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Golden Harvest Scheme
At Avita Jewellery, we believe in making your dreams of owning exquisite gold jewellery a reality. Our exclusive Gold Scheme is designed to offer you a seamless and rewarding way to invest in gold. Whether you’re looking to purchase a timeless piece for yourself or a loved one, our scheme provides the perfect blend of flexibility, affordability, and luxury.
Term Duration
The Golden Harvest Scheme allows you to accumulate gold over a specified period. Here are the details:
- Duration : The scheme typically runs for 12 months.
- Monthly Contributions : You make regular monthly payments towards your gold savings.
- Flexibility : You can choose a longer or shorter duration based on your preferences.
Benefits
- Systematic Accumulation: Gold saving schemes allow you to accumulate gold over time through regular, manageable installments. Instead of a lump-sum payment, you contribute gradually, making it easier to afford that special piece of jewelry or build a gold nest egg.
- Discounts on Making Charges: Most jewelers offer substantial discounts on making charges for gold purchased under these schemes. This means you pay less for the craftsmanship involved in creating your jewelry.
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Flexibility : Many gold saving schemes provide additional services:
- Lifelong Maintenance: Enjoy free maintenance for your jewelry even after the scheme matures.
- Buy-Back Guarantee: Some schemes offer the option to sell back your accumulated gold at prevailing rates.
- Insurance Coverage: You may receive free insurance coverage for a specific period, safeguarding your investment.
- Fixed Gold Rate: When you enroll in a scheme, you lock in the gold rate at the time of joining. This protects you from market fluctuations during the accumulation period.
Golden Harvest Scheme Purchase Plan
| Month | Contribution (₹) | Estimated Interest | Total |
|---|---|---|---|
| 1 | ₹1,000 | ₹100 | ₹1,100 |
| 2 | ₹1,000 | ₹100 | ₹2,200 |
| 3 | ₹1,000 | ₹100 | ₹3,300 |
| 4 | ₹1,000 | ₹100 | ₹4,400 |
| 5 | ₹1,000 | ₹100 | ₹5,500 |
| 6 | ₹1,000 | ₹100 | ₹6,600 |
| 7 | ₹1,000 | ₹100 | ₹7,700 |
| 8 | ₹1,000 | ₹100 | ₹8,800 |
| 9 | ₹1,000 | ₹100 | ₹9,900 |
| 10 | ₹1,000 | ₹100 | ₹11,000 |
| 11 | ₹1,000 | ₹100 | ₹12,100 |
| 12 | ₹1,000 | ₹100 | ₹13,200 |
Scheme Conditions
- Lock-In Periods:Most gold saving schemes have a predetermined lock-in period. During this time, you cannot redeem your gold. Be aware of this duration before enrolling.
- Cancellation Charges: If you decide to exit the scheme prematurely, there might be penalties or charges. Read the terms carefully to understand the implications.
- Redemption Rules :After the scheme matures, you can redeem your accumulated gold. However, each scheme may have specific rules regarding redemption:
- Cash Refunds:Not all schemes allow cash refunds. Some may only offer gold or jewelry as redemption options. Ensure you’re comfortable with the redemption choices available.