Suvarna Sanchaya Yojana by Swarnam Jewellers, Pune

11 Monthly Savings, 1 Bonus Month, Endless Golden Rewards 

Looking for a trusted gold saving scheme in Pune? Join the Suvarna Sanchaya Yojana by Swarnam Jewellers and turn your monthly savings into beautiful BIS Hallmarked gold jewellery for your family, weddings, festivals, and special occasions.

Our monthly jewellery savings scheme helps customers save systematically while protecting themselves from rising gold prices. Whether you are planning bridal jewellery, gifting ornaments, or future investments, this scheme offers a smart and convenient way to buy gold jewellery in Pune.

What is Suvarna Sanchaya Yojana?

Suvarna Sanchaya Yojana is a monthly gold savings scheme offered by Swarnam Jewellers in Manjari Budruk, Pune. Customers can deposit a fixed amount every month and redeem the accumulated value for gold jewellery at the end of the scheme tenure.

This jewellery savings plan is specially designed for families who want to purchase gold jewellery through easy monthly installments without financial burden.

The Suvarna Sanchaya Yojana is a gold savings scheme where a customer pays monthly advance of ₹1,000 or more for 11 consecutive months to purchase 22K916 gold in the 12th month. Payments must be made on time using cash, NEFT, RTGS, UPI, or demand draft, and late advance reduce benefits by 5% per 30-day delay. Customers must complete KYC with Aadhar, PAN, ID, address proof, and bank details, and the scheme is non-transferable with no refunds. At maturity, GST, making charges, and any government taxes apply, and the purchase invoice will be in the customer’s name only. The scheme’s terms can be modified by Swarnam Jewellers, and all disputes fall under Pune Court jurisdiction. 

Benefits of Joining Our Gold Savings Scheme

Easy Monthly Savings

• • Start your gold investment journey with a minimum monthly contribution of ₹1000.

Protection Against Rising Gold Prices

• • Gold prices continue to increase over time. Saving monthly helps you plan jewellery purchases smartly.

Ideal for Weddings & Festivals

• • Perfect for bridal jewellery shopping, festive purchases, baby showers, anniversaries, and gifting occasions.

Trusted Local Jeweller in Pune

• • Swarnam Jewellers is known for quality craftsmanship, transparent pricing, and customer trust in Manjari Budruk and nearby Pune areas.

BIS Hallmarked Jewellery

• • All eligible jewellery purchased under the scheme is BIS Hallmarked for purity assurance.

Flexible Jewellery Selection

• • Choose from gold rings, mangalsutras, chains, necklaces, bangles, earrings, bracelets, payal, toe rings, and more.

 ────── ◈ ──────  Here’s a structured breakdown of Scheme ────── ◈ ────── 

1. Monthly instalment  

• Minimum instalment: ₹1,000.

• Must be paid in multiples of ₹1,000.

• Duration: 11 consecutive months.

• Payment modes allowed: Cash, NEFT, RTGS, UPI, Demand Draft.

• Advances must be paid on or before the defined due date.

• Late payment penalty: 5% reduction in benefit for every 30 days delay.

• Missed or late payments affect the total benefit.

2. Eligibility / KYC

• Customer must provide the following at enrolment:

  • Aadhar Card

  • PAN Card

  • Government ID

  • Address Proof

  • Bank Passbook

• Third-party payments are not allowed.

• Payments and benefits are non-transferable.

3. Gold Purchase

• Only 22K916 Karat Gold jewelry can be purchased under this scheme.

• At maturity (12th month), GST and making charges apply based on:

  • Accumulated amount

  • Additional gold purchased

• The purchase invoice will be in the customer’s name only.

• Purchase at maturity must be equal to or more than the total deposited amount.

• If the customer doesn’t make a purchase:

  • Account closes on the 360th day from activation.

  • Deposited amount is credited without any benefit.

4. Terms & Conditions

• No refund of deposited instalment.

• No other offers, discounts, or promotions apply.

• Any government taxes, cess, or changes at the time of purchase are borne by the customer.

• The scheme may be discontinued or modified by Swarnam Jewellers without prior notice.

• Swarnam Jewellers reserves the right to:

  • Accept or reject payments

  • Allow or prevent participation

• All grievances fall under Pune Court jurisdiction.

5. Timeline Example

• Plan starts: 1st April → 1st instalment due.

• 2nd instalment: 1st May → must be paid on/before 1st May.

• Continue until 11th instalment (March next year).

• 12th month (April next year): Maturity → eligible for gold purchase.

Why Customers Choose Swarnam Jewellers

Customers from Manjari Budruk, Hadapsar, Mundhwa, Keshavnagar, Magarpatta, and nearby Pune areas trust Swarnam Jewellers because of:

• Transparent jewellery pricing

• Genuine BIS Hallmarked jewellery

• Personalized customer service

• Modern and traditional jewellery collections

• Trusted local reputation

• Gold purity testing facility

• Bridal jewellery expertise

Frequently Asked Questions

Is this gold saving scheme safe?

Yes. Swarnam Jewellers follows transparent business practices and offers BIS Hallmarked jewellery.

Can I pay installments online?

Please contact the showroom for available online payment options.

What happens if I miss an installment?

Customers are advised to maintain regular monthly payments for uninterrupted scheme benefits.

Can I redeem the scheme for any jewellery?

Yes, customers can select eligible jewellery available at the showroom during redemption.

Is PAN card required?

PAN card may be required depending on transaction value as per government regulations.

Related Jewellery Guides

Before investing in a Gold Saving Scheme, it is important to understand gold purity standards and jewellery quality. Explore our comprehensive guides:

• Learn about BIS Hallmarked Gold Jewellery in our BIS and HUID Hallmark Guide.

• Understand diamond quality and certification with our Know Your Diamond Guide.

• Discover precious and semi-precious gemstones in our Know Your Gemstone Guide.

• Find the perfect fit using our Ring Size Guide.

• Maintain your jewellery's beauty with our Jewellery Care Guide.

Best Jewellery Savings Scheme in Pune

If you are searching for a reliable gold scheme in Pune, monthly jewellery installment plan, or gold savings scheme near Hadapsar and Manjari Budruk, Swarnam Jewellers welcomes you to join Suvarna Sanchaya Yojana today.

Save monthly. Buy confidently. Celebrate beautifully with Swarnam Jewellers.

Visit Swarnam Jewellers

Swarnam Jewellers

Mundhwa - Manjari Rd
Manjari Budruk, Pune, Maharashtra - 412307

For scheme enrolment, latest gold rates, and jewellery collections, visit our showroom or contact us today.