Future Gold Scheme
Save every month in gold weight and earn up to 18% VA off benefit at maturity.
What is the Future Gold Scheme?
The Future Gold Scheme is Bhima's unique plan where:
You save in multiples of ₹1,000 per month (minimum ₹1,000).
Each installment is converted into 22kt gold weight at that day's market rate.
At maturity, you receive your saved gold weight + up to 18% VA off benefit.
Savings Amount & Duration
Minimum: ₹1,000
In multiples of ₹1,000 (₹1,000 / ₹5,000 / ₹10,000, etc.)
Duration: 11 monthly installments
Example Calculation
22kt Gold Rate = ₹14500/g
Monthly Saving = ₹10000
Saved Gold Weight = ₹10000 ÷ ₹14500 = 0.689 gram
Example table
| Sl. No. | Date | Installment Count | Amount (₹) | Gold Rate (₹) | Saved Weight (g) |
|---|---|---|---|---|---|
| 1 | 01-Aug-2025 | 1 | 10,000 | 13,100 | 0.7633 |
| 2 | 01-Sep-2025 | 2 | 10,000 | 13,170 | 0.7593 |
| 3 | 01-Oct-2025 | 3 | 10,000 | 13,500 | 0.7407 |
| 4 | 01-Nov-2025 | 4 | 10,000 | 13,480 | 0.7418 |
| 5 | 02-Dec-2025 | 5 | 10,000 | 14,150 | 0.7067 |
| 6 | 01-Jan-2026 | 6 | 10,000 | 14,430 | 0.6930 |
| 7 | 01-Feb-2026 | 7 | 10,000 | 14,630 | 0.6835 |
| 8 | 01-Mar-2026 | 8 | 10,000 | 14,530 | 0.6882 |
| 9 | 01-Apr-2026 | 9 | 10,000 | 15,150 | 0.6600 |
| 10 | 01-May-2026 | 10 | 10,000 | 15,380 | 0.6501 |
| 11 | 01-Jun-2026 | 11 | 10,000 | 15,400 | 0.6493 |
Benefits of the Scheme
Save in small monthly savings (multiples of ₹1,000)
Earn up to 18% VA off as a benefit at maturity
Convert your savings into the desired gold jewellery
How to Start Saving
Tap Start Saving in the app
Enter personal & nominee details
Enter monthly savings amount (multiples of ₹1,000)
Choose a payment method and confirm
Scheme Redemption Process
At maturity, you can redeem your saved gold weight + VA bonus weight. You must pay applicable VA & GST on the final product.
Choose how to collect:
From any Bhima showroom: Madurai, Salem, Trichy, Tirunelveli, Rajapalayam, Dindigul, Noida , Marthandam, Virudhunagar
Online at www.thebhimajewellery.com – delivered to your doorstep
Monthly installments must be paid on time every 30 days. Failure may affect full VA benefits.
Minimum lock-in period: 240 days
If redeemed after the minimum lock-in period, only the benefits prescribed by Bhima will apply.
If the customer attempts to redeem before the minimum lock-in period, the saved amount can be adjusted against the jewellery purchase.
Download Our Mobile App
Start your savings journey today with the Bhima Jewellery app
Frequently Asked Questions
What is the Future Gold Scheme?
A savings plan where your monthly installment is converted into 22kt gold weight, with a minimum of ₹1,000 per month.
What makes it unique?
At maturity, you get up to 18% VA off benefit for your total saved gold weight.
What are the benefits?
Save monthly in multiples of ₹1,000. Earn up to 18% VA off for saved weight. Redeem as jewellery.
How do I redeem my savings?
At Bhima showrooms (Madurai, Salem, Trichy, Tirunelveli, Rajapalayam, Dindigul, Noida , Marthandam, Virudhunagar) as jewellery/coins, or online at thebhimajewellery.com.
Is my personal information safe?
Yes, all details are securely stored in the Bhima app.
Is the scheme compliant with government rules?
Yes, it follows all regulations.
Do I pay GST?
Yes, on the final gold product (saved weight).
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 365th day?
Yes, Redemption can be obtained on the 365th day as Gold jewellery.
"Grow your gold savings with Bhima Future Gold Scheme"