26/05/2026
Swarna Soubhagya
1. The scheme tenure is 11 months, with a minimum enrolment amount of ₹12,000
2. The enrolment amount must be in multiples of ₹1,000
3. Equivalent quantity of gold in 22K will be booked at the prevailing gold rate as on the day of paying instalment.
4. Total accumulated gold will be converted into value at average gold rate of accumulation at the time of redemption.
5. If the prevailing gold rate on the day of invoice, is lower than the average gold rate of accumulated gold, customers will be charged with lower gold rate.
6. This scheme cannot be clubbed with any other ongoing offers, promotions, or discounts.
7. Other category of scheme (Swarna Labh, Swarna Yojana & Swarna Vriddhi) cannot be clubbed with Swarna Soubhagya scheme at the time of redemption.
8. Two different Swarna Soubhagya account can be clubbed [subject to both accounts are in same customer ID] but the benefit of one account can be extended at the time of redemption.
9. Instalment can be paid at stores only and the prevailing gold rate of origin store will be applicable at the time of instalment payment.
10. NACH is not possible for this scheme.
11. Additional Benefit at the time of Redemption
(i). Gold Jewellery & Gold Bullions (Coins, Bars & Beans): Upto 15% less making charge.
(ii). Diamond Jewellery: 100% discount in Making Charge & 10% discount on Diamond value
(iii). Solitaire Diamond Jewellery: 50% discount in Making Charge & 5% discount in Diamond value.
(iv). Loose Diamond: 5% discount in Diamond value
(v). Polki Jewellery: 30% discount in Making Charge & 20% discount in Polki Value.
(vi). Unstudded Platinum Jewellery: 30% discount on Making Charge.
(vii). Studded Platinum Jewellery: 30% discount on Making Charge & 10% discount on Diamond value.
(viii). Silver Jewellery: 10% discount on Making Charge (not applicable on Silver Bullions).
(ix). Gemstone Jewellery: 5% discount on Stone value.
12. Scheme benefits shall be applicable only up to the quantity/value of gold accumulated under the scheme. If the customer purchases gold jewellery exceeding the eligible scheme gold weight/value, the excess quantity/value shall be charged at the prevailing gold rate along with normal making charges. No additional scheme benefits or offers shall be applicable on the excess weight/value.
13. Scheme benefits may be applied if any part of the scheme amount is utilised in case of Diamond Jewellery purchase. Any diamond jewellery which is not covered by the scheme amount, even in parts, is not eligible for scheme benefit.
14. Payment of instalments after due dates will be considered as a default, for that months and the eligible discount would be reduced proportionately.
15. Early Exit / Pre-Maturity:
(i). Gold Jewellery:
(a). Before 6 months: Only average gold rate benefits applicable. (Current store offers applicable in all categories).
(b). After 6 months: Customer will get average rate benefit & 20% discount in making charge (not applicable in gold coin).
(ii). Diamond Jewellery: 50% discount in Making Charge & 5% discount on Diamond value.
(iii). Polki Jewellery: 20% discount in Making Charge & 5% discount in Polki Value.
(iv). Platinum Jewellery: 15% discount on Making Charge.
(v). Studded Platinum Jewellery: 15% discount on Making Charge & 5% discount on Diamond value.
(vi). Silver Jewellery: 10% discount on Making Charge (not applicable on Silver Bullions).
(vii). Gemstone: 5% discount on Stone value.
