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
Benefits at Maturity
At maturity, you receive:
Total saved gold weight
Up to 18% VA off benefit for that weight
| Particulars | Value |
|---|---|
| 22kt Gold Rate | ₹6,430/g |
| Monthly Saving | ₹5,000 |
| Saved Gold Weight | 0.777 g |
| At maturity (after 11 months) | 8.5631 g |
| VA Benefit | Up to 18% off |
Benefits of the Scheme
Save in small monthly amounts (multiples of ₹1,000)
Earn up to 18% VA off benefit at maturity
Redeem savings as 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
Online at thebhimajewellery.com – delivered to your doorstep
Minimum lock-in period: 180 days. The scheme cannot be closed before 180 days. Closing before 365 days = no full VA benefit (only actual saved gold weight at prevailing rate).
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) 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"