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Every mONTHLY Installment is

Instantly converted into 22KT gold

Booked at the gold rate on the payment day

Protected from future price increases

You don’t wait to buy gold later

You start owning gold from day one

Get upto 50% off on Making Charges

Instantly converted into 22KT gold

Booked at the gold rate on the payment day

Protected from future price increases

You don’t wait to buy gold later

You start owning gold from day one

Get upto 50% off on Making Charges

How does It work?

STEP 1

Choose a fixed monthly instalment ₹5,000 minimum | ₹1,00,000 maximum

STEP 2

Pay one instalment per month Instalment amount is fixed at enrolment

STEP 3

Amount is converted to 22KT gold instantly Gold rate applicable on the payment date

STEP 4

Continue for 10 consecutive months

STEP 5

Scheme becomes eligible for redemption in the 12th month

STEP 1

Choose a fixed monthly instalment ₹5,000 minimum | ₹1,00,000 maximum

STEP
02

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STEP
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Gold Scheme Calculator

Today's Gold rate (24kt): ₹15626.00

Your Payment: ₹5000

Your Reserved Gold: 0 units

Note: Pay all installments on time and choose between one of the following options for your special benefit voucher:

FAQ's

1. What is Golden Habit?
Golden Habit is a 10-month gold accumulation scheme where every monthly instalment is instantly converted into 22kt gold at the prevailing rate on the date of payment.
No. GST and applicable government taxes are charged separately at the time of jewellery purchase.
The scheme can be redeemed in the 12th month, after completion of the scheme tenure.
Yes. Making charge benefits apply only to the gold accumulated under the scheme. Any excess gold quantity or value will be billed at standard making charges.
No. Golden Habit can be redeemed only against jewellery purchases (Gold, Diamond, Polki, Kundan, etc.).
If an instalment is not paid within the 7-day grace period, the scheme will be automatically cancelled, and only the instalment amount will be refunded.
No. The monthly instalment amount is fixed at the time of enrolment and cannot be changed during the scheme tenure.

Yes. Customers are allowed to participate in multiple Golden Habit schemes simultaneously.

No. No other scheme, offer, or discount can be combined with Golden Habit.

No. Golden Habit is a jewellery purchase scheme, not an investment product. Gold prices fluctuate, and future prices or returns cannot be predicted or guaranteed.

TERMS AND CONDITIONS

  • Golden Habit is a 10-month gold accumulation jewellery purchase scheme offered by the company.
  • The scheme becomes eligible for redemption only in the 12th month from the date of enrolment.
  • The minimum monthly installment amount is `5,000 and the maximum monthly installment amount is `1,00,000.
  • The monthly installment amount must be selected at the time of enrolment and cannot be changed during the scheme tenure.
  • Only one installment per month is permitted under the scheme.
  • Installments must be paid for 10 consecutive months without a break.
  • Each monthly installment is instantly converted into 22KT gold at the prevailing showroom gold rate on the date of payment.
  • Gold accumulated under the scheme is maintained only in records, and no physical gold shall be issued during the scheme period.
  • Gold once credited under the scheme is not affected by future price fluctuations.
  • The scheme can be redeemed only against jewellery purchases.
  • Jewellery may be purchased in 22KKT, 18KT, or 14KT gold, as per customer choice.
  • Redemption against gold coins, bullion, or bars is strictly not permitted.
  • The accumulated gold under the scheme is maintained in 22KT purity.
  • If jewellery is selected in 18KT gold, the accumulated 22KT gold shall be converted using the following formula:
    • Accumulated 22KT gold (in grams) × (22 ÷ 18). If jewellery is selected in 14KT gold, the accumulated 22KT gold shall be converted using the following formula:Accumulated 22KT gold (in grams) × (22 ÷ 14). The converted gold quantity shall be considered final for billing and redemption purposes.
    • Any jewellery weight or value exceeding the accumulated or converted gold quantity shall be billed separately at prevailing rates.
    • On successful completion of the scheme, customers are eligible for:
    • 5-25% off on making charges of Gold Jewellery
    • 10-50% off on making charges of Diamond Jewellery
    • Making charge benefits apply only on the gold quantity accumulated under the scheme or its converted equivalent.
    • Making charge benefits do not apply on stones, diamond value, taxes, or any additional charges.
    • GST and all applicable government taxes shall be charged over and above the installment amounts at the time of jewellery purchase.
    • Golden Habit scheme cannot be combined with any other scheme, offer, discount, or promotion.
    • Customers are allowed to run multiple Golden Habit schemes simultaneously.
    • Scheme benefits are non-transferable and can be redeemed only by the enrolled customer.
    • 7-day grace period is allowed from the due date of each monthly installment.
    • If an installment is not received within the grace period, the scheme shall be automatically cancelled without further notice.
    • Gold prices fluctuate daily and future gold rates cannot be predicted or guaranteed. Actual gold accumulation and value will depend on the gold rate applicable on the date of each instalment payment.
    • Upon cancellation of the scheme:
    – Only the total installment amount paid shall be refunded – Gold prices at the time of cancellation shall not be considered – No making charge benefits or scheme benefits shall apply – A refund shall be processed to the customer’s registered bank account within 7 working days
    • In the event of any early closure allowed by the company, no scheme benefits shall apply, and a refund shall be processed strictly as per the cancellation policy.
    • Golden Habit is a jewellery purchase scheme and not an investment or deposit product.
    • No interest or assured returns are payable under the scheme.
    • Gold prices fluctuate and future gold rates cannot be predicted or guaranteed.
    • The company reserves the right to amend, modify, suspend, or withdraw the scheme or its terms at any time without prior notice.
    • All disputes, if any, shall be subject to local jurisdiction only.
    • The company’s decision in all matters relating to the scheme shall be final and binding.
    • Making charges applicable on the gold rate at the date of scheme redemption.
               

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