KRT’s DIGI GOLD SAVINGS SCHEME

Digi Gold Savings Scheme

Digi Gold is a smart way to save in gold through small and flexible payments. Instead of buying physical gold at once, you save gradually and your amount is converted into equivalent gold weight based on the prevailing gold rate. Over time, your digital gold accumulates and can be redeemed for jewellery at maturity.

How the Scheme Works

• Start saving with a minimum amount of ₹100.
• No compulsory monthly installment — add funds anytime during the scheme period.
• Each payment made is converted to gold weight instantly at that day’s rate.
• Scheme duration is 330 days from the date of your first payment.
• You can make multiple payments during the period as per your convenience.

Benefits

• Save small amounts regularly and build gold for future jewellery purchases.

• Bonus gold benefits are available based on the period of payment:

  • Payments made within the first 75 days receive 5% bonus.

  • Payments made during day 76 to 150 receive 3.75% bonus.

  • Payments made during day 151 to 225 receive 2% bonus.

  • Payments made during day 226 to 300 receive 0.75% bonus.
    • No bonus is applicable for payments done between 301 to 330 days.
    • Bonus is credited only upon scheme maturity.

Redemption

• On completion of 330 days, you can redeem your digital gold to purchase jewellery.
• Making charges, wastage, hallmark charges, stone charges (if applicable) and GST are applied at the time of jewellery purchase.
• Redemption is only through jewellery purchase and not in cash.
• Early closure or cash refund is generally not permitted.

Why Choose Digi Gold?

• Easy savings starting from just ₹100.
• Flexible, no mandatory monthly payment.
• Best suited for long-term jewellery planning.
• Bonus gold adds extra value to your savings.
• Safe and convenient way to accumulate gold over time.

How to Join

  1. Register with your basic details.

  2. Start saving by paying any amount from ₹100 onwards.

  3. Add money anytime within the 330-day period.

  4. Allow the scheme to mature to receive bonus benefits.

  5. Redeem your gold savings for jewellery after maturity.

Digi Gold Scheme – Join Now