A Smart Way to Save for Your Gold Purchases — No Making Charges, No Wastage

Brief Description

At Hari Om Jewellers, our 11-Month Gold Purchase Advance Plan lets you save a fixed amount every month and convert it into gold at that month’s prevailing rate. Simply choose your monthly contribution amount, pay it consistently for 11 months, and the equivalent gold weight is credited to your account based on the board rate on the date of payment. At the end of the scheme, your accumulated gold value can be redeemed towards the purchase of gold ornaments of your choice — completely free of making charges and wastage.

This plan is designed to make gold buying easier and more affordable, helping you build your gold savings gradually instead of paying a lump sum at the time of purchase.

How It Works

• Enroll and choose your monthly installment amount (e.g., ₹10,000/month)
• Flexible Installment Options — Choose a monthly installment amount that suits your budget, ranging from as low as ₹2,000 up to ₹2,00,000 per month
• Pay the fixed installment every month for 11 consecutive months
• Each payment is converted to gold weight based on that day’s board rate
• At the end of 11 months, redeem your total accumulated gold value towards any gold ornament of your choice

Advantages of the Scheme

• No Making Charges — Save significantly on charges normally added during ornament purchase
• No Wastage Charges — Applicable on all gold ornaments purchased under the scheme
• Disciplined Savings — Encourages regular monthly saving instead of a lumpsum burden
• Budget-Friendly for Everyone — Monthly installment options ranging from ₹2,000 to ₹2,00,000, so customers from all income groups can join
• Rate Averaging Benefit — Gold is purchased at the rate prevailing each month, averaging your cost across market fluctuations over the year
• Flexible Choice — Redeem the accumulated gold value on any ornament of your choice at the end of the tenure
• Trusted & Transparent — Clear month-wise tracking of amount paid, rate applied, and gold weight accumulated
• Exclusive to Gold Purchase — Scheme benefits (no making charges/wastage) apply only when redeemed for gold purchase under this plan

Terms & Conditions

• The customer may select any monthly installment amount between ₹2,000 and ₹2,00,000, as per their budget, at the time of enrollment
• The chosen installment amount must remain fixed for all 11 months of the scheme once selected
• The customer must pay the fixed monthly installment for all 11 months to be eligible for the scheme benefits
• The gold weight credited each month is calculated based on the board rate applicable on the date of payment
• A GST of 3% will be applicable on the total amount paid by the customer over the 11-month period, as per government regulations
• If the ornament chosen by the customer weighs more than the total accumulated gold weight under the scheme, the customer shall pay for the additional gold weight at the board rate applicable on the date of redemption, along with applicable making charges on the extra weight only
• If the ornament chosen weighs less than the accumulated gold weight, the balance weight/value can be adjusted towards another ornament or as per the store’s prevailing policy
• No Making Charges and No Wastage benefits apply only to the gold weight accumulated under the scheme, and not to any additional weight purchased separately
• The scheme is valid only for redemption against gold ornament purchases at Hari Om Jewellers and is not transferable or redeemable for cash
• Missed or delayed monthly payments may affect scheme benefits as per the store’s discretion
• The final board rate, making charges, and all other terms are subject to the store’s policy at the time of redemption