SMJ Smart Scheme

SMJ Smart Scheme - Ponmagal Gold Saving Plan

The Ponmagal Gold Saving Plan helps you systematically accumulate gold, ensuring long-term financial stability. You can invest in gold and enjoy zero making charges and no wastage fees when purchasing beautiful gold jewellery.

Key Features:
- Flexible Savings: Start with ₹1,000, with additional contributions in multiples of ₹500.
- 11-Month Duration: Save over 11 months to gradually build your gold assets.
- Zero Making Charges: Upon maturity, there are no making charges or wastage fees on gold purchases.

How to Join:
- Visit Our Showroom: Submit KYC documents and pay your first instalment to receive a passbook.
- Payment Options: Pay future instalments using the SMJ Smart Scheme App (via debit/credit card, UPI, or net banking) or at the showroom.
- Gold Accumulation: Each instalment converts to gold weight at the current rate, contributing to your savings.

Redemption & Closure:
- Upon maturity, redeem your accumulated gold to buy gold jewellery or silver articles with zero making charges or wastage fees.
- Maximize the value of your savings by purchasing gold or silver items.