Saravana Stores Gold Scheme Review 2026
Gold investment schemes are gaining immense popularity in India, offering you a disciplined approach to saving and financial security. These schemes enable you to systematically accumulate gold over time, reaping the benefits of potential price appreciation. They provide you with a reliable method to secure your financial future amidst the growing demand for gold.
One prominent example is the Saravana Stores Gold Scheme, a well-known savings plan designed to make gold purchases more affordable. With a modest monthly contribution, this scheme allows you to invest in gold, providing a structured and accessible way for you to save.
For a comprehensive review and comparison of the Saravana Stores Gold Scheme with newer digital gold options like Gullak, read the full blog. We'll look at how the two approaches differ in terms of contribution amounts, flexibility, saving options and jewellery redemption.
How Saravana Stores Gold Scheme Works?
- Enrollment: Sign up for the Saravana Stores Gold Scheme at any Saravana Stores outlet.
- Monthly Contributions: Commit to a fixed monthly contribution, starting at ₹500, to systematically save for gold.
- Tenure: Pay instalments over a 11 month period
- Gold Purchase: At the end of the scheme period(12th month), you can use the accumulated savings to purchase gold jewellery or items from Saravana Stores at prevailing market prices.
- Payment Options: You can make payments through various methods such as cash, debit card, or online transfer.
- Additional Benefits: Schemes offer you bonuses or discounts on your jewellery
- Redemption: Redeem your accumulated savings for gold jewellery or items of your choice from Saravana Stores.
Benefits Of Saravana Gold Scheme
Saravana gold scheme comes with an incentive driven value add system. Members who want to join need to commit to either of the monthly amounts – ₹500, ₹1000, ₹2000 or ₹4000. The incentives are based on the monthly amount selected,as we'll see in the table below:
| Monthly Instalment | Total amount paid(in 11 months) | Incentive | %benefit | Value of Gold jewellery(on the 12th month) |
|---|---|---|---|---|
| ₹500 | ₹5500 | ₹500 | ~9% | 6000 |
| ₹1000 | ₹11000 | ₹1000 | ~9% | ₹12000 |
| ₹2000 | ₹22000 | ₹2000 | ~9% | ₹24000 |
| ₹4000 | ₹44000 | ₹4000 | ~9% | ₹48000 |
Saravana Stores Gold Scheme Login
Follow the below steps for Saravana Stores Gold Scheme Login:
- Navigate to the savings scheme section one Saravana Store's website
- Select you "login" option
- Enter your credentials to login
Comparison: Saravana Gold scheme vs Gullak Gold+
Before we dive into the comparison, let's understand how gold accumulation on Gullak works.
Gullak lets you build your gold savings gradually instead of requiring you to purchase a large amount of gold at once. You can start accumulating gold from just ₹100/day and choose between daily, weekly or monthly SIPs, or make a one-time transaction.
The platform also gives you 100% flexibility to pause or restart your contributions whenever you want. As your gold savings build up, you can use them towards future goals such as weddings, gifting or family milestones, including jewellery redemption through Gullak's network of 5,000+ jewellery stores.
Start Building Gold from Just ₹100/Day
Gullak gives you flexibility in how you accumulate gold. You can choose daily, weekly or monthly SIPs, or make one-time transactions based on your needs. You can also pause or restart your contributions whenever you want, allowing you to adjust your gold-saving plan as your circumstances change.
Once you've built your gold savings, you can explore available redemption options, including jewellery through Gullak's network of 5,000+ jewellery stores.
With this understanding of Gullak Gold+, let’s now compare it with the Thangamayil Jewellery Gold Scheme in the table below.
Table- Saravana stores gold scheme vs Gullak
| Feature | Gullak | Saravana Stores Legend Scheme |
|---|---|---|
| Minimum Contribution | ₹150/day | ₹500/month |
| Flexibility | High | Low-Moderate |
| Lock-in Period | None | 11 months |
| Investment Options | SIP, One-time | Monthly advances |
Get more Benefits & Unlimited Flexibility
Conclusion: Is Saravana Stores Gold Scheme Right For You?
Both Saravana Stores Gold Scheme and Gullak stand out as excellent options as gold schemes. However, from the returns perspective, you get higher returns with Gullak , which aren’t available with other gold assets. The choice ultimately lies on you as an investor. Make sure to do your due diligence before choosing any gold scheme.
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