1. GRT Jewellers Gold Schemes
GRT Jewellers is a well-established jewellery brand in India, known for offering flexible gold savings schemes and transparent pricing. They focus on helping customers accumulate gold in small, manageable amounts over time.
GRT Golden Eleven Flexi Plan
This scheme allows customers to make monthly payments for 11 months, which can then be used to purchase gold jewellery afterwards. It is designed for people from all financial backgrounds, providing flexibility and security.
Tenure
11 months of monthly payments, based on value or weight.
Minimum Investment
Rs. 500/month.
Benefits
Option to buy gold jewellery, diamonds, or silver, avoiding price fluctuations.
Refund Policy
A Refund is available if the jewellery is not purchased at the end of the tenure (No Cash Refunds).
2. Tanishq Gold Schemes
Tanishq, part of Titan Company Limited, is one of India’s most trusted jewellery brands, recognised for its quality, craftsmanship, and customer-centric gold investment plans.
Tanishq Golden Harvest Scheme
This scheme enables investors to deposit a fixed amount over 6–10 months and redeem the accumulated funds for purchasing gold jewellery at maturity, with substantial discounts. It helps customers save systematically while benefiting from price stability.
Tanishq Swarnanidhi Scheme
This scheme allows investors to accumulate gold in small denominations, with monthly deposits converted into grams of gold according to the prevailing rate. It is ideal for those who want flexibility in the number and amount of deposits.
Tenure
8 months.
Investment
Monthly deposits converted into grams of gold as per rates.
Flexibility
No restriction on the number of deposits made during the tenure.
3. PNG Jewellers Gold Schemes
PNG Jewellers is a prominent South Indian jewellery brand, offering structured savings plans and discounts to help customers invest in gold while planning future purchases.
Suvarna Poornima Scheme
This scheme allows investors to choose a fixed monthly investment amount for 11 months, which can later be redeemed to purchase jewellery. It provides a disciplined approach to accumulate gold with additional savings on making charges.
Tenure
11 months.
Minimum Investment
Rs. 3,000/month and increments in multiples of Rs. 500.
Discount
10% on making charges at maturity, and the Month 12 instalment will be paid by PNG.
Kuber Scheme
This scheme requires a minimum investment and provides gold equal in value to the investment at maturity, along with interest. It is designed for investors looking for guaranteed returns in the form of physical gold.
Tenure
12 months.
Minimum Investment
Rs. 1,000 and increments in multiples of Rs. 100.
Benefits
Gold is equal in value to the investment credited at maturity, plus 8% interest and 10% discount on making charges.
PNG Gold Rush (Sanchayat Dhanavardhan)
This scheme allows investors to plan for gold purchases over longer durations of 12, 24, or 36 months. It is suitable for all income groups due to its low minimum investment requirement.
4. Kalyan Jewellers Gold Schemes
Kalyan Jewellers, established in 1993, is one of India’s leading jewellery retailers, offering a wide variety of gold and diamond jewellery along with structured savings plans.
Kalyan Jewellers Gold Scheme
This scheme allows investors to make monthly payments over a 12-month period, which can then be redeemed to buy selected gold jewellery. It is designed for individuals and institutions, including minors, who want flexibility in investment amount.
Tenure
12 months; can be closed by purchasing selected gold.
Monthly Instalments
Rs. 500–40,000 depending on jewellery choice.
Eligibility
Open to Indian citizens, individuals, trust funds, hedge funds, institutions, and minors.
5. Bhima Jewellery Gold Schemes
Bhima Jewellers, a South Indian jeweller since 1981, offers schemes that combine small savings with bonuses to make gold jewellery purchases easier.
Bhima Gold Tree Purchase Plan
This scheme helps investors accumulate gold over 2 years, with bonuses starting 6 months after enrolment. It is suitable for those looking for a disciplined investment plan with the added benefit of reduced making charges.
Tenure
Variable tenure, some outlets offer 6 months, while others can offer 18 months.
Deposits
Multiples of Rs. 250.
Benefits
Bonuses after 6 months can be used to offset making charges.
6. Malabar Gold Schemes
Malabar Gold & Diamonds is an Indian jewellery retailer with a strong international presence. Known for innovative schemes and excellent customer service, they help customers invest in gold while saving on making charges.
Malabar Gold & Diamonds Smart Buy Scheme
This scheme enables customers to save systematically and buy jewellery at discounts, either from in-stock items or pre-ordered out-of-stock products. It is suitable for buyers who want flexibility and the option to customise their jewellery.
Tenure
Flexible, based on customer preference.
Purchase Options
In-stock items or pre-order out-of-stock items.
Additional
Smart Buy + Customise option and 14-day return policy for ready-to-deliver products.
7. Prince Jewellery Gold Schemes
Prince Jewellery is recognised for contemporary designs and structured gold and diamond savings plans, catering to individual and family investments.
Prince Save N Gold
This scheme allows investors to make 11 monthly payments, which can then be used to purchase jewellery worth the total invested amount. It provides a disciplined savings approach for gold buyers.
Tenure
11 months; purchase in 12th month.
Minimum Investment
Rs. 500/month.
Purpose
Accumulate investment to buy jewellery.
Prince Save N Diamond
This scheme is similar to Save N Gold but focuses on diamonds. Investors can track payments via a passbook and redeem discounts on making charges, diamond rates, and uncut stones after 11 months of deposits.
Minimum Investment
Rs. 5,000, multiples of Rs. 1,000.
Benefits
Rs. 5,000 off per carat, 25% off on making charges, 10% off on uncut diamonds.
8. PNB Gold Schemes
Punjab National Bank (PNB) provides government-backed gold bonds and high-purity coins, offering secure investment options with fixed interest and liquidity.
Sovereign Gold Bond
The Sovereign Gold Bond scheme allows investors to buy bonds backed by the government, which can be redeemed in grams of gold. It provides stable returns with the security of government backing.
Denominations
1 gram; minimum 2 grams, maximum 500 grams annually.
Interest
2.5% per annum.
Transferability
Can be transferred to a third person with no tax charges.
PNB Gold Coins
These 24-karat gold coins are branded with the PNB logo and produced in Switzerland. Investors benefit from high-value gold holdings suitable for gifts or investment purposes.
9. Andhra Bank Gold Schemes
Andhra Bank offers Sovereign Gold Bonds with fixed returns, helping investors secure gold-backed investments and earn periodic interest.
Andhra Bank Sovereign Gold Bond Scheme
Investors can subscribe at the issue price and hold the bond for 8 years while earning interest. The scheme is suitable for individuals and institutions looking for safe and long-term gold investment.
Issue Price
Rs. 3,890 per gram (subject to updates).
Tenure
8 years.
Interest
2.5% per annum payable half-yearly.
10. ICICI Gold Schemes
ICICI Bank offers a variety of gold schemes, including gold monetisation, coin purchase, and sovereign bonds, catering to investors looking for liquidity, interest, and discounts on purchases.
ICICI Dream Gold Plan
This plan helps investors raise funds to buy gold using recurring or fixed deposits. Investors can also avail loans against their accumulated investment and purchase gold coins at a discount.
Purpose
Help raise funds to buy gold.
Loan Facility
Up to 90% of investment value.
Discount
30% on ICICI Gold coins till 3 months after maturity.
ICICI Gold Monetisation Scheme
Investors can deposit physical gold with ICICI Bank and earn interest on it for 3 to 15 years. The scheme encourages the utilisation of idle gold with guaranteed returns.
Tenure
Minimum 3 years, extendable up to 15 years.
Minimum Gold
30 grams.
Interest
Paid annually.
ICICI Bank Pure Gold
ICICI offers 24-carat gold in various denominations with assurance certificates at no extra cost. This scheme ensures transparency and convenience in purchasing physical gold.
ICICI Sovereign Gold Bonds
Government-authorised bonds issued by ICICI Bank for 8 years, providing assured returns with tradability on the stock exchange. Suitable for investors seeking safety and liquidity.
Tenure
8 years, exit from the 5th year.
Security
Government-authorised; tradable on stock exchanges.
11. HDFC Gold Scheme
HDFC Bank offers Sovereign Gold Bonds, providing interest along with gold investment. Open to individuals, HUFs, trusts, and institutions, it combines safety with systematic savings.
HDFC Sovereign Gold Bond
Investors earn fixed interest while holding gold bonds for 8 years, with early exit options from the 5th year. It is ideal for those who want a mix of returns and long-term gold accumulation.
Interest
2.5% per annum.
Tenure
8 years; exit from 5th year possible.
Investment Limits
1 gram minimum, 4 kg for individuals/HUFs, 20 kg for trusts/charitable institutions.
12. Axis Bank Gold Schemes
Axis Bank offers Gold Mohurs in 24-carat purity, providing investors with both collectable items and reliable investment options.
Gold Mohurs
These coins are certified by Assay and available in various denominations for ease of purchase. Suitable for investment, gifting, or long-term savings.
Purity
24 Karat, 99.99%.
Eligibility
All Axis Bank account holders; PAN needed for purchases above Rs. 50,000.
13. SBI Gold Schemes
State Bank of India provides gold coins, the Revamped Gold Deposit Scheme, and Sovereign Gold Bonds, offering both physical and bond-based gold investment options.
SBI Gold Coins
SBI offers coins in multiple denominations with guaranteed purity. They are ideal for gifting and personal investment, with verified quality assurance.
Denominations
2–50 grams.
Purity
Assay-certified 24 Karat gold.
Eligibility
Individuals and organisations.
14. Revamped Gold Deposit Scheme (R-GDS)
This government-initiated scheme allows investors to deposit idle gold and earn interest over a fixed tenure. It promotes productive use of gold while offering steady returns.
Purpose
Productive use of idle gold.
Tenure
1–15 years.
Minimum Deposit
30 grams.
Interest
Varies with tenure; premature withdrawal attracts a penalty.
15. RBI Sovereign Gold Bond Scheme
Issued by the Reserve Bank of India, these bonds offer interest along with gold value appreciation. Suitable for long-term investors seeking safe and structured investment.
Tenure
8 years, exit from the 5th year.
Interest
2.5% per annum.
Maximum Subscription
4 kg for individuals/HUFs; 20 kg for trusts and institutions.
These schemes offer a variety of options for individuals looking to invest in gold, catering to different financial capacities and preferences. It's essential to evaluate each scheme's terms and conditions to choose the one that best aligns with your investment goals.
