Save monthly. Redeem beautifully.
Build your jewellery budget month by month and redeem the accumulated value towards eligible gold or diamond jewellery with a bonus benefit after successful completion.
See your expected redemption value.
Choose a monthly instalment. The calculator uses the current CHD plan structure shown on this page.
Illustrative plan value only. Final jewellery billing depends on the applicable rate on delivery, making/value addition, stones/diamonds and GST. Scheme terms apply.
Simple plans. Clear redemption value.
Choose a monthly amount that fits comfortably into your jewellery budget.
₹3,000 / month
₹5,000 / month
₹8,000 / month
₹10,000 / month
Swipe to compare plan options →
From monthly saving to jewellery redemption.
Choose Your Plan
Select your preferred monthly instalment and complete enrolment with valid ID proof.
Pay Every Month
Pay each instalment on or before the due date stated in the scheme terms.
Complete the Plan
After successful completion, the applicable bonus benefit is added as per the plan policy.
Redeem Jewellery
Use the redemption value towards eligible gold or diamond jewellery at CHD.
What does a ₹5,000 monthly plan look like?
Here is the plan math before jewellery-specific making, stones, diamonds and applicable GST.
Useful when you already know jewellery is in your future.
Wedding Jewellery
Build a jewellery budget gradually for bridal or family wedding purchases.
Festivals
Plan ahead for jewellery purchases around festive occasions.
Gold & Diamonds
Redeem towards eligible gold or diamond jewellery after completion.
Family Gifting
Set aside a monthly amount for meaningful future jewellery gifts.
Know the plan before you enrol.
The highlights below are based on CHD’s currently published scheme terms.
When can I redeem the plan?
What happens if an instalment is missed?
Can I take cash instead of jewellery?
Can I buy gold coins through the plan?
What happens if I close the plan early?
Please read before joining.
Scheme Terms & Conditions
- Jewellery is billed at the applicable rate on the date of delivery.
- No cash refund is allowed.
- Gold coins cannot be purchased through the scheme.
- Monthly instalments must be paid on or before the 10th of every month; each default extends the scheme by one month.
- Gold / diamond jewellery may be redeemed in the 13th month after successful completion without defaults.
- Payments are accepted as per CHD’s published payment modes; cheque-bounce charges apply where relevant.
- Value addition / wastage / making and stones are charged according to the selected jewellery.
- GST is extra as applicable.
- No bonus is available on pre-closure.
- Membership passbook / receipts must be preserved and submitted for redemption or premature closure verification.
- Bonus becomes available after successful completion as per the current scheme policy.
- Redemption should be completed within the period stated in the scheme terms.
- Please read all conditions carefully and seek clarification from CHD before enrolling.
A future jewellery purchase can start with one monthly instalment.
Speak with CHD to choose a suitable plan, understand the terms clearly and complete enrolment.