Future Fixed Gold Scheme
A one-time savings plan where you invest once, and Bhima rewards you with up to 13% VA off benefit.
What is the Future Fixed Gold Scheme?
The Future Fixed Gold Scheme is Bhima's one-time gold savings plan.
Make a single payment of ₹50,000 or more.
Your money is converted into 22kt gold weight at the market rate on the day of payment.
At maturity (330 days), redeem your saved gold weight in the form of jewellery.
Savings Amount & Duration
Minimum payment: ₹50,000 (or more)
Payment type: One-time only
Gold equivalent is locked at market rate on payment day
Duration: 330 days
Scheme Benefits
Your savings are instantly converted into gold weight, and you earn a VA benefit based on the duration:
| Duration | VA Benefit |
|---|---|
| 5 months | 6% |
| 6 months | 7% |
| 7 months | 8% |
| 8 months | 9% |
| 9 months | 10% |
| 10 months | 11% |
| 11 months | 13% |
At the end of 330 days, you receive the full 13% VA off benefit.
How to Start Saving
Visit Bhima Jewellery branches to join the scheme.
Scheme Redemption Process
At maturity (330 days), you can redeem your saved gold + bonus gold weight. You must pay applicable GST and additional charges.
Choose how to collect:
From Bhima showrooms: Madurai, Salem, Trichy, Tirunelveli, Rajapalayam, Dindigul, Noida , Marthandam
Online shopping at thebhimajewellery.com – delivered to your doorstep
Minimum lock-in period: 30 days (no closure before 30 days). Early closure (before 330 days) gives only the saved gold weight (no bonus).
Download Our Mobile App
Start your savings journey today with the Bhima Jewellery app
Frequently Asked Questions
What is the Future Fixed Gold Scheme?
A one-time gold saving plan where you invest ₹50,000 or more, which is instantly converted into 22kt gold weight.
What makes it special?
You get up to 13% VA off from the Barcord selected product.
What are the benefits?
| Duration | VA Benefit |
|---|---|
| 5 months | 6% |
| 6 months | 7% |
| 7 months | 8% |
| 8 months | 9% |
| 9 months | 10% |
| 10 months | 11% |
| 11 months | 13% |
How do I redeem my gold?
At Bhima showrooms (Madurai, Salem, Trichy, Tirunelveli, Rajapalayam, Dindigul, Noida , Marthandam) as jewellery/coins, or online at thebhimajewellery.com.
Are my personal details safe?
Yes, all your personal information is securely stored within the app.
Is the scheme government-compliant?
Yes, it follows all applicable regulations.
Do I need to pay VA & GST?
Yes, VA & GST apply to both the saved weight and the bonus portion.
What purity of gold is saved?
Only 22kt gold is saved.
Can I redeem in cash?
No, redemption is only in jewellery.
Can I redeem on the 330th day?
Yes, Redemption can be obtained on the 330th day as Gold jewellery.
"Invest once, reap rewards with Bhima Future Fixed Gold Scheme"