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Jewellery savings comparison
Gold Savings Scheme Calculator
Compare the amount you pay, the jeweller's stated bonus, estimated redeemable value and the gold quantity that value could buy at the maturity rate you enter.
Enter the scheme terms
For one instalment, enter 1. For percentage, enter e.g. 9.09.
Enter the scheme's actual terms; bonus rules vary.
Scheme result
Estimated redemption value after entered costs
₹0.00
Total instalments paid₹0.00
Jeweller bonus₹0.00
Estimated gold quantity0.00 g
Equivalent pavan (8 g)0.000
Bonus on amount paid0.00%
Bonus after fees / charges₹0.00
Read the scheme terms carefully, including redemption limits and charges.
Before joining a scheme
- Confirm whether the bonus is a cash amount, a free instalment or a discount on making charges.
- Check whether all instalments must be paid on time and what happens if you stop early.
- Confirm whether redemption is restricted to jewellery from one retailer.
- Compare making charges, wastage, GST and any other fees with buying gold separately.
This calculator compares the entered scheme terms only. It does not predict future gold prices or recommend a particular scheme.
Frequently asked questions
Does a bonus mean the same percentage return?
Not necessarily. Redemption restrictions, timing of instalments, gold-price changes and charges affect the benefit. This page reports the simple bonus relative to instalments paid.
Does the calculator predict the gold rate at maturity?
No. Enter a maturity rate assumption. Future gold prices are uncertain.