Fixed monthly instalment
e.g. 11 + 1- Customer pays the same amount every month
- Shop pays N instalments as a bonus (e.g. the 12th)
- Benefit can require all instalments paid on time
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- Saving schemes
Gold saving schemes for your customers
Monthly instalment plans in ₹ or in gold grams, with bonus instalment, % bonus or extra grams — redeemed straight on the jewellery bill.
Flexible amount
Pay any amount- Customer pays any amount, with an optional minimum and maximum
- Every payment gets a receipt
Gold saving in grams
Metal plan- Each payment is booked in grams at that day's rate for the plan's purity
- At maturity: grams × today's rate, or the maturity-date rate
Bonus options
Your choice- Store pays N instalments
- % bonus on the amount paid
- Fixed bonus or extra grams
- Or interest on each payment (simple or compound)
Grace, late & advance
Plan rules- Grace days for each instalment
- Allow or block late and advance payments
- Duration in days or months
Maturity & redemption
On the bill- Pay out in cash or use the value on a jewellery bill
- Early closing: no benefit, optional closing charge
- Undo or cancel an enrolment if needed
Frequently asked questions
Can customers save in grams instead of rupees?
Yes. With a metal plan every payment is booked in grams at that day's rate for the plan's purity.
What if a customer misses or pays early?
Each plan has grace days and you choose whether late and advance payments are allowed. The benefit can require that all instalments were paid.
How is a scheme closed?
At maturity the value is paid in cash or used on a jewellery bill. Closing early gives no benefit and can have a closing charge.
More free tools
GST calculator
Add or remove GST on any amount — gold & silver jewellery 3%, making charges 5% and other rates.
Jewellery price calculator
Final price from gold rate, purity, weight, wastage, making charges, stones, hallmark and 3% GST.
Old gold exchange calculator
Value of old gold from weight, touch (purity), rate and deduction — and the balance on a new bill.
Gold saving scheme calculator
Maturity value of a monthly gold scheme — bonus instalment, % bonus or saving in grams.
Free trial
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