Which Jewellery Plan Is Right for You?
Gold jewellery is an important part of weddings, festivals and family celebrations. However, with changing gold prices, planning a future jewellery purchase can sometimes become challenging.
Instead of waiting until the purchase date and arranging a large amount at once, systematic monthly planning can make your jewellery journey easier.
Arundhati Jewellers – Odisha’s Largest Jewellery Brand offers two Swarna Samriddhi plans designed for different jewellery goals:
- Swarna Samriddhi Gold Plus Plan – Save monthly and enjoy attractive bonus benefits.
- Swarna Samriddhi Goldmine Plan – Accumulate 22KT gold weight every month.
Both plans offer unique advantages. Understanding the difference can help you select the right plan for your future jewellery purchase.
Swarna Samriddhi Gold Plus Plan: Save Monthly and Earn Bonus Benefits
The Swarna Samriddhi Gold Plus Plan is designed for customers who want to build a jewellery purchase fund while receiving additional bonus benefits.
You can start with a monthly instalment of ₹1,000 or above in multiples of ₹1,000 and continue saving for 11 months.
After completing the plan, eligible customers can receive bonus benefits based on the applicable maturity period.
Gold Plus Bonus Benefits
| Maturity Period | Bonus Benefit |
| 6 Months – 181 to 270 Days | 50% of the first instalment |
| 9 Months – 271 to 330 Days | 70% of the first instalment |
| 11 Months – 331 to 360 Days | 100% of the first instalment |
| 11 Months – Diamond Jewellery Billing | 150% of the first instalment |
Simple Example
If you save ₹15,000 every month for 11 months:
- Total deposited amount: ₹1,65,000
- Eligible bonus at 11-month maturity: ₹15,000
- Total purchase value: ₹1,80,000
Customers planning eligible diamond jewellery purchases may receive a bonus of up to 150% of the first instalment amount, subject to the applicable scheme terms and conditions.
The Gold Plus Plan can be used for eligible purchases such as:
- 22KT Gold Jewellery
- Diamond Jewellery
- Silver Jewellery
- Silk Sarees, subject to availability
Swarna Samriddhi Goldmine Plan: Build Gold Weight Every Month
The Swarna Samriddhi Goldmine Plan is designed for customers who want to accumulate 22KT gold weight instead of saving only in rupees.
You can begin with a monthly instalment of ₹5,000 or above.
Every monthly instalment is converted into equivalent 22KT gold weight according to the prevailing gold rate on the payment date.
This means you gradually accumulate gold weight throughout the plan rather than purchasing all the gold at the rate available on the final purchase date.
Simple Example
Suppose you deposit ₹15,000 every month for 11 months while gold prices gradually increase.
- Total instalment amount: ₹1,65,000
- Illustrative accumulated gold weight: Approximately 10.17 grams
If the entire ₹1,65,000 were used only at the end of the plan at an illustrative gold rate of ₹17,500 per gram, it would purchase approximately 9.43 grams.
Monthly gold accumulation may therefore help customers maintain better purchasing power during a rising gold market.
Actual accumulated gold weight will depend on the prevailing gold rate applicable on each payment date.
Additional Benefits of the Goldmine Plan
Eligible customers can enjoy attractive discounts on wastage charges based on the maturity period.
| Maturity Period | Discount on Wastage Charges |
| 6 Months – 181 to 270 Days | 40% |
| 9 Months – 271 to 330 Days | 50% |
| 11 Months – 331 to 360 Days | 60% |
Customers may also deposit up to two additional instalments in a month, excluding default instalments, according to the applicable scheme conditions.
This can provide an opportunity to accumulate more 22KT gold weight when gold rates are favourable.
Gold Plus vs Goldmine: A Simple Comparison
| Feature | Gold Plus | Goldmine |
| Main Focus | Bonus-based savings | 22KT gold weight accumulation |
| Minimum Monthly Instalment | ₹1,000 | ₹5,000 |
| Key Benefit | Up to 150% bonus on the first instalment | Up to 60% discount on wastage charges |
| Suitable For | Gold, diamond and silver jewellery buyers | Customers focused on gold jewellery |
| Best Choice For | Customers seeking additional bonus value | Customers concerned about future gold price increases |
Which Swarna Samriddhi Plan Should You Choose?
Choose the Gold Plus Plan if you:
- Prefer bonus benefits on your monthly savings.
- Want to start with ₹1,000 or above per month.
- Are planning to purchase gold, diamond or silver jewellery.
- Want additional benefits for eligible diamond jewellery purchases.
Choose the Goldmine Plan if you:
- Want to accumulate 22KT gold weight every month.
- Are planning a future gold jewellery purchase.
- Want to reduce dependence on the gold rate available only on the final purchase date.
- Prefer attractive wastage charge benefits.
Both plans are designed for different jewellery goals. Your choice should depend on whether you prefer bonus-based savings or monthly gold weight accumulation.
Track Your Plan Through the Swarn Samriddhi App
The Swarn Samriddhi App makes it convenient to manage your plan digitally.
Customers can:
- Track monthly instalments.
- View payment history.
- Monitor account progress.
- Check accumulated gold weight.
- Plan future jewellery purchases more effectively.
Who Can Benefit from These Plans?
The Swarna Samriddhi plans can be suitable for:
- Families planning wedding jewellery.
- Customers preparing for Akshaya Tritiya, Dhanteras, Raja Festival, Durga Puja or Diwali.
- Parents planning future jewellery purchases for their children.
- Young professionals beginning their jewellery journey.
- Customers planning future gold or diamond jewellery purchases.
Start Planning Your Golden Future
Your jewellery dreams do not have to depend entirely on future gold prices or a large one-time payment.
The Swarna Samriddhi Gold Plus Plan helps you build a jewellery purchase fund while enjoying eligible bonus benefits.
The Swarna Samriddhi Goldmine Plan helps you accumulate 22KT gold weight month after month.
Choose the plan that matches your jewellery goals and begin your journey today with Arundhati Jewellers – Odisha’s Largest Jewellery Brand.
Visit your nearest Arundhati Jewellers showroom to learn more about the Swarna Samriddhi Gold Plus and Goldmine Plans.
Available across Bhubaneswar, Cuttack, Puri,Berhampur, Rourkela, Sambalpur, Angul, Balangir, Bhawanipatna, Bargarh and other locations across Odisha.
All bonuses, discounts, benefits, purchase options and redemption eligibility are subject to the applicable Swarna Samriddhi scheme terms and conditions.
Frequently Asked Questions (FAQs)
1. What are the Swarna Samriddhi Gold Plus and Goldmine Plans?
The Swarna Samriddhi Gold Plus and Goldmine Plans are advance jewellery purchase plans offered by Arundhati Jewellers – Odisha’s Largest Jewellery Brand. Gold Plus focuses on bonus-based monthly savings, while Goldmine helps customers accumulate 22KT gold weight every month.
2. What is the main difference between Gold Plus and Goldmine?
Gold Plus allows customers to save a fixed amount every month and receive eligible bonus benefits. Goldmine converts each monthly instalment into equivalent 22KT gold weight based on the prevailing gold rate on the payment date.
3. What is the minimum monthly instalment for the Gold Plus Plan?
Customers can start the Gold Plus Plan with a monthly instalment of ₹1,000 or above in multiples of ₹1,000.
4. What is the minimum monthly instalment for the Goldmine Plan?
Customers can enrol in the Goldmine Plan with a monthly instalment of ₹5,000 or above.
5. What bonus benefits are available under the Gold Plus Plan?
Eligible customers can receive up to 100% of the first instalment amount as a bonus after completing the applicable 11-month maturity period. For eligible diamond jewellery billing, the bonus benefit may be up to 150% of the first instalment amount.
6. How is gold accumulated under the Goldmine Plan?
Every monthly instalment is converted into equivalent 22KT gold weight according to the prevailing gold rate on the payment date. The accumulated gold weight can be used towards eligible jewellery purchases after completing the plan.
7. Does the Goldmine Plan help during rising gold prices?
Monthly gold accumulation allows customers to build gold weight at different prevailing rates instead of purchasing all the gold at the rate available on the final purchase date. This may help reduce the impact of future gold price increases.
8. What wastage charge benefits are available under the Goldmine Plan?
Eligible customers may receive up to a 60% discount on wastage charges after completing the applicable 11-month maturity period.
9. Can I pay additional instalments under the Goldmine Plan?
Customers may deposit up to two additional instalments in a month, excluding default instalments, according to the applicable scheme terms and conditions.
10. Which plan is better for diamond jewellery purchases?
The Gold Plus Plan may be more suitable for customers planning diamond jewellery purchases, as eligible customers can receive a bonus of up to 150% of the first instalment amount on diamond jewellery billing.
11. Which plan should I choose if I am concerned about rising gold prices?
The Goldmine Plan may be suitable if your primary goal is to accumulate 22KT gold weight every month and reduce dependence on the gold rate available only on the final purchase date.
12. Can I track my Swarna Samriddhi plan online?
Yes. Customers can use the Swarn Samriddhi App to track instalments, view payment history, monitor account progress and check accumulated gold weight, depending on the selected plan.
13. Where can I enrol in the Swarna Samriddhi Plans?
You can visit your nearest Arundhati Jewellers – Odisha’s Largest Jewellery Brand showroom to learn more and enrol in the Gold Plus or Goldmine Plan.
14. Are the benefits and redemption options subject to terms and conditions?
Yes. All bonus benefits, discounts, gold weight accumulation, purchase options, maturity benefits and redemption eligibility are subject to the applicable Swarna Samriddhi scheme terms and conditions.
