A piece of fine jewellery is a large purchase to make in one go. The Trimaani Gold Scheme turns it into ten small ones — with a bonus instalment from us at the end. Here is exactly how it works, with nothing hidden in the footnotes.
Ten instalments, one on us
You choose a monthly amount between ₹1,000 and ₹50,000 and a payment date. You pay that amount for ten months. On maturity, Trimaani adds an eleventh instalment as a bonus, and the whole balance is yours to redeem against any jewellery in store or online.
- Fixed monthly amount, fixed payment date
- Ten instalments from you, the eleventh from Trimaani
- Seven days’ grace on every instalment
- Pay online, by autopay, or at any Trimaani store
Gold accumulation or amount accumulation?
With gold accumulation, each instalment is converted into gold at the applicable rate on the day it lands, and your wallet grows in grams. With amount accumulation, your balance stays in rupees, and you can convert it into gold whenever the rate suits you. The contribution is the same; only what happens to it afterwards differs.
Tip: If you are saving for a specific piece and want protection from a rising rate, choose gold accumulation. If you would rather time the conversion yourself, choose amount accumulation.
What redemption looks like
When your plan matures you pick your piece, request the redemption from your gold wallet, and a Trimaani representative confirms the details with you. Your accumulated balance and the bonus are applied to the purchase; if the piece costs more, you pay only the difference.
The fine print, in the open
Every instalment, conversion and bonus is recorded in your gold wallet with the rate and date. A missed instalment does not cancel the plan — pay it within the grace period and nothing changes. The full terms are published before you enrol and never change for a plan already open.
Start with an amount you will not notice each month. Ten months later, you will notice the jewellery.