Svarna Schemes
Gold, saved with intention. Our Svarna plans let you accumulate value month by month, protect against rate hikes, and redeem in BIS & HUID-hallmarked jewellery.
Svarna Lakshya
An exclusive price-protection & rate-averaging plan.
- ◆12 monthly advances from ₹1,000
- ◆Rate averaging shields you from price hikes
- ◆Redeem accumulated gold weight in hallmarked jewellery
Svarna Nidhi
Put your idle gold to work.
- ◆Exchange old gold & deposit for 11 months
- ◆Redeem equivalent weight in new pieces
- ◆Up to 100% waiver on making charges
Svarna Rathna
Save across gold, diamond & silver.
- ◆11 monthly advances, flexible savings
- ◆Redeem in Gold, Diamond or Silver
- ◆Up to 50% off making or 40% off diamond value
How It Works
Choose a plan in-store or over WhatsApp and set your monthly advance.
Pay each month; your rate averages across the term.
On completion, your accumulated value is ready to redeem.
Choose hallmarked jewellery — often with a making-charge waiver.
Scheme FAQ
Yes — every redeemed piece is 22KT BIS & HUID hallmarked, certified for purity.
Monthly advances can be arranged over UPI or bank transfer; our team confirms each receipt.
Plans are flexible — speak with our team and we'll adjust the term or advance.
At our Udupi showroom, or start on WhatsApp and we'll guide you.