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
Monthly Saving = ₹5000
Total instalment savings = (11*5000=55000)+5000 = ₹60000
Example table
| Sl. No. | Date | Installment Count | Amount (₹) | Total Amount (₹) |
|---|---|---|---|---|
| 1 | 01-Aug-2024 | 1 | 5,000 | 5,000 |
| 2 | 31-Aug-2024 | 2 | 5,000 | 10,000 |
| 3 | 30-Sep-2024 | 3 | 5,000 | 15,000 |
| 4 | 30-Oct-2024 | 4 | 5,000 | 20,000 |
| 5 | 29-Nov-2024 | 5 | 5,000 | 25,000 |
| 6 | 29-Dec-2024 | 6 | 5,000 | 30,000 |
| 7 | 28-Jan-2025 | 7 | 5,000 | 35,000 |
| 8 | 27-Feb-2025 | 8 | 5,000 | 40,000 |
| 9 | 29-Mar-2025 | 9 | 5,000 | 45,000 |
| 10 | 28-Apr-2025 | 10 | 5,000 | 50,000 |
| 11 | 28-May-2025 | 11 | 5,000 | 55,000 |
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, Virudhunagar)
Online at www.thebhimajewellery.com – delivered to your doorstep
Monthly installments must be paid on time every 30 days. Failure may affect full 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 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 | ₹5,000 |
| Paid over 11 months | 55,000 |
| Bonus (1 month) | 5,000 |
| Total Value | 60,000 |
| 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, Virudhunagar), 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"