Jewellery shopping contributes to the major expenses for any Indian wedding or celebration. With gold prices showing no signs of reducing, Bhima offers several jewellery purchase plans through which you can set aside a budget for buying jewellery.

Being a people's brand, Bhima understands the impact gold has in our lives and offers Jewellery Purchase Plans that make your gold buying process easy and affordable.
Here is one of our best gold and diamond jewellery purchase plans.
BHIMA MY CHOICE - RATNA
BHIMA MY CHOICE RATNA EMA jewellery purchase plan offers the most affordable and convenient way to buy jewellery with Easy Monthly Advance Payment (EMA). RATNA is a uniquely designed and preferred jewellery purchase plan with a lot of attractive and assured benefits to make your jewellery purchase even more delightful.
RATNA EMA Plan Explained
- RATNA is a fixed and easy EMA plan wherein you have to pay a minimum of INR 5000 or above (in multiples of thousand) every month for 11 months.
- Under the RATNA plan, you can purchase diamond jewellery at the completion of the 11th month (after 30 days from the date of payment of the 11th month) and avail the benefit equivalent to two months of EMA amount as discount.
- You can also purchase 22KT BIS Hallmarked Gold Jewellery and avail the benefit of one month's equivalent EMA amount as discount.
Still confused? We've explained it for you with an example:
EXAMPLE: RATNA Diamond Jewellery Purchase Plan
| Easy Monthly Advance | Discount/Benefit | Total |
|---|---|---|
| INR 5,000 X 11 = INR 55,000 | INR 10,000 | INR 65,000 |
| INR 20,000 X 11 = INR 2,20,000 | INR 40,000 | INR 2,60,000 |
EXAMPLE: RATNA Gold Jewellery Purchase Plan
| Easy Monthly Advance | Discount/Benefit | Total |
|---|---|---|
| INR 5,000 X 11 = INR 55,000 | INR 5,000 | INR 60,000 |
| INR 20,000 X 11 = INR 2,20,000 | INR 20,000 | INR 2,40,000 |
For more details about the plan and to check out our other plans, visit Bhima Gold website.
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