Khazana Gold Scheme complete review 2026
Gold investment has long been a trusted and popular choice in India. The Khazana Gold Scheme offers an affordable way to buy gold to Indian households. In this blog, we will explore the Khazana Gold Scheme, delve into its features, the benefits of the scheme and compare it against other gold schemes like Gullak.
What is Khazana Gold Scheme?
The Golden Flexi Plan by Khazana Gold Scheme streamlines the process of gold jewellery buying. This plan allows you to purchase gold jewellery for weddings and special occasions. With plans starting from ₹1000, you can join and choose your favourite designs within 11 months of enrolment.
How does Khazana Gold Scheme work?
Below are the khazana Gold Scheme details:
- You have to pay a monthly advance continuously for 11 months.
- After completing the scheme period, you can purchase gold jewellery.
- While the maturity of this scheme, you can benefit from discounts on making & wastage charges on your jewellery purchase.
Benefits of Khazana Gold Scheme
- Flexible Payments: Spread out payments over time to reduce financial burden using flexible payments.
- Discounts: You can avail discounts on making & wastage charges when claiming the jewellery of your choice.
How to pay Khazana scheme online?
For khazana gold scheme online payment via the website:
- Navigate to the Khazana Jewellery's Golden Flexi plan page
- Scroll down & click on "Click to Pay online Payment"(assuming you already have
- You can make your payments using credit/debit cards, NEFT/RTGS, UPI transfers
If you're using the app for Khazana gold scheme online payment, follow the steps below:
- Download the Khazana mobile app
- Select "Pay Due"
- Select "Click Pay" on the next page
- Select the instalment due
- Choose the payment method & make the transaction
Khazana Golden Dreams Scheme
Khazana Golden Dream Scheme is a scheme where you pre-book a jewellery in advance. Upon choosing the jewellery, they'd freeze the price of the ornament. You can claim the jewellery after 11 months without any VA charges upto 18%.
What is Gullak & how does it compare against the Khazana jewellery gold scheme?
Gullak is a digital gold savings platform designed to make building gold reserves effortless, affordable, and flexible:
Gold accumulation: Instead of buying 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 gold for you.
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.
Jeweller network: Gullak is tied with top jeweller stores like Tanishq, Malabar, Caratlane etc. Once you build your gold savings, you can redeem it as jewellery at Gullak's 5000+ jewellery stores network, order 24K pure coins home, or withdraw as cash.
Table: Gullak vs Khazana Gold scheme
| Feature | Khazana Gold Scheme | Gullak |
|---|---|---|
| Definition | Systematic monthly advances for 11 months to purchase showroom jewellery | A flexible digital platform to accumulate 24K pure gold systematically |
| Minimum Investment | ₹1000/month | ₹100/day |
| Lock-in Period | Lock-in period of 11 months | No lock-in period; withdraw or redeem anytime |
| Benefits | Discounts on making and wastage charges | Accumulate pure gold at live rates with zero making charges during accumulation |
| Flexibility | Fixed monthly payments with strict deadlines | 100% Flexibility: pause, adjust, or resume anytime |
| Redemption Options | Restricted solely to Khazana Jewellery stores | 5,000+ partner stores (Tanishq, Malabar, CaratLane, etc.), physical coins, or cash |
Start your gold accumulation journey today
Which Gold Scheme should you choose?
Multiple gold schemes like the Khazana Gold Scheme encourage systematic savings for jewellery purchases. However, these traditional showroom schemes come with notable limitations if you value liquidity and choice. They typically enforce an 11-month lock-in, disallow skipping or adjusting installment amounts without penalty, and restrict your redemption strictly to a single jeweller. Moreover, because monthly contributions are often held as cash advances until the end of the term, you miss out on real-time price averaging as gold rates rise.
In contrast, Gullak offers an adaptable and modern accumulation alternative. You can start building your gold reserves from just ₹100/day, retain 100% flexibility to pause or resume whenever you need, and enjoy complete freedom to redeem across an extensive network of 5,000+ jewellery partner stores, order pure coins, or withdraw directly as cash.
Note- Investors should do their due diligence before choosing any investment scheme.
Disclaimer: Investors should do their own due-diligence before choosing any financial asset
Also Read: Malabar gold scheme
Also Read: Tanishq gold scheme
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