Frequently Asked Questions

The Viindhya Gold Purchase Plan lets you buy 999.0 purity gold in one go. Here’s how it works:

• One-Time Purchase: On the day you join the plan, you buy the desired quantity of gold (e.g., 100 grams) at that day’s live market rate by making a full payment.
• Price Lock: Once you make the purchase, your gold price is locked. Future price fluctuations — whether up or down — won’t affect your plan.
• Get Additional Metal Gold: Depending on your chosen tenure (e.g., 36, and 60 months), you receive an additional Upto 65% gold Additional Metal on your purchased quantity.
• Digital Tab: Your total gold (purchased + additional metal) will be accumulated in your account in your name, as per your chosen frequency—monthly, quarterly, or half-yearly.

Yes. Your purchased gold is 999.0 pure, certified, and 100% protected. You get direct ownership of your gold, and it will be securely delivered to your registered address.

Most gold saving plans work on a monthly installment (SIP) basis, where you pay every month. But the Viindhya Gold Purchase Plan is different:

• One-Time Payment & Price Lock: You pay once and buy your gold upfront.
• Protection from Price Hikes: Since your price is locked on day one, future gold price rises won’t affect you.
• Higher Additional Metal: Instead of interest or market-based returns, you earn a fixed gold Additional Metal (Upto 65%) on your purchased gold.

Even though you pay once, your purchased gold (plus Additional Metal) is deposited into your ‘My Funds’ monthly (if you choose the monthly deposit option).

Yes — that’s exactly how this plan works. You make a one-time full payment for the gold quantity you choose (e.g., 50g, 100g, 1Kg etc.) on the day you start the plan.

There are no monthly installments in this plan (Lite12, Smart – 36, Advantage – 60) — so there’s no risk of missing any payment. You pay once upfront, and that’s it.

Your returns come in the form of Additional Metal added to your purchase. Depending on your plan tenure and deposit frequency, this Additional Metal ranges from 25% to 65%. Example: If you choose the ADVANTAGE 60 (60-month) plan, you can earn a 60%–65% Additional Metal.
So if you buy 100g of gold, you get an extra 60–65g as Additional Metal.

The main differences lie in tenure and Additional Metal percentage. The number in the plan name represents its tenure (in months).

• Easy Pay 11 → 11 months
• LITE 12 → 12 months
• SMART 36 → 36 months
• ADVANTAGE 60 → 60 months

Yes, absolutely. You don’t have to wait until plan maturity. You can choose gold bar denominations such as 2g, 5g, 10g, or 20g, based on your preference.