Joyalukkas Gold Scheme Review 2026

By Team Gullak

Last updated : Oct 1, 2026

5 min read

The Joyalukkas Easy Gold Scheme is a gold savings plan designed to help customers accumulate gold over time by making fixed monthly payments.

Joyalukkas gold scheme details: You pay monthly amounts starting from 1000/month to Joyalukkas for 10 months. At the end of the 10th month, you can buy any Gold, Silver or Diamond jewellery, gold coins & bars from them & claim discounts on making charges. This scheme is particularly useful for individuals planning to purchase gold jewellery for future occasions like weddings or festivals.

Joyalukkas Gold Scheme Details & Benefits

The Easy Gold scheme comes with the below benefits:

Monthly Payments: Under the Joyalukkas easy Gold Scheme, investors make monthly deposits, typically over a period of 10 months, to save towards a jewellery purchase.

Jewellery Purchase: The accumulated savings can be redeemed to buy gold jewellery from Joyalukkas stores. The Joyalukkas Easy Gold Scheme is ideal for those looking to buy jewellery rather than raw gold or coins.

Discounts on Making Charges: One of the key attractions of the Joyalukkas Gold Scheme is the discount on making charges when purchasing jewellery, reducing the total cost.

Joyalukkas Gold Scheme with example

Let's try to understand how your monthly advances will look like over time with this Gold scheme:

Table: Joyalukkas Gold Scheme Details

Joyalukkas Gold Scheme: Registration steps

Below are the steps to register into Joyalukkas Gold Scheme via online portal:

Below are the steps to register into Joyalukkas Gold Scheme via offline stores:

Joyalukkas Gold Scheme login steps

Use the below steps for Joyalukkas gold scheme login:

How to pay Joyalukkas Gold scheme online

For Joyalukkas Gold Scheme payment:

That's all you need to do to make your payment in Gold scheme Joyalukkas.

Gullak Overview

Unlike traditional jeweller installment schemes that tie your money to a single showroom and rigid payment cycles, Gullak provides a flexible, accessible way to accumulate pure 24K gold on your own terms. Instead of requiring large monthly commitments, Gullak lets you build your gold reserves gradually and stay completely liquid.

Here’s how Gullak compares to the Joyalukkas easy Gold Scheme:

Both the Joyalukkas Gold Scheme and Gullak serve people saving for gold, but they operate on very different models. Below is a look at what sets saving with Gullak apart:

Gold accumulation: Instead of committing to fixed monthly showroom installments, you can build your gold holdings on Gullak starting from just ₹100/day. Over time, these small daily additions systematically accumulate into full grams of pure gold.

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, or monthly SIPs or one-time transactions, with zero lock-in rules so you can withdraw whenever you need.

Jeweller network: While Joyalukkas restricts your final purchase solely to their own retail outlets, Gullak is partnered with top jewellery brands like Tanishq, Malabar, and CaratLane across a network of 5,000+ stores. Once your gold target is accumulated, you can redeem it for jewellery, order pure gold coins delivered home, or cash out instantly.

Which Gold Investment is Best for You?

Choosing between the Joyalukkas monthly Gold Scheme and Gullak depends entirely on your saving habits and end goals. If you regularly shop at Joyalukkas showrooms and want to lock in their specific making charge discounts over a set 10-month plan, their scheme can be a suitable match.

However, if you want complete liquidity, freedom from fixed monthly deadlines, and zero lock-in periods, Gullak provides a far more practical path. The freedom to accumulate gold daily starting at ₹100, pause whenever needed, and redeem across 5,000+ jewellery partner stores or withdraw as cash gives you complete control over your money.

Conclusion: Is Joyalukkas gold Scheme good?

The Joyalukkas monthly Gold Scheme remains a familiar option for individuals preparing for a specific jewellery purchase at their showrooms. However, if your priority is maintaining financial flexibility without mandatory tenures or single-store restrictions, Gullak offers a modern accumulation model that lets you save systematically, pause whenever you need, and redeem across major national jewellers with ease.

Disclaimer: Investors should do their own due-diligence before choosing any financial asset

Also read: Joyalukkas Making Charges

Also read: Gold scheme in Joyalukkas vs other jewellers

Also read: Malabar Gold scheme