 month scheme
- Two month installment bonus for 18 month scheme
- Three and half month installment bonus for 24 month scheme
Website for registration and further details: TBZ Plan
P C Jeweller: Jewels for Less
Minimum Amount: Rs. 1,000
Tenure: 12 Months
Bonus: Pay 12 installments while PC Jeweller pays the next two installments.
Website for registration and further details: P C Jeweller
Readers can add more about these schemes from different Jewelers and also their personal experience.
Also read about How good is Gold Saving Scheme before making any savings or investment with Jewelers!
Hello sir.i invested in cash payment installments scheme of 10 months in pcj…at the time of pandemic..will I get my proper amount back as I have paid 3 installments of 45000 rupees
The above offers are very attractive, like this, we have an attractive plan called Swarna Mithra. For more details please contact us
Want to buy diamond bracelet
i wantto purchase gold .is there any facility in which i can make the payment as monthly emi.
I want to purchase gold in instalment
These schemes are no more valid. You might want to invest in sovereign gold bond
Intrested in gold monthly saving schemes which one fo i prefer best
These Gold Saving schemes are not available anymore due to change in rules. You might want to subscribe to Gold Bonds in case you want to invest in Gold for next 5 to 8 years.
Intrested in gold monthly saving schemes which one fo i prefer best
hai sir, i want to have investments for my child in future what will you suggest whether to invest gold or have cash as fund
i need a gold harvest plan of online payment.will you suggest me if any one is there.
Hi Amit,
I really enjoyed reading you posts related to Gold Saving Scheme. I request you to please add Cherish Gold Plan – Best Gold Investment Plan in your post list. Because this plan really have great benefits for investors.
Hi, amit i wanna invest in the gold monthly installment scheme but which one will be better for me kinldy suggest?
preferably TBZ or Tansihq or as per u r prference..
Hi Amit , is there any way i can ontact you
You can email me at [email protected]
i want purchase gold jewellery
So these gold saving schemes seems good for you!
I INTERSTED TO BUY GOLD MI PL GUIDE