Home  /  Schemes  /  Golden Growth
Already saving with us? Pay this month's instalment in your passbook.
Open my passbook
Savings scheme · Since 1846

Golden Growth

Gold Saving Plan
Save Monthly. Accumulate Gold. Shine Forever.
11 Month
(330 Days) Gold Saving Plan
₹5,000
Minimum Monthly Investment
Daily
22KT Gold Rate Purchase
0%
Wastage Charge
Up to 75%
Value Addition Waiver*
Join the Plan Talk to our expert
How it works

4 Simple Steps to Build Your Gold

1. Join the Plan

Register online or visit any PJE showroom. Choose your monthly saving amount starting from ₹5,000.

2. Pay Every Month

Pay before the 15th of every month through UPI, Net Banking, Card or at our showroom.

3. Gold Gets Added

Every month's payment is converted into 22KT gold based on that day's gold rate. Your gold keeps growing.

4. Redeem Jewellery

After completing 11 months (330 days), redeem your accumulated gold on any jewellery purchase.

Complete 11 Months (330 Days) and Redeem on Jewellery Purchase
Your savings. Your gold. Your moment.
Today's 22KT Gold Rate
₹ —
/ g
Fetching latest rate…
*Gold rate is indicative and subject to change at the time of purchase.
Rate history
Loading…
Calculate your savings
Estimated gold you can accumulate
— g
(Approx., based on today's 22KT rate)
Exclusive plan benefits

Exclusive Plan Benefits

Daily 22KT Gold Purchase

Your monthly payment buys gold at the day's prevailing rate.

Average Price Advantage

Regular savings help average out gold price fluctuations.

0%

0% Wastage Charge

Redeem your gold with zero wastage on eligible jewellery.

Up to 75%

Value Addition Waiver*

50% waiver after 6–8 months. 75% waiver after 9–10 months.

Flexible Investment

Increase your monthly amount anytime as per the scheme rules.

Trusted PJE Quality

BIS Hallmarked jewellery with 100% transparency and trust.

Value addition waiver

Redeem your gold with zero wastage on eligible jewellery

50%
After 6 – 8 Months
Value addition waiver
75%
After 9 – 10 Months
Value addition waiver
Questions

Frequently asked questions

What is the minimum monthly investment?↓
You can start the Golden Growth plan from ₹5,000 a month. There's no upper limit — save as much as suits your budget.
How is gold calculated in this plan?↓
Each month's payment is converted into 22KT gold at that day's prevailing rate, so your instalments buy gold at different rates across the 11 months — averaging out price swings.
Can I pay online?↓
Yes — pay by UPI, net banking, or card through the passbook app, or in person at any PJE showroom, before the 15th of each month.
What happens if I miss a payment?↓
WhatsApp or call us and we'll help you catch up — talk to our team before your next due date so your plan stays on track.
How does the value addition waiver work?↓
Redeem after 6–8 months and PJE waives 50% of the value addition (making charges) on eligible jewellery; redeem after 9–10 months and the waiver rises to 75%.
Ready to start?

Ready to start your gold journey?

Begin your journey towards owning your dream jewellery with smart monthly savings.

Join the Plan