Bhima Gold Scheme Review - 2026
Gold holds a special place in Indian households, not just as a symbol of prosperity and wealth but also as a reliable investment. However, due to massive gold prices, buying the asset in substantial quantities becomes a challenge for many Indian households. This is where Gold schemes come into the picture, offering a flexible way to save for future gold purchase.
One such gold scheme that has become popular in the recent past is the Bhima gold scheme. In this article, we will delve into the details of the scheme, understand the benefits & drawbacks and compare it to other gold schemes in the market.
Understanding the Bhima jewellers gold scheme
Bhima Jewellers have 4 jewellery schemes. Below are the Bhima gold schemes:
1. Golden Key Easy Monthly Advance (EMA) Plan: This Bhima jewellers gold scheme allows customers to make monthly contributions in the scheme for 11 months. After the 11th month, the customers can buy gold jewellery or coins from Bhima’s jewellery stores. Below are the features of the Bhima Gold scheme:
Scheme Duration- 11 months
Minimum amount- ₹5,000/month
Benefits- 100% Discounts on making charge and wastage charge on 22Kt gold jewellery and gold coins
Withdraw options- gold coins or jewellery
2. Kubera Plan: This Bhima jewellers gold scheme allows users to make monthly instalments starting from a minimum amount of ₹2000. Under this plan, equivalent quantity of 22Kt Gold gets bought everytime you make a monthly instalment. After the end of the plan, users can get gold jewellery made out of the accumulated gold grams and claim discounts on making charges applicable.
Scheme Duration- 11 months
Minimum amount- ₹2,000/month
Benefits- 50% Discounts on making charge and wastage charge on 22Kt gold jewellery and gold coins
Withdraw options- gold coins or jewellery
3. Samruddhi Plan: The Samruddhi Plan works similar to the Golden Key EMA plan. Under this Bhima jewellers gold scheme, users need to make monthly instalments starting from ₹1000. Once the scheme tenure is over, users can buy gold jewellery with the accumulated amount and claim discounts on making and wastage charges
Scheme Duration- 11 months
Minimum amount- ₹1,000/month
Benefits- 20% Discounts on making charge and wastage charge on 22Kt gold jewellery and gold coins
Withdraw options- gold coins or jewellery
4. Ratna Plan: This Bhima jewellers gold scheme allows users to save systematically for diamond jewellery of choice. For 11 months, users make monthly instalments starting from ₹5000. Once the tenure is over, users can purchase diamond jewellery with the accumulated amount and claim 2 month's of contribution as discount.
Scheme Duration- 11 months
Minimum amount- ₹5,000/month
Benefits- 2 month's worth instalment as discount on diamond jewellery or 1 month's worth instalment as discount on 22K gold jewellery
Withdraw options- Diamond or 22Kt gold jewellery
Gullak as an alternative gold scheme
1. Gullak is a modern gold savings platform designed to make gold buying effortless and accessible. Instead of requiring large lump-sum commitments, it allows you to build your gold holdings systematically over time. Below are the key features of saving on Gullak:
2. Gold accumulation - Instead of buying 10 gms gold in a go, which can be a big amount to many, you can start buying gold on Gullak starting from just ₹100/day. Over time, this gold accumulates and builds 10 gms gold for you.
3. 100% Flexibility - You get the option of pausing or restarting your daily gold amounts any time you want. You also get the options of daily/weekly/monthly SIPs or one-time transactions.
4. Jeweller network - Gullak is tied with top jeweller stores like Tanishq, Malabar, Caratlane etc. Once you build your 10 gms gold savings, you can redeem it as jewellery at Gullak's 5000+ jewellery stores network. You also get the option to withdraw as cash or order gold coins to your home.
Start your gold accumulation journey today
Bhima gold scheme vs Gullak
Now that we have a deeper understanding of both, Bhima jewellers gold scheme and Gullak, let us do a side-by-side comparison of both options:
Table: Bhima gold scheme vs Gullak
| Feature | Gullak Gold+ | Bhima jewellers gold scheme |
|---|---|---|
| Minimum Contribution | ₹100/day | ₹1000/month-₹5000/month, depending on the plan |
| Gold Accumulation | Daily, weekly, or monthly accumulation | Fixed monthly installments |
| Flexibility | 100% Flexibility; pause, restart, or withdraw anytime | Low flexibility; rigid schedule |
| Lock-in Period | None | 11 months |
| Jeweller Network | 5000+ partner stores (Tanishq, Malabar, Caratlane, etc.), cash, or coins | Limited to Bhima stores |
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Bhima gold scheme vs Gullak: Which plan is for you?
Both Bhima gold scheme and Gullak cater to different needs of a buyer. However, there are key differences in how both operate:
1. Gold accumulation - Instead of buying 10 gms gold in a go, which can be a big amount to many, you can start buying gold on Gullak starting from just ₹100/day. Over time, this gold accumulates and builds 10 gms gold for you at live market prices rather than waiting for an 11-month lock-in.
2. 100% Flexibility - You get the option of pausing or restarting your daily gold amounts any time you want. You also get the options of daily/weekly/monthly SIPs or one-time transactions, with no mandatory lock-in period.
3. Jeweller network - With traditional jeweller schemes you are tied to a single brand, but Gullak is tied with top jeweller stores like Tanishq, Malabar, Caratlane etc. Once you build your 10 gms gold savings, you can redeem it as jewellery at Gullak's 5000+ jewellery stores network, order physical gold coins to your doorstep, or withdraw as cash.
Disclaimer: Investors should do their own due-diligence before choosing any financial asset
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