100% Secure Payments BIS Hallmarked Certified Easy Exchange & Refunds Trusted Jewellery Store
11+1 Scheme

Gold Savings Scheme

How It Works

Pay a Fixed Amount for 11 Months, We Add the 12th

Choose a monthly amount you're comfortable with and pay it for 11 months, on your own schedule — online or in-store. Once your 11th installment is in, your scheme is complete and you can redeem the full value towards any BIS-hallmarked jewellery piece at our showroom, at that day's gold rate — with making charges waived or discounted as our thank-you for saving with us. No interest, no hidden charges, and if you ever need to stop early, every rupee you've paid comes straight back to you.

✦ Available at both Aul & Pattamundai showrooms
Why It's Worth It

Built to Benefit You, Not Just Us

Zero Interest

Unlike a loan or credit card EMI, there's no interest — every rupee you pay goes towards your jewellery.

Making Charges Waived

Complete all 11 installments and we waive or discount making charges at redemption — real savings on top of what you paid in.

Full Refund If You Stop

Change your mind partway through? Every rupee you've paid is refunded to your wallet — no fees, no questions.

Your Own Pace

Pay each month's installment online or in-store, whenever suits you that month.

Get Started

Start Your Plan

Choose Metal

Over 11 months, you'll pay a total of ₹22,000, then redeem that full amount towards jewellery — with making charges waived/discounted at redemption.

By starting a plan, you agree to our Terms & Refund Policy. This is a prepaid arrangement redeemable only as jewellery at Aviram Jeweller — not a bank loan, deposit, or investment product.

Common Questions

Gold Savings Scheme — FAQs

Is this a loan or EMI from a bank?

No. You pay us first, in fixed monthly amounts, and redeem the total as jewellery at the end — the opposite of a loan. There's no interest, no credit check, and no bank involved.

What rate do I get when I redeem?

The gold/silver rate on the day you redeem at the showroom — not the rate on the day you enrolled or paid each installment. This is what lets us waive making charges instead of charging interest anywhere in the scheme.

Can I skip a month?

There's no fixed due date enforced automatically — pay each installment when it suits you. Just note your scheme only completes (and becomes eligible for the making-charge waiver) once all 11 are paid.

What if I want my money back?

Message us anytime and we'll refund every rupee you've paid so far to your Aviram Jeweller wallet — no fees. You'll simply forfeit the making-charge waiver, since that's only available on a completed plan.

Can I have more than one plan?

One active plan at a time keeps this simple to track. Finish or stop your current plan before starting another.