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Tanishq Gold Schemes

Tanishq is a premier contemporary jewellery brand of India. Established as a subsidiary of Titan Company Limited in collaboration with Tamil Nadu Industrial Development Corporation, the headquarters of Tanishq is in Bengaluru, Karnataka. Tanishq has pioneered the field of jewellery making and craftsmanship. Their designs range from bridal sets, party diamonds, solitaires, casual and workwear jewellery. With a PAN India presence, Tanishq also creates gold jewellery of 18K & 22K purity along with providing precious stones and pearls. We have carefully curated this article to help you understand the different types of gold schemes offered by Tanishq. Read on to find out more.

Tanishq Golden Harvest Scheme

This is a smart and secure way to purchasing gold of your choice. Under this scheme, you are simply required to deposit a monthly sum which can be later utilised to purchase the gold jewellery of your choice at a subsidized rate. The purpose of this scheme is to facilitate customers to set aside money so that they can purchase gold at a later date with discount. This scheme comes with two options for investment duration, 6 and 10 months.

Features of Tanishq Golden Harvest Scheme

Option to deposit money for 6 or 10 months.
The jewellery will be subjected to an added discount.
You can buy from any of the Tanishq showrooms across India.
You can buy from 18 Karat diamond studded jewellery to 22 Karat pure gold jewellery.
Comes with the option of Auto-Debit as a form of payment.

Benefits of Tanishq Golden Harvest Scheme

Option to make online payment via credit/debit/net banking.
Flexibility to select the amount of money for depositing.
You can avail a discount up to 75% on the jewellery of your choice under this plan.
Option to become a member of Encircle - Titan’s exclusive loyalty program.

Terms and Conditions

You can open this scheme at any Tanishq showroom with a valid KYC ID proof.
The minimum deposit amount is ₹2,000 followed by multiples of ₹1,000. This is applicable for a period of 6 or 10 months.
You can avail a discount up to 55-75% or one installment post maturity.
This is applicable for gold and diamond jewellery. You cannot purchase gold coins under this scheme.
The customer will be given a scheme book which will record all the payments made during the purchase of this scheme.
As a customer, you are required to mandatory close the account within a period of 421 days from the date of account opening.

Example


1st Jan 2017	1st Nov 2017	2000	1100	55%
1st Jan 2017	1st Dec 2017	2000	1300	65%
1st Jan 2017	1st Jan 2018	2000	1500	75%
1st Jan 2017	421st day	2000	1500	75%

The table has been sourced from the official website of Tanishq Golden Harvest.

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Tanishq Swarnanidhi Scheme

This is a gold booking scheme where a customer can book grams of gold and redeem them against gold purchases from Tanishq. You can make a deposit per month for 8 months and the deposited amount gets automatically converted into gold grams as per the prevailing gold rate during the time of deposit. The total amount at the end of 8 months tenure can be utilised to purchase jewellery. E.g. If you have booked a total of 100 grams over 8 months under this scheme and the rate of redemption is ₹1,000 per gram of gold, then you are entitled to buy gold worth ₹1,00,000/-.

Features of Tanishq Swarnanidhi Scheme

Flexibility to pay a fixed amount every month, you can pay any number of installments in a month.
Ideal for wedding planning or festivals. You can start 8 months before the date of purchasing gold/wedding date or before the festival.
There is less risk as you are purchasing gold in grams which is not affected by the gold rate change.
Option to become a member of Encircle - Titan’s exclusive loyalty program.

Benefits of Tanishq Swarnanidhi Scheme

You can make any number of installments in a month.
Helps you save money for making a large gold purchase.
The grams of gold are calculated on a monthly basis as per your monthly deposit/installment. If the price of the gold goes up, you will have a larger corpus to make the purchase during maturity.
Comes with the option of instant pay and Auto-Debit.

Terms and Conditions

You can open this scheme at any Tanishq showroom with a valid KYC ID proof.
The gold grams are dependent upon the monthly deposits/installments.
You can encash your entire deposit post the 8 months period for purchasing gold jewellery from Tanishq.
This is applicable for gold and diamond jewellery. You cannot purchase gold coins under this scheme.
Tanishq has full rights to alter/suspend this scheme.
The value of the jewellery selected should be equal or higher of the pre-booked gold grams.
The minimum deposit amount is ₹3,000 followed by multiples of ₹2,000.
GST and additional repair, making charges are applicable.
The deposited amount will be refunded to the individual post 10 months in case no purchase has been made.

How does this scheme work?

If you begin with this scheme on 1st Jan 2019:

First Installment	1st Jan 2019
Amount paid ( For ex )	Rs. 30000
(assuming) Gold rate on 1st Jan	Rs. 3000
Hence, Grams booked	10 gms
Second Installment	15th Feb 2019
Amount paid ( For ex )	Rs .10000
(assuming) Gold rate on 15th Feb	Rs. 3100
Hence, Grams booked	3.22 gms


Date of redemption	1st Sep 2019
Total grams booked	100 gms
(Assuming) Gold rate on 1st Sep	Rs. 4000
Total value of redemption	Rs. 400000

FAQs

Where can I buy Tanishq Gold Schemes?

You can purchase any of the gold schemes offered by Tanishq from any Tanishq showrooms across India with a valid KYC or Id proof.

Is there online payment available?

Yes, you can make the payment online directly at the portal with instant pay or Auto-Debit facility.

What do I require for account redemption?

You are required to present your Golden Harvest Booklet given during the time of purchase for redeeming your account.

Who can enroll for the Golden Harvest Scheme?

Any individual above the age of 18 with a valid KYC ID proof can apply for a Golden Harvest Scheme.

Is there a nomination facility?

Yes, you can hold a nominee during the time of purchasing this scheme. The nominee will receive all benefits associated with this scheme in case of your death.