Gold saving scheme calculator

Maturity value of a monthly gold scheme — bonus instalment, % bonus or saving in grams.

Monthly instalment (₹)

Number of instalments

Shop benefit

Benefit value

Example: 11 instalments + the 12th paid by the shop. At maturity the value is used on a jewellery bill (or as the shop's plan says).

Customer pays—

Shop benefit—

Maturity value—

Extra for the customer—

Frequently asked questions

How does an 11+1 gold scheme work?

The customer pays 11 monthly instalments and the shop pays the 12th as a bonus. At maturity the full value is used to buy jewellery.

What is a gold saving scheme in grams?

Each instalment buys gold grams at that day's rate. At maturity the customer gets the grams (or their value at the current rate).

Add or remove GST on any amount — gold & silver jewellery 3%, making charges 5% and other rates.

Final price from gold rate, purity, weight, wastage, making charges, stones, hallmark and 3% GST.

Value of old gold from weight, touch (purity), rate and deduction — and the balance on a new bill.

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