Lalitha Jewellery Gold scheme review 2026
What is Lalitha Jewellery Gold Scheme?
Lalitha Gold schemes are 11 month gold schemes which allows you to make systematic payments during the tenure. After the 11 month period, you can buy gold jewellery with the accumulated amount and claim discounts on making charges on jewellery purchase.
Lalitha Jewellery Gold Scheme Details
There are 2 types of Lalitha Gold schemes:
- Lalitha Eleven Month Plan: Start with any of these instalment options – Rs.1000 / Rs.1500 / Rs.2000 / Rs.2500 / Rs.5000 / Rs.10000. Once the 11 months are over, you can claim gold jewellery of your choice. Users can choose from either weight-based calculation or rupee-based calculation. As an added benefit, users get 50% bonus on one month's instalment amount during the time of jewellery purchase.
- Lalitha Jewellery pre-book scheme: This Lalitha Jewellery Gold Scheme allows 2 options for investment - either you exchange old jewellery for new at no extra cost or make a one-time payment to take home the jewellery of your choice. Users do not need to pay any VA on the new gold jewellery if they opt new purchase after 11 months. In case of diamond jewellery, after 11 months from enrolment, users are eligible for 50% less on VA and ₹1000 off per carat
Which Gold scheme is Best in Lalitha Jewellery?
If you want to accumulate savings for a future gold purchase, the Eleven Month Plan would be ideal for you. If you want to exchange an old jewellery, the jewellery pre book scheme is more beneficial. In terms of benefits, with the Jewellery pre-book scheme if you choose new purchase after 11 months, you do not need to pay any VA on the jewellery.
Does Lalitha Jewellery buy Old Gold?
Yes, Lalitha Jewellery does buy old jewellery under the Jewellery pre-book scheme. You can exchange old jewellery and get new jewellery with the amount without paying any VA charges on the new ornament.
How does Lalitha Jewellery Gold Scheme work?
- Enrolment: You can enrol in the Lalitha Gold Scheme by visiting any Lalitha Jewellery outlet. Then, you need to fill out an application form and start making monthly payments. Alternatively, you can fill out the form online & start your investments.
- Accumulation: The monthly instalments accumulate over the scheme period(in case of accumulation scheme).
- Redemption: At the end of the scheme tenure, you can redeem your accumulated savings to purchase gold jewellery from Lalitha Jewellery's collection.
How to Make Lalitha Jewellery Gold Scheme Online Payment?
Lalitha Jewellery Gold Scheme facilitates online payments through its official website or mobile app. You can make payments using credit/debit cards, net banking, or UPI.
Alternative Gold scheme option- Gullak
While traditional showroom plans require strict commitments to a single brand, Gullak provides a modern, convenient alternative to save in 24K pure gold on your own terms.
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, with zero lock-in periods.
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!
Start your gold accumulation journey today
Lalitha Jewellery Gold Scheme Review & comparison
Here’s how the gold scheme in lalitha jewellery(11 month plan) compares to Gullak:
Table: Lalitha Jewellery Gold Scheme vs Gullak
| Parameter | Lalitha Jewellery | Gullak |
|---|---|---|
| Definition | Systematic monthly advances for 11 months to purchase showroom jewellery | A flexible digital platform to accumulate 24K pure gold systematically |
| Minimum Investment | Starts from ₹1,000/month | Starts from just ₹100/day |
| Investment period | Fixed advances for 11 months | Flexible automated daily/weekly/monthly SIPs or one-time deposits |
| Lock-in Period | 11 months | Zero lock-in; pause, resume, or withdraw anytime |
| Withdraw options | Gold jewellery redeemable only at Lalitha Jewellery | Redeem jewellery across 5,000+ partner stores, order coins home, or withdraw cash |
| Benefits | Discounts on making charges & bonus benefits | Pure 24K gold accumulation at live market rates with zero lock-in |
Save in gold with complete freedom and zero lock
Conclusion: Lalitha Jewellery Gold Scheme
In conclusion, the Lalitha Jewellery Gold Scheme presents a beneficial and profitable investment option. However, investing in Gullak offers superior flexibility, extra gold and easy digital access. Unlike traditional schemes, Gullak ensures transparency and convenience, allowing investors to buy, sell, and manage their gold seamlessly. That being said, investors should do their due diligence before investing in any gold scheme.
Disclaimer: Investors should do their own due-diligence before choosing any financial asset
Recommended
🚨 Biggest Deal-Breaker when buying jewellery?
Making charges! Get our free brochure comparing Making Charges
