12+1 Monthly Jewellery Plan
Plan Today.
Celebrate with
Gold Tomorrow.
Choose a comfortable fixed monthly contribution, pay it for 12 months, and use the eligible accumulated value toward qualifying jewellery with the applicable 13th-month plan benefit — always subject to the official terms.
A jewellery purchase plan from Shree Gajanand Jewellers, Ranchi. It is not an interest-bearing deposit or investment-return product.
Original Gajanand jewellery imagery. Your eventual selection remains subject to plan eligibility and availability.
How the plan works
Three simple stages.
The official plan document governs every benefit, payment condition and redemption rule.
Select a comfortable fixed monthly contribution.
Choose the amount only after reviewing the approved minimum, maximum and eligibility conditions with the Ranchi showroom.
Pay the selected amount for 12 months.
Keep each payment record. Due dates, permitted payment methods and late-payment treatment are governed by the official terms.
Use the eligible accumulated value.
Receive the applicable 13th-month plan benefit and use the accumulated value toward eligible jewellery, subject to the official terms.
Designed around a future jewellery purchase
The plan supports an intentional purchase journey.
It does not promise interest, cash returns or speculative growth.
A fixed monthly rhythm
Select one contribution amount and plan consistently across the 12 customer-paid months.
Jewellery choice at redemption
Explore eligible jewellery when redeeming, subject to the official product and plan conditions.
Direct showroom guidance
Discuss contribution, documentation, jewellery eligibility and redemption with the Ranchi team before enrolling.
Illustrative calculator
Build an example.
Enter a monthly contribution and the benefit stated in the approved terms. This calculator makes no assumption about plan limits or benefit rules.
Today's live 22K gold rate: ₹0/g
Illustration only. This is not interest, a guaranteed financial return or a promise of cash withdrawal. Final values depend on the official plan document.
Explore jewellery for the occasion ahead
Browse the collection.
These are browsing categories, not a statement of plan eligibility. Confirm qualifying jewellery under the official terms.
Trust begins with what is clear
No invented rates, returns or unverified promises.
Verified Ranchi showroom
Visit the published Upper Bazar address or call the verified showroom number.
Official terms govern
Benefits, eligibility and redemption are controlled by the approved plan document.
No investment claims
The calculator does not show interest, growth rates or guaranteed cash outcomes.
Jewellery-led guidance
Discuss eligible jewellery and product information with the showroom before redemption.
Frequently asked questions
Questions to settle before you enrol.
SGJ Swarna Dhara — Terms & Conditions
The official scheme terms.
The Terms & Conditions of SGJ Systematic Gold Purchase Scheme — Rate prevailing on the due dates of monthly installment payment have been read & understood, and agreed upon by the Member while applied for the Membership. The Member also agreed upon placing an order for finished gold jewellery weighing more than the gold that would be accumulated in Member's account after maturity of scheme. The required making charges, VAT & other taxes, if any applicable, together with the cost of difference of gold would be paid by the Member during delivery of the ordered jewellery.
Join online
Register and pay your first installment.
Log in with your account, fill in your details, choose a monthly amount and pay the first installment. Your plan activates immediately after a successful payment.
Final benefits, redemption rules and eligibility are governed by the official plan document.
To join the plan online, please log in or create an account first. Alternatively, leave your number and our team will call you back.
Opens WhatsApp. Your number is saved so we can follow up.
Ranchi showroom
Discuss the plan in person.
Upper Bazar, Ranchi, Jharkhand — 834001
Monday–Sunday · 11:00 AM–8:00 PM
Before your visit, it helps to:
A future occasion, planned thoughtfully
Begin with the terms.
Choose the jewellery when the moment arrives.
Enquire with the showroom to review the official document, contribution options and eligible purchase journey.