Gold Saving Scheme in Pune | Swarnam Jewellers

 ────── ◈ ──────  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.

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.