Chit & Gold Savings Scheme

Kalpavruksha

KAMADHENU® presents "Kalpavruksha", a first of its kind & unique gold savings scheme for the benefit of our customers. Come, join our gold savings scheme & bring home More Gold... More Prosperity...More Happiness....

• Pay only for 10 months and 11th installment paid by us.
• Scheme can be taken in multiples of 500.
• No wastage charges (upto a maximum of 15%) on Gold jewellery limited to the maturity amount*
• Precious stones like Ruby, Emerald, Diamond etc. will be charged separately
• VAT APPLICABLE Precious stones like Ruby, Emerald, Diamond etc. will be charged separately.

Installment	Months	Total Savings	11th month Paid by KJ	Maturity Amount
500	10	5,000/-	500/-	5,500/-
1000	10	10,000/-	1000/-	11,000/-
2000	10	20,000/-	2000/-	22,000/-
5000	10	50,000/-	5000/-	55,000/-
8000	10	80,000/-	8000/-	88,000/-

Smart Gold

• The minimum monthly saving amount starts from INR 500/- and maximum upto INR 8,000/-
• Gold weight will be credited to the plan in accordance with the amount paid and the price of Gold on the said date
• After scheme maturity, customers can purchase adjusting the accumulated Gold weight
• No Making & Wastage charges (upto a maximum of 15%) for accumulated Gold weight
• Payment can be made by Cash, Cheque, Credit & Debit cards, Online (www.kjgroup.co)
• Only one entry/installment is allowed per month
• VAT and any other Govt. taxes as applicable
• Precious stones like Ruby, Emerald, Diamond etc will be charged separately

Months	amount being paid (average)	gold rate on date of paying (average)	gold accounted for
1	500/-	2,250/-	0.222gms
2	1,000/-	2,275/-	0.440gms
3	1,500/-	2,560/-	0.586gms
4	500/-	2,500/-	0.200gms
5	2,500/-	2,350/-	1.064gms
6	2,000/-	2,300/-	0.870gms
7	8,000/-	2,525/-	3.168gms
8	1,500/-	2,325/-	0.645gms
9	3,500/	2,600/-	1.346gms
10	1,000/-	2,565/-	0.390gms
11	3,000/	2,456/-	1.221gms
TOTAL GOLD ACCUMLATED AT THE END OF SCHEME:			10.152gms