Dhanteras in the winter season and Akshaya Tritiya in the summer season… are considered the two most auspicious days for buying gold in India. Now before Diwali, there is a muhurta to buy gold on Dhanteras. In such a situation, if your budget is not being made due to the increased prices of gold this time, you can still buy gold. You can take advantage of the gold-saving scheme of branded jewelery stores like Tanishq, Kalyan Jewelers, and Senko Gold. You get many benefits from this scheme.

While the jewelery brands present in the country guarantee the purity of the gold along with unique designs and hallmark gold jewelery, they also give gold price protection to people from buying gold jewelery in installments through their gold scheme.

Tanishq's Golden Harvest Scheme

You get the option of 'Golden Harvest Scheme' at the Tanishq store of Tata Group, the country's largest jewelery brand. In this scheme, you have to deposit at least Rs 2,000 every month. On top of that, you can increase the installment amount in multiples of Rs 1,000. You have to pay these installments for 10 months. According to the amount deposited in it, you can buy jewelry of that value from Tanishq in the 13th month.

The biggest advantage of this is that the company adds an amount equal to 75 percent of the value of your first installment to your total amount. In this way, if you have deposited Rs 20,000 in 10 months at the rate of Rs 2,000, then you will get a chance to buy jewelry worth Rs 21,500 in the 13th month.

Senko Gold's 'Swarna' schemes
Senko Gold, a company that mainly runs branded jewelry stores in small towns, also runs a 6-month gold benefit, an 11-month gold plan, and a gold increase scheme of 18 months or more for the people. In this, the minimum investment is Rs 1,000 and thereafter in multiples of 1,000. In this, in the 6-month scheme, the amount equal to 30 percent of the first installment is increased in the total deposit amount of the customer.

Similarly, in the 11-month scheme, the customer gets the benefit of 75 percent of the first installment in the total fund and 150 percent in the 18-month scheme. You can buy jewelry from Senko with this total fund. The company also provides you with offers like discounts on making charges.

Kalyan Jewelers' Gold Rate Protection Scheme

Apart from this, you get the benefit of the 'Gold Rate Protection' scheme at the stores of Kalyan Jewelers, the country's popular jewelry brand. In this scheme, you choose a jewelry and deposit an amount equal to 10 percent of its amount in the store. After this, you can confirm your purchase after the 8th month. In this, you can deposit an installment of Rs 500 to Rs 40,000 per month. After the installment of the 11th month is deposited, your scheme closes and you can buy jewelry equal to the deposit amount.

The advantage of this scheme is that Kalyan Jewelers exempts you from making charges. While you get gold jewelry at the same gold rate, which was 11 months ago. If the gold rate comes down, then you get the gold value at a lower rate.

Apart from this, you also get the benefit of different gold schemes at stores like Reliance Jewels, Malabar Gold, Tribhuvandas Jewelers, and Mehrasons Jewelers.