Lalitha Jewellery Gold scheme review

Q: Is it safe to invest in Gullak Gold+?

Investing in Gullak Gold+ is a 100% safe. The Gullak app secures your investments with 100% collateral on them for utmost safety. Gullak app has also on boarded some of the biggest players in the market for gold investments: RSBL: India’s biggest bullion player, with an annual turnover of ₹25,000 Cr+ & 15+ years of experience in the market Augmont: One of the largest Gold refineries in India who supply Gold to 5000+ jewellers including large ones like Kalyan & Caratlane. They are NABL and BIS accredited and a member of India Good Delivery standard on NSE, BSE and MCX.

Q: What is the 11 month scheme of Lalitha Jewellery?

Lalitha gold scheme is a 11 month gold scheme 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.

Q: Is Lalitha jewellery gold pure or not?

Lalitha Jewellers mainly sell 22K jewellery which is of 916 purity & is BIS hallmarked

By Team Gullak

Jul 29, 2025

4 min read

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 Gold+

Gullak Gold+ is an innovative Gold investment scheme which allows you to benefit from gold quantity increase along with gold price increase. With Gold+, your gold quantity increases by 5% every year. So, 100 gms invested in Gullak Gold+ becomes 105 gms in 1 year & 148 gms in 8 years, which is a 50% increase in Gold quantity!

Only Scheme where Gold Quantity increases by 5%pa

Explore Gullak Gold+

Lalitha Jewellery Gold Scheme Review & comparison

Here’s how the gold scheme in lalitha jewellery(11 month plan) compares to Gullak Gold+:

Table: Lalitha Jewellery Gold Scheme vs Gullak Gold+

Parameter	Lalitha Jewellery	Gullak Gold+
Definition	Systematic payments for 11 months. The savings is used at the end of the tenure to buy gold jewellery.	Scheme that allows you to grow your gold quantity by 5% every year along with all the other benefits of gold investments
Investment period	Payments to be made for 11 months, gold is bought at the end of 11 months	You can set up SIPs & gold is bought at your desired frequency.
Lockin	11 months	none
Withdraw options	Gold jewellery	Cash or gold coins or redeem jewellery at partner stores like Caratlane by Tanishq
Benefits	Discounts on making charges	Extra gold every year, If redeeming jewellery get flat 5% off on gold price.

Get Higher returns, more Benefits & Unlimited Flexibility

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Conclusion: Lalitha Jewellery Gold Scheme

In conclusion, the Lalitha Jewellery Gold Scheme presents a beneficial and profitable investment option. However, investing in Gullak Gold+ offers superior flexibility, extra gold and easy digital access. Unlike traditional schemes, Gullak Gold+ 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.

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