Ishwaryam Saving Schemes

Scheme Period: 11 months.

Monthly Instalment options: Rs.1,000/ Rs.2,000/ Rs.5,000/ Rs.10,000.

Total number of instalments to be paid: 11

ISHWARYAM enables customers to save in fixed advance instalments. By enrolling in this scheme, customers choose an amount of their choice as monthly instalment. There are various slabs starting from Rs.1,000. After completion of 11 months, customers can choose to buy gold ornaments or gold coins of their choice without Making charge or Wastage for the total amount saved in this scheme.

Monthly installment (R.S) Total Amount(Rs) Profit Amount(Rs)
5000 55000 6600

Terms and Conditions

The monthly instalment amount agreed by the customer must be paid continuously on the respective due dates (no later than 10 days from the due date) for 11 months without fail.

Payment can be made online every month through Credit/Debit card or Net banking or NEFT or by Cash at the showroom.

The monthly instalments cannot carried over or be paid in advance.

Payment of instalment/s beyond the stipulated period, or payment of more than one instalment WILL not be entertained.

Cash will not be refunded under any circumstances.

On completion of 11 months, customers can purchase gold jewellery for the total amount paid. Customers have the option to purchase gold coins also.

The applicable GST has to be fully borne by the customer. In case of increase in taxes or introduction of new levies/taxes, the same shall also be fully borne by the customer.

The advance payment cannot be extended beyond the 11 months period. The scheme will be discontinued in the event of any default in the monthly advance payments. Hence it is essential that the customer pays the advance payments continuously without fail. In the event of the customer not making any one advance payment during the tenure, the scheme will be discontinued automatically from that month, and the customer will not be entitled for ‘No Wastage’ as per the terms mentioned above.

The company reserves the right to alter, amend, add or delete part or whole of the privileges of the scheme without prior notice or suspend the scheme at any time. In such an event, money will not be refunded and the customer shall purchase any item at the showroom equal to the value of money.

Divyam Saving Schemes

Scheme Period: 20 months.

Monthly Instalment options: Rs.500 / Rs.1,000/ Rs.2,000/ Rs.5,000/ Rs.10,000.

Total number of instalments to be paid: 20

DIVYAM enables customers to save in fixed advance instalments. By enrolling in this scheme, customers choose an amount of their choice as monthly instalment. There are various slabs starting from Rs.500. We give a bonus of 2 months’ contribution at the end of the scheme. After the 20th month, customers can choose to buy gold ornaments of their choice without Making charge or Wastage for the total amount saved in this scheme.

Instalment Per Month in INR Total 20 Months Instalment in INR Bonus Total Amount Eligible for Redemption
500 10,000 1000 22,000
1000 20,000 2000 22,000
2000 40,000 4000 44,000
5000 1,00,000 10,000 2,20,000
10000 2,00,000 20,000 2,20,000

Terms and Conditions

The monthly instalment amount agreed by the customer must be paid continuously on the respective due dates (no later than 10 days from the due date) for 20 months without fail.

Payment can be made online every month through Credit/Debit card or Net banking or NEFT or at the showroom.

The monthly instalments cannot carried over or be paid in advance.

Payment of instalment/s beyond the stipulated period, or payment of more than one instalment WILL not be entertained.

Cash will not be refunded under any circumstances.

On completion of 20 months, customers can purchase gold jewellery for the total amount saved.

The applicable GST has to be fully borne by the customer. In case of increase in taxes or introduction of new levies/taxes, the same shall also be fully borne by the customer.

The advance payment cannot be extended beyond the 20 months period. The scheme will be discontinued in the event of any default in the monthly advance payments. Hence it is essential that the customer pays the advance payments continuously without fail. In the event of the customer not making any one advance payment during the tenure, the scheme will be discontinued automatically from that month, and the customer will not be entitled for ‘No Wastage’ as per the terms mentioned above.

The management reserves the right to alter, amend, add or delete part or whole of the privileges of the scheme without prior notice or suspend the scheme at any time. In such an event, money will not be refunded and the customer shall purchase any item at the showroom equal to the value of money/ weight in grams.

Soundaryam Saving Schemes

Scheme Period: 11 months.

Monthly Instalment options: Rs.1,000/ Rs.2,000/ Rs.5,000/ Rs.10,000.

Total number of instalments to be paid: 11

Soundaryam is a flexible 11 month Gold booking scheme. This scheme helps protect customers against rising gold rates. Under this scheme customers can book grams of gold every month for 11 months post which he/she can redeem the grams booked in form of Gold jewellery at gold rate applicable at the time of redemption. Customers can join this scheme and contribute towards their gold fund.

Monthly instalment amount is converted into Gold equivalent weight (at prevailing market rate) and accumulated in your account as gold. Customers can pay the rate of 22 karat gold that is prevailing on that day. After completion of 11 months, customers can choose to buy gold ornaments or gold coins of their choice without Making charge or Wastage equivalent to the gold accumulated in this scheme.

Monthly installment (R.S) Total Amount(Rs) Profit Amount(Rs)
5000 55000 6600

Terms and Conditions

The monthly instalment amount agreed by the customer must be paid continuously on the respective due dates (no later than 10 days from the due date) for 11 months without fail.

Payment can be made online every month through Credit/Debit card or Net banking or NEFT or by Cash at the showroom.

The monthly instalments cannot carried over or be paid in advance.

Payment of instalment/s beyond the stipulated period, or payment of more than one instalment WILL not be entertained.

Cash will not be refunded under any circumstances.

On completion of 11 months, customers can purchase gold jewellery for the total gold accumulated in their account. Customers have the option to purchase gold coins also.

The applicable GST has to be fully borne by the customer. In case of increase in taxes or introduction of new levies/taxes, the same shall also be fully borne by the customer.

In case the customer chooses an ornament that has inseparable excess weight, then the price of the excess weight will be the prevailing rate on that day plus average wastage charges and GST.

In case of balance in grams, if any, left out in the Savings Scheme account after adjusting the purchase item, gold coins are made available for the customers to purchase. Balance money will not be refunded in cash.

The advance payment cannot be extended beyond the 11 months period. The scheme will be discontinued in the event of any default in the monthly advance payments. Hence it is essential that the customer pays the advance payments continuously without fail. In the event of the customer not making any one advance payment during the tenure, the scheme will be discontinued automatically from that month, and the customer will not be entitled for ‘No Wastage’ as per the terms mentioned above.

The company reserves the right to alter, amend, add or delete part or whole of the privileges of the scheme without prior notice or suspend the scheme at any time. In such an event, money will not be refunded and the customer shall purchase any item at the showroom equal to the value of money.

The company reserves the right to alter, amend, add or delete part or whole of the privileges of the scheme without prior notice or suspend the scheme at any time. In such an event, money will not be refunded and the customer shall purchase any item at the showroom equal to the value of money.