22K Gold /g 24K Gold /g Silver /g
+91 416 223 5009
V. Chetty Radhakrishna Chetty Jewel Craft — Since 1860
Gold market is unpredictable — plan for it

SWARNALAKSHMI
Gold Advance Purchase Plan

Fix the gold price on every instalment you pay. Save monthly for 10 months, buy your jewellery in the 11th — with up to 11% value addition waived as per tag.

Up to 11%

No Value Addition as per tag, on ornaments and coins purchased under the plan.

Day's rate, locked

Every monthly advance converts to gold grams at that day's rate — you decide when to fix the price.

10 months

Groups from ₹500 to ₹10,000/month. Pay 10 instalments, purchase in the 11th month.

Plan it

Plan calculator

Gold each month
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Accumulated in 10 months
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Total advance paid
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Illustration at today's 22K rate () held constant. Under the plan, each instalment actually converts at that day's prevailing rate — so your accumulation varies with the market. Not a guarantee of returns.

How the plan works

The plan in detail

  • Your monthly advance is converted into gold the day you pay — the rate is fixed on the day payment is received, irrespective of the receipt date.
  • Monthly groups: ₹500, ₹1,000, ₹1,500 … up to ₹10,000. Pay every month for 10 months; purchase gold jewellery of your choice in the 11th month.
  • Value addition up to 11% on the tag is discounted — applicable only to the gold accumulated under the plan. If the chosen product's VA exceeds 11%, only the difference is charged; if below 11%, no difference is paid.
  • Gold coins can be purchased under the plan. Diamonds and silver cannot.
  • Pay on or before the 30th of each month — one payment (one rate fix) per month.
  • Pay easily by UPI — send us a screenshot of the transfer right after payment. POS machine payments are not accepted.
  • A passbook is issued at joining; please verify every entry and report any discrepancy immediately.
Join via WhatsApp Call to enquire

1 · Choose your group

Pick a monthly amount from ₹500 to ₹10,000 — use the calculator above to see what it builds.

2 · Enrol in minutes

Visit the showroom or message us on WhatsApp. Carry a photo ID. Your passbook is issued on the spot.

3 · Pay by the 30th

Pay at the showroom or by UPI (share the screenshot). Each payment fixes that day's gold rate. Note: Tuesday is our weekly holiday — Tuesday payments take Wednesday's rate.

Plan terms: Members may pay and fix the gold price only once a month. On discontinuance mid-plan, cash paid or gold accumulated — whichever is lesser — is transferred to the member at the time of jewellery purchase. Ornament orders (custom-made) are not undertaken under the plan, and no other discounts apply to plan purchases. Value addition of 4–6% applies on stone, casting, exclusive antiques and ornaments below 2 grams. No payments are accepted beyond 300 days from enrolment; purchase is permitted 30 days after the 10th instalment; if jewellery is not purchased within 345 days of enrolment, the total advance is refunded without benefit by cheque or bank transfer (not cash). GST and making charges apply; any increase in taxes or new levies is borne by the customer. Changes in government rules and policy bind the plan. Management's decision is final in all plan matters. E&OE.