Monthly Gold Savings Schemes

Detailed terms and conditions for our Monthly Gold Savings Schemes

Last updated: January 2026

1. Scheme Overview

The Monthly Gold Savings Schemes at Ghanshyam Gold are designed to help you invest a fixed amount every month and build a corpus for future gold, silver, or copper purchases. By participating in this scheme, you agree to the terms and conditions outlined on this page, along with our general store policies.

2. Monthly Investment Amount

  • The minimum monthly investment amount is ₹1,000.
  • Customers may choose to invest a higher fixed amount as per their preference.
  • The chosen monthly amount will remain constant for the duration of the scheme unless otherwise agreed in writing at the store.

3. Tenure and Duration

  • The minimum tenure for the scheme is 12 months.
  • Customers may choose to continue the scheme for more than 12 months by extending the period in agreement with the store.
  • The total investment for the scheme is calculated as the monthly contribution multiplied by the number of months paid.

4. Payments and Due Dates

  • Monthly payments should be made on or before the agreed due date each month.
  • Payments are collected through secure digital payment methods or as otherwise agreed at the store.
  • Proof of payment (receipt or digital confirmation) should be retained by the customer for future reference.
  • Delayed or missed payments may affect the maturity date and benefits of the scheme and will be handled as per store policy.

5. Benefits at Completion of Minimum Tenure

Once you have completed at least 12 monthly payments (minimum tenure), you are eligible for the scheme benefits. At the end of the tenure, you may choose one of the following options:

  • Option A – Purchase Jewellery: Use the total amount invested along with 10% additional value (interest/bonus) to purchase gold, silver, or copper items from Ghanshyam Gold at prevailing rates.
  • Option B – Receive Amount: Receive the total amount equal to your total investment plus 10% additional value (interest/bonus), subject to in-store verification and applicable policies.

The choice between purchasing jewellery or receiving the amount will be made by the customer at the time of maturity and is subject to verification and completion of all required documentation.

6. Early Completion of Payments

  • If you complete all your planned installments earlier than the original schedule, you may request early closure of the scheme.
  • Early closure benefits will be provided only after you have completed at least 12 monthly payments.
  • Once eligible, you may choose to receive gold/silver/copper or the total amount (investment plus applicable 10% interest/bonus), similar to the options at normal maturity.
  • The exact settlement date and benefits will be confirmed at the store at the time of early closure.

7. Cancellation of the Scheme

  • If you wish to cancel your Monthly Gold Savings Scheme before completion, you can raise a cancellation request through our official WhatsApp bot or by contacting the store.
  • Upon receiving your cancellation request, our team will verify your details and guide you through the process.
  • Refunds or settlement amounts for cancelled schemes will be processed as per our Refund & Cancellation Policy and any specific agreement made at the time of enrollment.
  • In some cases, cancellation before completing the minimum tenure may result in reduced or no interest/bonus benefits.

8. WhatsApp Bot and Communication

  • Our WhatsApp bot can be used to raise cancellation requests and to get basic information about your scheme.
  • For security reasons, final confirmations, identity verification, and financial settlements may still need to be completed in person at the store.
  • Customers are responsible for ensuring they use only the official contact details of Ghanshyam Gold for any communication.

9. Applicable Interest/Bonus

  • The 10% additional value (interest/bonus) is calculated on the total amount invested under the scheme, subject to successful completion of the minimum tenure and other applicable terms.
  • The interest/bonus is a scheme benefit and may be revised for new enrollments at the discretion of Ghanshyam Gold. Any changes will not affect schemes already in progress under agreed terms.
  • All calculations and final settlement amounts will be confirmed at the store and documented at the time of closure.

10. Other Terms and Responsibilities

  • Customers should carefully read and understand these terms before enrolling in the scheme.
  • All general Terms & Conditions and the Refund & Cancellation Policy of Ghanshyam Gold also apply to the Monthly Gold Savings Schemes.
  • Gold, silver, and copper purchases at maturity are subject to prevailing market rates and making charges.
  • Ghanshyam Gold reserves the right to modify, pause, or discontinue the scheme for future customers. Existing customers will continue under the terms agreed at the time of their enrollment.

11. Support and Clarifications

For any questions, clarifications, or detailed explanation of the Monthly Gold Savings Schemes, please contact us before or during your enrollment:

  • Phone: +91 88888 83408
  • Email: ghanshyamgold75@gmail.com
  • Visit our store during business hours

Important: By enrolling in the Monthly Gold Savings Schemes and making payments, you acknowledge that you have read, understood, and agree to these terms and conditions along with Ghanshyam Gold’s general policies.