Gold Buying Plans
Make your gold dreams a reality
Whether you're planning for a wedding, a festive occasion, or just investing for the future — Muliya's Gold Buying Plans help you accumulate gold in a smart, transparent, and rewarding way.
Plan 1:
Muliya jewel SAP (JSAP)
Your Monthly Jewellery Savings Plan
Overview:
An easy installment plan that allows you to save monthly and receive bonus benefits at the end of the term.
Best For
Wedding shoppers, gifting, long-term jewellery planning
Plan Highlights:
Plan 2:
Partner in progress (PIP)
A Loyalty-Based One-Time Investment Plan
Overview:
Perfect for customers making high-value purchases. Invest once, and earn guaranteed returns in gold.
Best For
Bulk buyers, high-value investors, loyal customers
Plan Highlights:
Compare the Plans
| Feature | Jewel SAP (JSAP) | PIP (Partner in Progress) |
|---|---|---|
| Type of Plan | Monthly Installments | One-Time Investment |
| Minimum Contribution | ₹1,000/month | ₹1,00,000 |
| Duration | 12 months | 12 months |
| Maturity Benefit | 50% bonus on one installment | 25-50% off on VA |
| Redemption | Jewellery purchase | Gold or purchase discount |
| Ideal For | Planned buyers & families | Bulk buyers & investors |
Start Your Gold Journey Today
Join thousands of families who trust Muliya for their gold investments. Choose a plan that suits your needs and start building your future.
Frequently Asked Questions
How do I join the Jewel SAP plan?
You can join by visiting any Muliya showroom or registering online through our JSAP portal. Start with as little as ₹1,000 per month.
Can I change my monthly installment amount in JSAP?
Yes, you can increase your installment amount after completing the first 3 months. The minimum increase is ₹500.
What happens if I miss a monthly payment?
Your plan remains active for up to 30 days after a missed payment. You can make up the missed payment within this grace period.
How is the bonus calculated in JSAP?
At maturity, you receive 50% of one month's installment as a bonus. For example, if you save ₹5,000/month, your bonus is ₹2,500.
Can I redeem my PIP investment before 12 months?
Yes, PIP offers flexibility with 6-month and 12-month tenures. Early redemption is available with adjusted benefits.
What is VA (Value Addition) discount?
VA refers to making charges on jewellery. PIP members get 25-50% discount on these charges when redeeming their investment.