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  • today's rate
    Gold 22k 1g Rs. 2,796.00
    Tamil Nadu

    Gold - 24k - 1g Rs. 2,992.00

    Gold - 18k - 1g Rs. 2,288.00

    Silver - 1g Rs. 45.50

    Platinum - 1g Rs. 3,662.00

    Karnataka

    Gold - 24k - 1g Rs. 3,020.00

    Gold - 22k - 1g Rs. 2,796.00

    Silver - 1g Rs. 43.70

    Platinum - 1g Rs. 3,662.00

    Andhra Pradesh

    Gold - 24k - 1g Rs. 3,048.00

    Gold - 22k - 1g Rs. 2,796.00

    Silver - 1g Rs. 43.70

    Platinum - 1g Rs. 3,662.00

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  • Tamil Nadu
  • Gold - 24k - 1g Rs. 2,992.00
  • Gold - 22k - 1g Rs. 2,796.00
  • Gold - 18k - 1g Rs. 2,288.00
  • Silver - 1g Rs. 45.50
  • Platinum - 1g Rs. 3,662.00
  • Karnataka
  • Gold - 24k - 1g Rs. 3,020.00
  • Silver - 1g Rs. 43.70
  • Platinum - 1g Rs. 3,662.00
  • Andhra Pradesh
  • Gold - 24k - 1g Rs. 3,048.00
  • Silver - 1g Rs. 43.70
  • Platinum - 1g Rs. 3,662.00

Flexi Gold Plan

GRT Flexi Gold PlanGold is the most precious investment in life. When you choose a jewellery saving plan, you have a special occasion in mind, or make an investment for the future. Only during maturity you know which benefits are best for you.

GRT understands your needs perfectly. We bring you a unique Flexi Gold Plan with two smart options - your monthly payment will be captured on the basis of the weight of gold at the price on the date of payment or value (Rupees) of your monthly investment. You can pay in instalments of Rs.1000 or multiples of Rs.1000 every month, for a period of 15 months. At the time of maturity, you get the freedom to choose the best redemption benefits.


Flexi Gold Plan Redemption Options

Gold Weight Based Plan

  • For every monthly instalment, gold is creditd to your account at the prevailing rate. When you purchase jewellery upon maturity, you enjoy special benefits, as below:
    • No wastage (VA) and No Making Charges on accumulated weight (upto 18%*)
    • No VAT (VAT will be borne by GRT)

How It Works?

Gold Weight accumulated 35 gms 35 gms 35 gms 35 gms
Plain gold jewellery selected 35 gms 50 gms 50 gms 50 gms
Difference in Weight NIL 15 gms 15 gms 15 gms
Actual jewellery wastage 18% 18% 12% 22%
Customer's Eligibility 18% 18% 18% 18%
Difference in Wastage (VA) to
be paid by Customer
NIL 18% on
15 gms
12% on
15 gms
4% on 35 gms +
22% on 15 gms
Making Charges NIL NIL NIL NIL
VAT * (Upto weight accumulated) NIL NIL NIL NIL

Gold Value Based Plan

  • During maturity (16th month) you can purchase jewellery for the Total amount + One month Bonus amount. No Making Charges * (except for special items)
  • No VAT (VAT will be borne by GRT)
  • Value Addition (wastage) will be charged, according to the jewellery you choose..
  • You can choose a special cash incentive / gift article from many options , at the end of the 15th month.

The Accurued Amount For The Various Schemes

Scheme for 15 months (Rs.) Total Amount(Rs.) Cash Incentive / Gift Article (Rs.) Value of jewellery you can purchase on maturity (16 months) (Rs.) Total (Rs.)
1000 15,000 400 16,000 16,400
2000 30,000 800 32,000 32,800
5,000 75,000 2000 80,000 82,000
10,000 1,50,000 4,000 1,60,000 1,64,000


* Please refer terms & conditions. * VAT borne by GRT.
* Exceeding accumulated weight, VAT will be charged.

Please refer terms & condition. If you have any queries read our FAQs
Download Application Form


Payment Option

Now payment can be made Online using your credit/Debit cards . Pay Now and also by Cash / DD / Money Order / Electronic Clearing System (ECS) / Post Dated Cheques (PDC) / At Par Cheques / Local Cheques / any ICICI Bank Branch (Cash or at par cheques) at our branches . Monthly instalments should be paid on or before the 10th of every month.

Pay your monthly installments