Tanishq Gold Schemes

Tanishq is a premier contemporary jewellery brand of India. Established as a subsidiary of Titan Company Limited in collaboration with Tamil Nadu Industrial Development Corporation, the headquarters of Tanishq is in Bengaluru, Karnataka. Tanishq has pioneered the field of jewellery making and craftsmanship. Their designs range from bridal sets, party diamonds, solitaires, casual and workwear jewellery. With a PAN India presence, Tanishq also creates gold jewellery of 18K & 22K purity along with providing precious stones and pearls. We have carefully curated this article to help you understand the different types of gold schemes offered by Tanishq. Read on to find out more.

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This is a gold booking scheme where a customer can book grams of gold and redeem them against gold purchases from Tanishq. You can make a deposit per month for 8 months and the deposited amount gets automatically converted into gold grams as per the prevailing gold rate during the time of deposit. The total amount at the end of 8 months tenure can be utilised to purchase jewellery. E.g. If you have booked a total of 100 grams over 8 months under this scheme and the rate of redemption is ₹1,000 per gram of gold, then you are entitled to buy gold worth ₹1,00,000/-.

Features of Tanishq Swarnanidhi Scheme

• Flexibility to pay a fixed amount every month, you can pay any number of installments in a month.
• Ideal for wedding planning or festivals. You can start 8 months before the date of purchasing gold/wedding date or before the festival.
• There is less risk as you are purchasing gold in grams which is not affected by the gold rate change.
• Option to become a member of Encircle - Titan’s exclusive loyalty program.

Benefits of Tanishq Swarnanidhi Scheme

• You can make any number of installments in a month.
• Helps you save money for making a large gold purchase.
• The grams of gold are calculated on a monthly basis as per your monthly deposit/installment. If the price of the gold goes up, you will have a larger corpus to make the purchase during maturity.
• Comes with the option of instant pay and Auto-Debit.

Terms and Conditions

• You can open this scheme at any Tanishq showroom with a valid KYC ID proof.
• The gold grams are dependent upon the monthly deposits/installments.
• You can encash your entire deposit post the 8 months period for purchasing gold jewellery from Tanishq.
• This is applicable for gold and diamond jewellery. You cannot purchase gold coins under this scheme.
• Tanishq has full rights to alter/suspend this scheme.
• The value of the jewellery selected should be equal or higher of the pre-booked gold grams.
• The minimum deposit amount is ₹3,000 followed by multiples of ₹2,000.
• GST and additional repair, making charges are applicable.
• The deposited amount will be refunded to the individual post 10 months in case no purchase has been made.

How does this scheme work?

If you begin with this scheme on 1st Jan 2019: