Lalitha Jewellery (aka Lalitha Thanga Maaligai ), one of the leading manufacturers in Gold, diamond and platinum jewellery, Lalitha takes pride in blending traditional craftsmanship with contemporary designs, providing jewellery that suits both modern tastes and classic preferences. This blog covers the complete guide to investing in Lalitha Jewellery Gold Scheme monthly on an 11-month tenure with differing perks.
Highlights of Lalitha Jewellery Gold Schemes
Lalithaa Jewellery’s gold schemes offer an excellent opportunity to invest in gold through easy monthly savings. Customers can save a fixed amount each month for 11 months, allowing them to purchase gold jewelry at the prevailing rates upon scheme maturity.
1. One of the standout features is the benefit of up to 0% wastage and making charges on select ornaments, ensuring maximum value for your savings.
2. The scheme guarantees full redemption of the saved amount for gold, protecting your investment and allowing value appreciation.
3. Participants also enjoy exclusive discounts on wastage and making charges, making the final purchase even more rewarding.
4. Lalitha ensures complete transparency and security throughout the scheme, with no hidden costs, giving customers full value and peace of mind.
Types of Lalitha Jewellery Gold Schemes
Lalitha Jewellery offers various gold saving schemes, allowing customers to invest in gold through monthly installments. These plans provide flexibility in saving and purchasing jewelry at the end of the term, with added benefits like discounts and bonuses.
1. Free & Flexi Scheme
This Gold Scheme is an 11 Month Jewellery Purchase Scheme with a flexible monthly investment option starting from Rs.1000 / Rs.1500 / Rs.2000 / Rs.2500 / Rs.5000 / Rs.10000 / Rs.15000 / Rs.20000 / Rs.25000.
| Month | Monthly Advance Amount (Rs.) | Gold Rate (Per Gram) | Option 1: Weight (Gram of Gold) | Option 2: Value (Amount of Rupees) |
| 1 | 2500 | 5100 | 0.49 | 2500 |
| 2 | 2500 | 5200 | 0.48 | 2500 |
| 3 | 2500 | 5050 | 0.5 | 2500 |
| 4 | 2500 | 5350 | 0.47 | 2500 |
| 5 | 2500 | 5500 | 0.45 | 2500 |
| 6 | 2500 | 5450 | 0.46 | 2500 |
| 7 | 2500 | 5700 | 0.44 | 2500 |
| 8 | 2500 | 5800 | 0.43 | 2500 |
| 9 | 2500 | 5800 | 0.44 | 2500 |
| 10 | 2500 | 5800 | 0.43 | 2500 |
| 11 | 2500 | 5900 | 0.42 | 2500 |
2. Dhana Vandanam
Introducing an easy instalment plan starting at Rs.1000, offering 50% less on V.A. charges across our entire gold jewellery range. Enjoy a 50% bonus on one month’s instalment upon completing 11 instalments. Plus, benefits from protection against gold rate fluctuations with the flexibility to choose between weight-based or rupee-based calculations when purchasing jewellery. Whether gold prices rise or fall, we protect your investment and ensure the best value for you throughout the scheme.
| Month | Monthly Advance Amount (Rs.) | Gold Rate (Per Gram) | Option 1: Weight (Grams of Gold) | Option 2:Value (Amount of Rupees) |
| 1 | 2500 | 5100 | 0.49 | 2500 |
| 2 | 2500 | 5200 | 0.48 | 2500 |
| 3 | 2500 | 5050 | 0.5 | 2500 |
| 4 | 2500 | 5350 | 0.47 | 2500 |
| 5 | 2500 | 5500 | 0.45 | 2500 |
| 6 | 2500 | 5450 | 0.46 | 2500 |
| 7 | 2500 | 5700 | 0.44 | 2500 |
| 8 | 2500 | 5800 | 0.43 | 2500 |
| 9 | 2500 | 5700 | 0.44 | 2500 |
| 10 | 2500 | 5800 | 0.43 | 2500 |
| 11 | 2500 | 5900 | 0.42 | 2500 |
| Bonus | 1250 | 5900 | 0.21 | 1250 |
3. Jewellery Pre-booking Scheme
Lalitha’s revolutionary Jewellery Purchase Scheme offers a rare opportunity—100% No Wastage (V.A.) Charges on any jewellery!
Save over 20% by pre-booking: pay upfront or exchange old jewellery. Act now to start saving on jewellery investment!
| Duration | Eligible Purchase Benefits | Additional Information |
| After 5 Months (150 Days) | All types of Gold jewellery with VA charges up to 5% can be purchased under the scheme with no VA charges. | (Note VA charges above 5% will be borne by the customer.) |
| After 6 Months (180 Days) | All types of Gold jewellery with VA charges up to 6% can be purchased under the scheme with no VA charges. | (Note VA charges above 6% will be borne by the customer.) |
| After 7 Months (210 Days) | All types of Gold jewellery with VA charges up to 7% can be purchased under the scheme with no VA charges. | (And, VA charges above 7% will be borne by the customer.) |
| After 8 Months (240 Days) | All types of Gold jewellery with VA charges up to 8% can be purchased under the scheme with no VA charges. | (Also, VA charges above 8% will be borne by the customer.) |
After 9 Months (270 Days) |
You can purchase all types of gold jewelry under the scheme with no VA charges, even though VA charges can go up to 9%. | (Note VA charges above 9% will be borne by the customer.) |
| After 10 Months (300 Days) | All types of Gold jewellery with VA charges up to 10% can be purchased under the scheme with no VA charges. | (VA charges above 10% will be borne by the customer.) |
| After 11 Months (330 Days) | Any category of Gold jewellery can be purchased under the scheme with no VA charges. | This benefit applies to all categories of Gold jewellery. |
| After 11 Months (Diamond) | All types of Diamond jewellery can be purchased with 50% less on VA charges and ₹100 less per carat. | Significant savings on Diamond jewellery purchases! |
Features of Lalitha Jewellery Gold Scheme
The Lalitha Jewellery Gold Scheme allows customers to save for gold purchases through monthly installments. It offers flexibility in payment plans and helps accumulate gold at the current rates, making it easier to buy jewelry over time.
1. Manufacturing Price
We take pride in offering Gold Jewellery at manufacturing prices, ensuring the lowest wastage in the process. By cutting out middlemen and other overheads, we pass on the cost benefits directly to you, guaranteeing unmatched value for money. Our pricing design maximizes savings while maintaining high-quality craftsmanship, whether it’s for a small trinket or a grand piece.
2. Lowest Price Guarantee
We maintain the highest standards of quality across our Gold, Diamond, and Silver Jewellery collections. Despite this commitment to excellence, we offer the lowest prices in the industry. You can trust us to provide the best value without hidden costs or inflated prices.
3. Maximum Savings
In comparison to other showrooms, our customers receive the maximum grams of gold for their money. We maximize every rupee you spend by offering superior value through higher gold weight for your investment. This translates into not just better returns on your investment, but a sense of satisfaction in making a smart purchase.
4. Value Over Gifts
Instead of offering gimmicky gifts with your purchase, we prioritize offering real value. The quality, design, and purity of our jewellery exceed the value of any promotional gift. When you buy from us, you invest in an asset that holds its worth over time, making your purchase far more valuable than any external incentive.
5. Exclusive Diamond Range
Our diamond section is dedicated to showcasing a stunning range of exclusive designs. From everyday wear to bridal collections, our diamonds reflect impeccable craftsmanship and unique artistry. The designers meticulously create each piece to capture elegance and beauty, ensuring that you always find something that resonates with your style.
6. Flawless Diamonds with Certification
We only offer Dosham-free diamonds, ensuring that each gem is free from imperfections or negative influences.
- Rigorously tested diamonds are provided with an internationally recognized authenticity certificate.
- Not only are the lowest prices for certified diamonds in India offered, but it is also ensured that your purchase is backed by global standards of quality.
7. Maximum Buyback Value
When you buy diamonds from us, we provide unmatched buyback offers. We guarantee 85% buyback against cash and 100% buyback when you opt for an exchange. This assures that your investment in diamonds remains flexible and valuable, offering peace of mind for any future needs.
8. Custom Orders
We have a specialized section that caters to custom-design orders. Simply bring us your design or concept, and our expert craftsmen will bring your vision to life within a short turnaround time. From personalized jewellery to exclusive pieces, we ensure that every custom order is handled with precision and care.
9. Zero Payment Charges
We don’t believe in penalizing our customers for their payment method. For credit and debit card transactions, we don’t charge any extra fees, ensuring that the net effect is identical to a cash payment. However, for gold coins, a nominal 2% extra charge applies. This transparent pricing policy ensures fairness and flexibility for all our customers.
10. Old Gold Exchange
We offer 100% exchange value for any old gold jewellery purchased from us, provided you produce the original purchase receipt. Your old jewellery will be valued at the day’s gold rate, allowing you to exchange it for new jewellery without any deductions or hidden charges. This makes upgrading your collection effortless and rewarding.
11. Easy 7-Day Exchange
If you’re unsatisfied with a purchase, we offer an easy exchange policy within 7 days of the purchase date. The only condition is that the jewellery must not have been used, ensuring that every customer walks away happy with their selection. We stand by the quality of our jewellery, but we also value your satisfaction above all.
12. Auspicious Crafting Times with Extensive Collection
We respect the cultural significance of Mangalyams (mangalsutras) and ensure that the creation process begins only during auspicious times. This attention to tradition and detail guarantees not just a beautiful piece of jewellery, but also one that aligns with your spiritual and cultural values.
All our gemstones, including rubies, emeralds, and sapphires, are Dosham-free. We take pride in offering one of the largest collections of silver articles in the region, with an entire floor dedicated to exclusive items. From traditional silverware to contemporary designs, our range includes gifts, decor, and puja essentials—catering to a variety of tastes and occasions.
13. Flexible Purchase Plans
Our purchase plans are designed to your financial convenience. These plans allow you to make flexible payments over time, ensuring that you can buy your desired jewellery without financial strain. This flexible option makes it easy to acquire gold, diamond, or silver jewellery, turning your aspirations into reality.
Benefits of Lalitha Thanga Maaligai Gold Schemes
1. Assured Quality: Each piece of jewellery is made with the highest standards of craftsmanship and comes with a guarantee of authenticity.
2. Flexible Savings: The savings schemes offer flexibility, ensuring that you can plan your purchases without financial stress.
3. Exclusive Designs: From birthstone jewellery to platinum and diamond sets, Lalitha offers an exclusive collection that suits every occasion and taste.
4. Transparency: With a focus on transparency in pricing and transactions, Lalitha ensures you always get maximum value for your money.
Also Read: Malabar Gold Schemes
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Frequently Asked Questions
Q. What is Lalitha Jewellery’s 11-month scheme?
A. Lalitha Jewellery offers an 11-month gold saving plan allowing monthly payments. Benefits include no extra fees, making charge discounts, and protection from price changes.
Q. Which Jewellers’ gold scheme is best?
A. Various jeweler’s schemes, such as Malabar Gold, Lalitha Jewellery, Tanishq, and Kalyan Jewellers, offer flexibility and benefits customized to customer preferences.
Q. What is the 11-month gold scheme?
A. Several jewelers offer the 11-month gold saving scheme, where customers make monthly payments. The accumulated amount can be used to buy gold jewelry, with possible discounts on making charges.
Q. How to start the Lalitha Jewellery gold scheme?
A. To join the Lalitha Jewellery gold scheme, visit a showroom or sign up online, providing personal details and initial payment.
Q. What is the 6-month gold scheme?
A. 6-month gold scheme lets customers save for jewelry over 6 months with fewer benefits than longer-term plans.
Q. Is a monthly gold scheme good or bad?
A. Gold schemes: Encourages savings through manageable investments with price protection but has limited cash access and no interest accrual.Suitable for those planning gold jewellery purchases aligned with their financial goals.
Q. Is Lalitha Jewellery gold pure or not?
A. Lalitha Jewellery is known for selling hallmarked gold, ensuring purity and authenticity. The Bureau of Indian Standards (BIS) hallmark certifies the purity of gold in their jewellery, so customers can trust the gold’s quality.
Q. Does Lalitha Jewellery buy old gold?
A. Lalitha Jewellery buys old gold at competitive rates based on purity, weight, and current prices, allowing customers to exchange for new jewellery.
Q. What are the disadvantages of gold schemes?
A. Disadvantages of investing in gold include lack of liquidity, penalties for early withdrawal, price fluctuations, lack of interest generation, and limited redemption options.
