Bhima Gold Tree

Under the Bhima Gold Tree plan you can make plans for two years. Gold prices will be fixed every time you make your monthly payment, so you do not have to worry about an increase in prices. 

For the two years plan, you also will be getting a simple bonus of 6 per cent. There is also a discount on making charges.

GRT Golden Eleven

GRT Golden Eleven allows you to purchase your gold after the 12th month. You can invest in small monthly plans of 11 months, with a small amount as low as Rs 500.

You can buy gold jewellery with the accumulated sum, but now jewellery with diamonds or other precious stones.

Golden Harvest from Tanishq

Under this scheme, you need to pay a fixed amount every month with Tanishq for 10 months. From the end of the 10th month you will be eligible for a special discount which will vary from 55% to 75% of the fixed installment.

In this scheme minimum installment value is Rs 2000 and it can increase to any amount as long as it is in multiples of Rs 1000.

PN Gadgil

Under this gold scheme, you pay for 12 months and PN Gadgil Jewellers will contribute for the 13th month and you can make your purchase on the 14th month.

You can invest in small amounts, and maybe able to also get discounts on making charges.

Kalyan Jewellers Gold Scheme

You can make similar purchases through Kalyan Jewellers. Installment begins from Rs 500 to Rs 40,000. For each month of delayed payment of installment, making charges will be increased by 0.25 per cent. So make sure you are paying your installments regularly.

The amount paid under the purchase advance scheme has to be compulsorily closed within 365 days. The purchase advance can only be closed by sale of the selected ornament.

Tribhowandas Bhimji Zaveri or TBZ’s Kalpavruksha

Under this scheme you pay 10 installments and TBZ will give you a discount of 1 installment. So, if you are paying Rs 10,000 in 10 installments, TBZ will pay the 11th installment. A good scheme for those looking at buying gold jewellery after the tenure.

PC Jeweller

PC Jeweller runs the "Jewel for less" scheme. This is a good scheme where the jeweller pays one installment after the period. This is similar to a bank giving you interest on recurring deposits.