Kalyan Jewellers, one of India’s most trusted and iconic jewelry brands, has been synonymous with quality, craftsmanship, and reliability for decades. Established in 1993 in Thrissur, Kerala, the brand has grown exponentially, boasting a vast network of showrooms across India and the Middle East. Known for its exquisite gold, diamond, and platinum jewelry collections, Kalyan Jewellers caters to a diverse clientele, offering designs that blend tradition with modernity. Kalyan Jewellers offers exquisite jewelry and customer-friendly services like gold-saving plans and flexible payments to make gold investing accessible to all, ensuring a rewarding buying experience. In this blog, we’ll explore the various gold schemes offered by Kalyan Jewellers, their benefits, and how you can enroll in kalyan jewellers chit.
Kalyan Jewellers Gold Schemes Overview
Here’s a quick table of the Kalyan jewellers gold schemes:-
| Gold Scheme | Duration (Months) | Minimum Monthly Payment (₹) |
| Dhan Samriddhi Scheme | 6 or 11 | ₹5,000 |
| Purchase Advance Scheme | Flexible (up to 12) | ₹500 |
1. Kalyan Dhan Samriddhi Scheme
The Dhan Samriddhi Scheme by Kalyan Jewellers is a gold savings plan designed to make purchasing gold and studded jewelry more affordable and accessible. Customers can save systematically by contributing fixed kalyan jewellers monthly scheme installments for a duration of either 6 months or 11 months, depending on their preference.
At the end of the plan, participants can redeem their savings to purchase BIS Hallmarked Gold Jewelry or Diamond/Studded Jewelry at attractive discounts. Key Highlights:
| Feature | Details |
| Duration Options | Flexible plans of 6 months or 11 months |
| Discounts | Up to 9% off on diamond jewelry, 7% off on studded jewelry |
| Purchase Value | Redeemable for ₹60,000 to over ₹1,11,000 |
| Additional Savings | Exclusive benefits for priority customers |
| Membership Fee | Starts from ₹500 |
Benefits of the Dhan Samriddhi Scheme
1. Gold Discounts: Customers can enjoy a discount on gold purchases depending on the total installments paid. Discounts range from ₹2,375 to ₹8,010, depending on the plan and membership fee.
2. Studded Jewelry Benefits: Up to 9% off on diamond jewelry. Up to 7% off on stone and studded jewelry.
3. Flexible Purchase Value: Plans allow redemption of purchase values ranging from ₹60,000 to ₹1,11,000 based on the kalyan jewellers installment and membership fee.
4. Membership Fee Advantage: Membership fees are non-refundable but provide access to significant discounts and exclusive benefits.
5. Additional Savings: Discounts apply to gold value as well as on studded jewelry, allowing customers to save on their total purchase.
6. Combination with Seasonal Offers: Discounts and benefits can be clubbed with any seasonal offers running in stores.
Dhan Samriddhi Scheme Calculated Returns
| Monthly Scheme Amount | No. of Instalments | Total Instalments Paid | Membership Fee | Purchase Value During Redemption | Gold Discount Eligible |
| 5,000 | 11 | 55,000 | 3,000 | > 1,11,000 | 8,010 |
| 5,000 | 11 | 55,000 | 3,000 | < 1,11,000 | 6,750 |
| 5,000 | 6 | 30,000 | 500 | > 60,000 | 3,000 |
| 5,000 | 6 | 30,000 | 500 | < 60,000 | 2,375 |
Notes:
- GST is applicable on all purchases.
- Membership fees cannot be refunded.
- Offers are subject to change; customers should check updated terms and conditions.
- Discounts are valid only for priority customers as indicated in the details.
2. Purchase Advance Scheme
The Purchase Advance Scheme by Kalyan Jewellers is a customer-friendly plan that allows individuals to save for their future jewelry purchases while benefiting from gold rate protection. This scheme is flexible, enabling customers to pay advance amounts at their convenience and lock in the gold rate on the day of payment. It’s particularly beneficial for occasions like weddings, anniversaries, or festivals where substantial jewelry purchases are anticipated.
Key Highlights
| Feature | Details |
| Flexible Payments | No fixed monthly installments; pay advance amounts as per your preference. |
| Gold Rate Lock-In | Gold rate is locked in on the date of payment, safeguarding against price hikes. |
| No Minimum Contribution | Start saving with any amount of your choice. |
| Customizable Duration | No fixed timeline; save until you’re ready to purchase. |
| Wide Redemption Options | Redeem payments for gold, diamond, or other ornaments. |
Benefits:
1. Protection Against Price Hikes: By locking in the gold rate, customers can avoid paying higher prices due to market fluctuations.
2. Budget-Friendly: Customers can plan their jewelry purchases gradually without financial strain.
3. Flexibility: Freedom to choose the payment amount and frequency based on convenience.
4. Convenience: Kalyan jewellers online payment can be made at showroom or online.
5. Enhanced Value: Accumulated savings can be redeemed to purchase premium-quality jewelry at locked-in rates.
Benefits of Choosing Kalyan Jewellers Gold Scheme
Investing in gold can often seem daunting due to high costs or market fluctuations. Kalyan Jewellers bridges this gap with its innovative gold-saving schemes. Here are some reasons why these schemes are worth considering:
1. Systematic Savings: These plans allow you to save gradually over time, making it easier to buy gold without financial strain.
2. Discounts on Making Charges: Most schemes offer substantial discounts on making charges, reducing the overall cost of jewelry.
3. Flexibility in Payment: Whether you prefer a short-term or long-term plan, Kalyan offers options to suit your financial goals.
4. Gold Rate Protection: Some schemes allow you to lock in gold rates, safeguarding your purchase against market fluctuations.
5. Trusted Brand: With decades of experience, Kalyan Jewellers ensures authenticity and quality in every piece of jewelry.
Steps To Enroll In Kalyan Gold Scheme
Enrolling in these kalyan gold scheme is simple and convenient. Follow these steps:
1. Choose Your Scheme: Decide which scheme best fits your needs and financial goals.
2. Visit a Showroom or Online Portal: Enroll at your nearest Kalyan Jewellers showroom or through their website or app.
3. Provide Required Documents: Submit basic personal details and payment information.
4. Start Saving: Begin making regular contributions to your chosen plan.
Conclusion
Kalyan Jewellers offers a range of gold schemes tailored to meet the diverse needs of its customers. Whether you’re saving for a special occasion or looking to invest in gold, these kalyan jewellers emi plan make it easy, affordable, and rewarding. From the long-term benefits of the Dhan Samriddhi Scheme to the flexibility of the Purchase Advance Scheme, there’s something for everyone.
Ready to start your gold-saving journey? Visit your nearest Kalyan Jewellers showroom or their official website to explore these schemes and choose the one that’s perfect for you!
Check the latest gold loan trends in India, various types of gold, reasons to invest in gold, and insights on whether the gold rate will decrease, along with the best banks for gold loans.
Explore the top gold investment schemes in India for smart savings and secure your financial future
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Frequently Asked Questions
Q. What is the duration of the Kalyan Jewellers Gold Schemes?
A. The duration typically ranges from 11 to 24 months, depending on the scheme.
Q. Are there any penalties for early withdrawal from the scheme?
A. Early withdrawal may result in the loss of benefits like bonuses or discounts offered at maturity.
Q. How is the gold value calculated in the scheme?
A. The value is calculated based on the prevailing gold rate on the day of redemption or as per scheme terms.
Q. Can I transfer my gold scheme to another person?
A. Transfers are usually not allowed, but this may vary by the scheme’s terms and conditions.
Q. How can I enroll in a Kalyan Jewellers Gold Scheme?
A. Visit any Kalyan Jewellers outlet, fill out the application form, and start with your first installment.
Q. Is Kalyan Jewellers gold pure?
A. Yes, Kalyan Jewellers provides BIS-hallmarked gold, ensuring purity and authenticity.
Q. Does Kalyan Jewellers have a gold scheme?
A. Yes, Kalyan Jewellers offers savings schemes like the “Gold Ownership Certificate” to help customers systematically buy gold.
Q. Which jewellery gold scheme is best?
A. The best scheme depends on factors like duration, benefits, and flexibility. Compare schemes from trusted brands like Kalyan, Tanishq, and Joyalukkas.
Q. What is the new gold scheme?
A. The latest gold schemes, like the Kalyan Gold Ownership Certificate, focus on systematic savings with flexibility in redemption and gold rate protection.
