KR THANGA MAALIGAI

KRT DIGI GOLD

Smart Digital Gold Savings

START FROM ₹200
SAVING PERIOD 450 Days
BENEFIT Gold Bonus
PLEASE READ CAREFULLY

Terms & Conditions

Important information regarding your KRT Digi Gold savings, bonus, tenure and redemption.

1

Start Your Digi Gold Savings

Customers can start saving in KRT Digi Gold from just ₹200.

  • Minimum starting investment is ₹200.
  • Multiple payments can be made in a day.
  • Customers can save daily, weekly or whenever convenient.
  • There is no maximum investment limit.
  • Payment mode is UPI.
2

Gold Bonus Plan

Bonus gold is provided according to the applicable phase of the scheme.

Phase Days Bonus ₹50,000 Example Rate Bonus
1st 1–120 5% ₹2,500 Gold ₹100
2nd 121–240 3.75% ₹1,875 Gold ₹75
3rd 241–360 2% ₹1,000 Gold ₹50
4th 361–450 0.75% ₹375 Gold ₹25
Bonus applies only when the plan is held for the full 480 days.
3

Plan Tenure & Payment

Saving Period 450 Days
Redemption Period 30 Days

The scheme consists of 450 days of savings followed by 30 days for redemption.

4

Redemption Rules

  • Redemption is permitted only after 480 days.
  • Only full redemption is permitted. Partial redemption is not available.
  • Redemption must be made at KR Thanga Maaligai, Ramanathapuram.
  • The plan can be redeemed towards jewellery or gold coins.
  • Custom jewellery is not permitted under this plan.
  • GST, wastage and applicable charges apply at the time of redemption.
5

Important Terms & Notes

  • Valid ID proof is required for enrolment and redemption.
  • No cash refund will be provided.
  • Scheme ownership is non-transferable.
  • The company may change the terms at its discretion.
  • PAN card Xerox must be submitted at the time of purchase if the purchase value exceeds ₹1,99,000, as per government norms.
  • All disputes are subject to Ramanathapuram jurisdiction.
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