Narayan Jewellers Lucknow
Narayan Jewellers Lucknow

Gold Savings Schemes in Lucknow

Narayan Jewellers offers two gold savings plans. You save in instalments, your money is converted into gold grams at the live gold rate, and you redeem the accumulated gold against jewellery at an authorised Narayan Jewellers showroom. Read the plan rules carefully before you enrol.

Flexible plan

Unnati Flexi Plan

"Today and Forever - Smart, Flexible, Secure."

How you save
Any amount, any time
Duration
See plan rules
Minimum deposit
See plan rules
Making charge benefit
Up to 25% on gold, up to 75% on diamond (as per rules)
Gold booked as
22K, at the live rate of each payment
View rules & enrol

Fixed monthly plan

Golden Seeds Scheme

"Sow today, shine tomorrow with disciplined savings."

How you save
Fixed amount every month
Duration
10 months
Minimum deposit
₹1,000
Making charge benefit
Up to 25% on gold, up to 75% on diamond (as per rules)
Gold booked as
22K, at the live rate of each payment
View rules & enrol

How a gold savings scheme works

  1. Enrol online with your mobile number and choose a plan.
  2. Pay by UPI, card or net banking. Each payment is converted to 22K gold grams at that moment's live rate - see today's gold rate in Lucknow.
  3. Accumulate gold grams in your account. Rules include a minimum lock-in period and a cooling period after your last deposit.
  4. Redeem the gold against jewellery. Making charge benefits apply if you meet the plan conditions. GST and other taxes apply at redemption.

Because the gold rate moves every day, a scheme averages your buying price across your payments instead of fixing it on one day. Plans cannot be combined with other offers and are not transferable - the full list of rules is on each plan's page.

Gold scheme FAQ

How does a gold savings scheme work?

You deposit money into your plan. Each successful payment is converted into 22K gold grams at the live gold rate of that moment and accumulated digitally in your account. After the lock-in and cooling period you can redeem the accumulated gold against jewellery.

Do I get physical gold when I deposit?

No. The gold is accumulated digitally in your account and redeemed against jewellery.

Can I get a cash refund from the scheme?

No. As per the plan rules, cash refunds or withdrawals are not permitted.

Where can the scheme be redeemed?

Plans can be redeemed at authorised Narayan Jewellers showrooms.

What payment modes are accepted?

UPI, digital payments, bank transfers, cheques (subject to clearance) and cash within legal limits.

Can the plan be transferred to someone else?

No. A plan is valid only for the person who started it.

Plan rules prevail over this summary. Questions? Visit our Lucknow store, read the FAQ or see the making charges guide.

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