Welcome to Pothys Swarna Mahal !
| TAMIL NADU | KERALA | |
|---|---|---|
| GOLD - 18KT - 1G | ₹ 7,406.00 | ₹ 7,455.00 |
| GOLD - 22KT - 1G | ₹ 9,045.00 | ₹ 9,045.00 |
| PLATINUM - 1G | ₹ 3,406.00 | ₹ 3,406.00 |
| SILVER - 1G | ₹ 110.00 | ₹ 109.00 |
Live 
P R O T E C T I O N F R O M G O L D P R I C E F L U C T U A T I O N
SAVE NOW AND BUY GOLD, DIAMOND, PLATINUM
OR SILVER OF YOUR CHOICE
The New Swarna Subhiksham Flexi Jewellery Purchase Plan is created to help you buy jewellery that you always wanted to buy.
The plan now offers you the option of buying gold jewellery, diamond jewellery, platinum jewellery, silver articles or silver jewellery.
Enroll and buy your favorite jewellery in 11 months from the date of enrollment.
Dream of your favourite jewellery is now made easy by our New Swarna Subiksham purchase plan.
All you have to do is fill in a simple form and join the New Swarna Subhiksham Flexi Plan.
On enrollment, you can select an amount of your choice as monthly advance payment. There are various slabs starting from Rs. 1000 onwards. You can also opt for a Customer Receipt Book to keep track of your payments. All you have to do is pay eleven equal monthly advance payments. After making the advance payment for the last month, you can buy your favorite jewellery with 50% Discount on Wastage (VA) on any jewellery with Wastage (VA) upto 18%. when you opt for weight accumulation plan or With no wastage (VA) upto 18% when opted for a value accumulation plan.
The customer can opt for either the value based or the gold weight-based option during the time of purchase.
| More Benefits in One Purchase Plan | ||||||
|---|---|---|---|---|---|---|
| Jewellery | Enrolled Value Based Option Benefits | Accumulated Weight Based Option Benefits | Making Charges | Discount Per Carat | On MRP | |
| Gold Jewellery | No VA (Up to 18%) | 50% discount on wastage (VA) on any jewellery with wastage (VA) Up to 18% | ||||
| Diamond, Uncut & Precious Jewellery | No VA (Up to 18%) | 50% discount on wastage (VA) on any jewellery with wastage (VA) Up to 18% | 25% OFF | 10% OFF | ||
| Diamond Jewellery (On MRP) | 15% OFF | |||||
| Platinum Jewellery | No VA (Up to 18%) | 50% discount on wastage (VA) on any jewellery with wastage (VA) Up to 18% | 25% OFF | 10% OFF | ||
| Silver Articles (Regular) | NA | NA | 50% | |||
| Silver Articles (Antique) | NA | NA | 50% | |||
| Silver Jewellery(MRP) | 15% OFF | |||||
| S.No | Mothly Advanced ₹ | Gold Rate ₹ | Option A Gold (Gram) | Option B Value |
|---|---|---|---|---|
| 1 | ₹ 5,000 | ₹ 6300 | 0.79 | ₹ 5000 |
| 2 | ₹ 5,000 | ₹ 6450 | 0.77 | ₹ 5000 |
| 3 | ₹ 5,000 | ₹ 6800 | 0.73 | ₹ 5000 |
| 4 | ₹ 5,000 | ₹ 6750 | 0.74 | ₹ 5000 |
| 5 | ₹ 5,000 | ₹ 6400 | 0.78 | ₹ 5000 |
| 6 | ₹ 5,000 | ₹ 6500 | 0.76 | ₹ 5000 |
| 7 | ₹ 5,000 | ₹ 6800 | 0.73 | ₹ 5000 |
| 8 | ₹ 5,000 | ₹ 6600 | 0.75 | ₹ 5000 |
| 9 | ₹ 5,000 | ₹ 6700 | 0.74 | ₹ 5000 |
| 10 | ₹ 5,000 | ₹ 6650 | 0.75 | ₹ 5000 |
| 11 | ₹ 5,000 | ₹ 6880 | 0.72 | ₹ 5000 |
| Total | ₹ 55,000 | 8.26 | ₹ 55,000 | |
| Total Accumulated weight | Total Accumulated value |
The customer can choose a weight- based option or value-based option upon maturity at the time of purchase. The above table is for illustrative purposes only.
How it works?
All you have to do is fill in a simple form and join the New Swarna Subhiksham Flexi Jewellery Purchase Plan on our website, Android and iOS app or in any of our stores.
Monthly Scheme
On enrolling, you can select an amount of your choice as a monthly advance payment.
Various slabs start from a minimum ₹1000 or greater multiples of ₹500 and pay eleven equal monthly advance payments online,(credit debit card, net banking, NEFT, ect ) or offline.
Gold Weight/Value
Your invested amount will be credited to your account as gold weight./ Value
Advance Payments
After making the advance payment for the 11th month, On the date of maturity you can own your favourite piece of jewellery for the total redemption value with 50% discount on wastage(VA) with wastage (VA) up to 18%,
This includes all Special Items like Antique, Precious, Bridal Jewellery and Pooja Items
You can opt for a receipt book to keep track of your payments.
Download the app
Scan the QR Code to download the app and follow the instructions to join a new scheme online, how to join an existing scheme online, and how to pay your monthly installment online.
Existing customers: Please use the registered mobile number (The number shared in your application form while enrolling in the new scheme) to sign up and pay your monthly installments online.
In case you need any assistance, please reach out to us at +914440747576 / cs@pothysswarnamahal.com. Our customer service executives will be delighted to help you out.
Frequently Asked Questions
The cash will not be refunded under any circumstance, as per Government regulations.
This will be updated in the customer receipt book on a monthly basis at the time of making the advance payment.This will be updated in the customer receipt book on a monthly basis at the time of making the advance payment.
The monthly payments cannot be carried over, or paid in advance.
Yes, you can make the monthly advance payments in any of the PSM showrooms in India, or online at www.pothysswarnamahal.com or Pothys Swarna Mahal mobile app.
Yes, you can purchase gold coins with a Wastage (VA) upto 50% discount.
The monthly advance payment amount is fixed.
Advance payments should reach PSM before the 10th of every month. Payments can be made by Cash / DD / Debit / Credit cards, NEFT/RTGS/UPI/Local Cheques / Post-dated Cheques (PDC) At-par cheques and online (www.pothysswarnamahal.com). Outstation cheques will not be accepted. You can give PDCs for the entire period at your convenience.
Customers who choose to Pre-close within 6 months of enrollment can redeem their accumulated gold weight/value without any VA benefits. The information is illustrated as below:
| Months | Value Based Discount On Wastage (VA) | Weight Based Discount On Wastage (VA) |
|---|---|---|
| 7 Months/210 days | 60% | 30% |
| 8 Months/240 days | 70% | 35% |
| 9 Months/270 days | 80% | 40% |
| 10 Months/300 days | 90% | 45% |
| 11 Months/330 days | 100% | 50% |
The above VA benefits are eligible for the customers subject to regular EMA without default.
