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You pay a fixed amount every month for 11 months
Each payment is converted into gold at the prevailing gold rate of that day
This protects you from future gold price increases
✔ Best for people planning weddings, festivals, or long-term jewellery purchase
After completing 11 payments, the jeweller adds the value of 1 extra month (bonus)
This is effectively a ~9%–10% return (without market risk)
✔ This bonus alone makes it better than keeping money idle in savings
Since gold is accumulated monthly, you average the gold price
This reduces risk compared to buying gold in one lump sum
✔ Known as rupee-cost averaging
You are not exposed to stock market fluctuations
Gold is a stable asset in India with cultural + financial value
✔ Suitable for conservative investors and families