Our Savings Schemes
Average Rate Jewellery Advance
- Flexible advances (up to 15 in 10 months) Gold rate booked at every installment payment
- Jewellery purchase only (22KT / 18KT / 14KT)
- Buy at average gold rate
- 50% off on making charges of jewellery worth advance amount
Shatabdi Suvarṇa Sanchay Yojana
- Fixed for 10 months (1 payment per month)
- Purchase 22KT / 18KT / 14KT only
- Maturity benefit: 100% making charges waived at maturity
Diamond Jewellery Advance
- Diamond jewellery only
- Fixed 10-month plan
- Maturity benefit: 150% of one monthly advance as discount
Bullion Advance Order
- Fixed for 10 months (1 payment per month)
- Purchase 22KT / 24KT bullion only
- Maturity benefit: 50% of one monthly advance as discount
What is the Average Rate Jewellery Advance Order?
The Average Rate Jewellery Advance Order is a monthly advance payment plan designed for customers who want to purchase gold or diamond jewellery while reducing the impact of gold price fluctuations.
Under this order, customers pay advances over a period of 10 months. At maturity, jewellery is purchased at the average gold rate calculated from all advances paid during the scheme, along with a discount on making charges.
Eligible Jewellery:
22KT jewellery- 18KT jewellery
- 14KT jewellery
Bullion or pure gold ornaments are
not permitted under this scheme
Pay less than the market price
Your jewellery is purchased at the average gold rate across all your advances, often giving you a rate lower than what the market shows at the time of purchase.
Flexible monthly advances
Pay up to 5× your first advance in any month when you have surplus funds.
Double savings at maturity
Buy at the average gold rate plus get 50% off on making charges.
Trusted of 100 years of legacy
Backed by Dande Gold and diamonds century of legacy.
Ideal for Major Occasions
An ideal savings option for upcoming weddings and other memorable celebrations.
Available at all Showrooms
Enroll easily at any of our showrooms at the time of purchase.
How Does the Scheme Work?
Choose Your First Advance Amount
- Minimum monthly advance: ₹2,000
- The first advance decides the minimum amount for future months
10 Monthly Advances
- At least one advance must be paid every month
- In any month, you may pay up to 5 times your first advance amount.
- Maximum 15 advances can be paid in 10 months.
- Each advance is converted into gold weight based on the gold rate of that day.
Making Charges Discount
- On Maturity (10 months): 50% making charges discount
- 6 to 10 months: 20% making charges discount
What is the Average Rate Benefit?
Instead of buying jewellery at the gold rate of a single day, your final purchase rate is the average of all monthly rates at which you paid advances. This helps balance market ups and downs. Along with a discount on making charge as follows:
| Duration Completed | Making Charges Discount |
|---|---|
| On Maturity (10 months) | 50% |
| 6 to 10 months | 20% |
What is the Shatabdi Suvarṇa Sanchay Yojana?
The Shatabdi Suvarna Sanchay Yojana is a monthly advance payment plan for customers who wish to purchase gold or diamond jewellery while reducing the impact of gold price fluctuations.
Advances are paid over 10 months. At maturity, jewellery is purchased at the average gold rate of all advances made during the scheme. In our centenary year, this plan also carries the most generous making charges discount we have ever extended.
Eligible Jewellery:
- 22KT jewellery
- 18KT jewellery
- 14KT jewellery
- Bullion or pure gold ornaments are not permitted under this scheme
Average Rate Benefit
Your jewellery is purchased at the average gold rate across all advances — not the rate of any single day — naturally smoothing market movements in your favour.
Simple, Structured Saving
One fixed advance, paid once a month, over ten months. No decisions to revisit each month — just a steady, uncomplicated commitment toward the jewellery you have in mind.
100% Making Charges Waived
At maturity, the full making charges on your jewellery are waived — a discount extended for the first time in our hundred-year history.
A Hundred Years of Trust
Dande Gold & Diamonds has served families since 1927. This scheme reflects the values we have held for a century.
Plan Ahead with Confidence
Ideal for weddings, engagements, and milestones. Begin your advance today and arrive at the occasion with your jewellery — and your savings — secured.
Available in all Showrooms
Enrol and redeem at any Dande Gold & Diamonds showroom across Nashik, Sinnar, and Sangamner.
How Does the Scheme Work?
Choose Your First Advance Amount
- Minimum monthly advance: ₹12,000
- Paid in multiples of ₹1,000 thereafter
- Your first advance sets the minimum for all subsequent months
10 Monthly Advances
- Exactly one advance to be paid each month
- Each advance is converted into gold weight based on the gold rate of that day
Making Charges Discount
- On completion of ten months: 100% of making charges waived
- Six to ten months completed: 50% making charges discount
What is the Average Rate Benefit?
Instead of buying jewellery at the gold rate of a single day, your final purchase rate is the average of all monthly rates at which you paid advances. This helps balance market ups and downs. In the centenary year, this benefit is further enhanced by the making charges discount:
| Duration Completed | Making Charges Discount |
|---|---|
| On Maturity (10 months) | 100% |
| 6 to 10 months | 50% |
What is the Diamond Jewellery Advance Order?
The Diamond Jewellery Advance Order is a structured monthly advance payment plan that helps customer's plan and purchase diamond jewellery over a fixed period of 10 months.
Customers pay a fixed monthly advance and, on completion of the scheme, receive a guaranteed discount benefit on their total paid amount. This benefit is applied at the time of purchasing diamond jewellery.
Eligible Jewellery:
- Free Diamond jewellery
- Solitaire pendants & earrings
150% of Monthly Advance as a Guaranteed Discount
Get exclusive discount at the time of purchase!
Complete Transparency, Zero Gusswork
You know from day 1 exactly how much discount you get at the time of purchase.
Exclusively for Diamond Jewellery
All deposits goes towards a dedicated diamond jewellery purchase, keeping your goal focused and your reward meaningful.
Trusted of 100 years of legacy
Backed by Dande Gold and diamonds century of legacy.
Ideal for Major Occasions
An ideal savings option for upcoming weddings and other memorable celebrations.
Available at all Showrooms
Enroll easily at any of our showrooms at the time of purchase.
How Does the Scheme Work?
Choose Your First Advance Amount
- Minimum advance amount is ₹3,000/month
- Advances are fixed for the 10-month period
- Only one advance per month is permitted
Monthly Payment Rules
- Each advance is used to calculate the maturity amount
- One advance per month for 10 months only
- No changes to monthly amount once enrolled
Purchase at Maturity
- After all 10 advances, receive 150% discount benefit
- Discount applied on diamond jewellery purchase
- Valid only for diamond jewellery categories
What is the Discount Benefit?
150% of Monthly Advance as a Guaranteed Discount
What is the Bullion Advance Order?
The Bullion Advance Order is a structured monthly payment plan that allows customers to gradually pay for gold bullion (24KT or 22KT only) over a fixed period of 10 months. At the end of the scheme, the customer receives a discount based on the total amount paid.
How Does the Scheme Work?
Choose a Monthly Advance Amount
- Minimum advance of ₹2,000 per month
- Fixed monthly amount for entire 10-month period
- Only 22KT / 24KT gold bullion can be purchased
Pay for 10 Fixed Months
- One payment per month for exactly 10 months
- Bullion rate will be the prevailing market rate
- Scheme valid only for bullion purchase at maturity
Maturity and Purchase
- Use accumulated amount to purchase bullion
- Receive 50% of one monthly advance as discount
- Discount applied on the final purchase invoice