Future Plus Scheme
A smart way to grow your gold savings – save for 11 months and Bhima rewards you with 1 month bonus savings.
What is the Future Plus Scheme?
The Future Plus Scheme is Bhima's special savings plan where you save in multiples of ₹1,000 per month for 11 months. At maturity (365 days), you get the value of 1 extra installment as a bonus, redeemable as gold jewellery at the market rate.
Savings Amount & Duration
Save in multiples of ₹1,000 (e.g., ₹1,000 / ₹5,000 / ₹10,000, etc.)
Duration: 11 monthly installments
On completion: 12th-month bonus installment is added
Redeem as gold jewellery at the prevailing gold rate
Example Calculation
| Particulars | Value |
|---|---|
| Monthly Installment | 1,000 |
| Paid over 11 months | 11,000 |
| Bonus (1 month) | 1,000 |
| Total Value | 12,000 |
| If 22kt gold rate is ₹9,100/g | You receive 1.32 g of gold |
How to Start Saving
Tap Start Saving in the app.
Enter your personal details & nominee details.
Enter the monthly savings amount (multiples of ₹1,000).
Select your payment method and confirm.
Scheme Redemption Process
At maturity (365 days), you can redeem your saved amount + bonus installment value. VA (Value Addition) & GST charges are applicable.
Redeem at your convenience:
Bhima showrooms (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 bonus, only jewellery for actual savings.
Download Our Mobile App
Start your savings journey today with the Bhima Jewellery app
Frequently Asked Questions
What is the Bhima Future Plus Scheme?
A gold savings plan where you save in multiples of ₹1,000 for 11 months and receive a bonus 1-month installment at the end.
What makes this scheme special?
You pay for 11 months, but you redeem as if you had paid for 12 months.
What are the benefits?
| Particulars | Value |
|---|---|
| Monthly Installment | 1,000 |
| Paid over 11 months | 11,000 |
| Bonus (1 month) | 1,000 |
| Total Value | 12,000 |
| If 22kt gold rate is ₹9,100/g | You receive 1.32 g of gold |
How do I redeem my jewellery?
From Bhima showrooms (Madurai, Salem, Trichy, Tirunelveli, Rajapalayam, Dindigul, Noida , Marthandam), or online at thebhimajewellery.com.
Are my personal details safe?
Yes, all your personal information is securely stored and protected.
Is the scheme government-compliant?
Yes, it follows all government regulations.
Do I pay VA & GST?
Yes, on both the saved amount & bonus value at redemption.
Can I take cash instead of jewellery?
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.
"Save smart, shine brighter with Bhima Future Plus Scheme"