Recurring jewellery plans made simple
Choose a scheme, pay monthly, and collect jewellery at the end. Clear, honest, and flexible.
How It Works
Why Join Navkaar Savings Schemes?
Secure & Trusted
Fully verified and transparent monthly savings system.
Low Monthly Entry
Start saving gold from just ₹3000 per month.
Easy Payments
Pay through UPI, bank transfer, or cash.
Bonus Month Benefits
Get extra free months in 11+1 schemes.
Available Schemes
Digital Gold
Digital Wallet
11plusone
Installment Plan
Why Customers Love Navkaar Jewellers
Transparent Process
Clear monthly statements, no hidden rules.
Customer First
Friendly support and smooth onboarding.
Guaranteed Savings Growth
Watch your gold savings grow every month.
11 + 1 Scheme Calculator
Adjust amount per month to see totals and an estimated gold weight (optional).
| # | Due date | Amount |
|---|---|---|
| 1 | — | ₹5,000 |
| 2 | — | ₹5,000 |
| 3 | — | ₹5,000 |
| 4 | — | ₹5,000 |
| 5 | — | ₹5,000 |
| 6 | — | ₹5,000 |
| 7 | — | ₹5,000 |
| 8 | — | ₹5,000 |
| 9 | — | ₹5,000 |
| 10 | — | ₹5,000 |
| 11 | — | ₹5,000 |
Frequently Asked Questions
Scheme Terms & Conditions
The following terms and conditions govern participation in Navkaar Jewellers’ jewellery savings schemes. By enrolling in any scheme, the customer agrees to comply with these rules.
- General Scheme Rules
The 11+1 jewellery savings scheme follows a standard savings model commonly adopted by jewellery stores across India. Under this scheme, customers pay a fixed monthly installment for 11 consecutive months. Upon successful and timely completion of all installments, Navkaar Jewellers provides an additional month’s value as a bonus. The total accumulated value (11 paid installments + 1 bonus installment) is redeemable against jewellery purchase at prevailing market prices at the time of redemption. This scheme is intended to encourage disciplined savings for future jewellery needs and does not represent a financial investment or interest-based return. - Early Cancellation Policy
If the customer chooses to discontinue or cancel the scheme before the completion of the full tenure, the total amount invested up to that date will be returned. In such cases, the bonus or free month benefit will not be applicable, and no additional benefits will be provided. - Redemption at Scheme Completion
Upon successful completion of the scheme tenure, the accumulated amount including the bonus value must be redeemed exclusively against jewellery purchase from Navkaar Jewellers. Cash payout of the bonus amount is not permitted. If the customer opts to receive cash instead of purchasing jewellery, only the total invested amount (excluding the bonus) will be returned. - Scheme Modification Rules
Once a scheme has been enrolled, it cannot be downgraded during the tenure. Customers may choose to upgrade to a higher-value scheme (for example, from 11+1 to 12+2), subject to store approval and applicable terms. Downgrading to a lower-value scheme (such as from 11+1 to 6+1) is not permitted. - Digital Gold Conversion
Customers may choose to convert their invested amount into digital gold, subject to prevailing gold prices and applicable store policies at the time of conversion. The bonus benefit, if any, will be applied as per scheme rules and redemption conditions.
Navkaar Jewellers reserves the right to modify or update scheme terms and conditions with prior notice, in accordance with business or regulatory requirements.
