Today's Rate (11-06-2026) : 22kt - ₹13350/gm, 22kt - ₹106800 - 8gm
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Mangalya Gold Purchase Scheme

The Mangalya Gold Purchase Scheme by AGD Gold and Diamonds is a smart and secure way to save for your dream gold jewellery. Designed with flexibility and benefits in mind, this 11-month gold savings scheme allows customers to make easy payments starting from just ₹500, making it accessible for everyone.

Customers can enjoy unrestricted payments during the first 6 months, followed by structured savings in the next 5 months. Payments can be made conveniently through cash (within government limits) or online modes such as RTGS, NEFT, GPay, and more.

On maturity, members can purchase gold jewellery at the prevailing gold rate, choosing from exclusive AGD Gold and Diamonds designs with zero making charges. Additional benefits include 20% to 50% discounts on making charges for branded ornaments and diamond jewellery, helping customers save more while purchasing premium designs.

With transparent terms, attractive benefits, and trusted craftsmanship, the Mangalya Gold Purchase Scheme is the perfect way to plan your jewellery purchases with confidence and peace of mind.

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TERMS & CONDITIONS


  • The scheme is known as the Mangalya Gold Purchase Scheme.
  • The duration of this scheme is 11 months.
  • The scheme allows unrestricted payments during the first 6 months and permits payments of up to 10% of the accumulated amount each month during the following 5 months.
  • Customers can enroll in the scheme by paying a minimum amount of ₹500. The daily cash payment limit is ₹19,500 only. Payments without limits can be made through online modes such as RTGS, NEFT, PhonePe, GPay, etc., in accordance with government regulations.
  • Members of the scheme can purchase gold jewellery on the due date of the scheme at the prevailing gold rate.
  • Members of the scheme can purchase gold jewellery on the maturity date at the prevailing gold rate.
  • Charges for stones in gold jewellery, if any, will be applicable at the time of purchase.
  • GST will be applicable as per government norms.
  • The scheme accepts cash payments up to ₹2,00,000 within a period of one year, in accordance with applicable laws.
  • Mangalya enables customers to purchase from more than ten exclusive designs from AGD Gold and Diamonds without any making charges.
  • Customers can avail a 20% to 50% discount on making charges for branded ornaments and diamond jewellery.
  • Members of the Mangalya Gold Savings Scheme cannot enroll in more than one scheme offered by AGD Gold and Diamonds.
  • Registered members of the scheme cannot transfer their membership. However, members may nominate a nominee.
  • The complete address of the nominee must be provided in the application form.
  • The scheme can only be closed by the member or the nominee.
  • To close the scheme after the maturity period, members must present any valid identity proof as per KYC requirements, such as a Driving Licence, Voter ID, Passport, Ration Card, PAN Card, or any other government-issued document.
  • Under the Mangalya Scheme, no cash refund will be provided either before or after the maturity period.
  • The operation of the Mangalya Gold Savings Scheme shall be governed by prevailing government laws and regulations.
  • The management of AGD Gold and Diamonds, Kayamkulam, reserves the full authority to make final decisions regarding all matters related to the scheme.
  • If customers choose to close the Mangalya Scheme before the maturity period, they may avail gold jewellery for the accumulated amount with applicable making charges after the maturity period. No cash refund will be provided.
  • Any disputes related to the Mangalya Gold Purchase Scheme shall be subject to the jurisdiction of the courts in Kayamkulam.
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