Real gold, in grams
Each payment buys 24K gold at that day’s rate, recorded against your name.
Put aside what suits you, on the cadence that suits you. Every payment buys grams at that day’s rate, recorded in your name until you decide to collect.
Six things worth knowing before you start.
Each payment buys 24K gold at that day’s rate, recorded against your name.
Choose a piece from any partner jeweller at the JOI event or BIS-hallmarked coins. You decide at the end, not the beginning.
UPI, debit or credit card, net banking, or AutoPay — whichever suits you.
The smallest way in. No lump sum to find. Put aside what fits the month you are actually having.
Hallmarked and assay certified. Weight and purity itemised with every order.
Life changes. If you stop early, every gram you’ve collected stays in your name and goes towards jewellery.
Four steps. You can stop at any point, and the grams you already have stay yours.
Choose a daily, weekly or monthly amount. Set up AutoPay once.
Every instalment buys real 24K gold at that day’s rate, in grams, updated in your passbook.
Finish an 11-month monthly plan and we add an extra month’s gold value to your redemption.
Monthly plans onlyJewellery from any partner jeweller at the JOI event, or BIS-hallmarked 24K coins delivered home.
Every plan buys grams the same way, at the same live rate. Only the rhythm changes.
One payment a month on a date you pick. The steadiest way to build a meaningful weight of gold.
Start monthly
Smaller amounts, more often. Suits an income that arrives weekly rather than monthly.
Start weekly
A little every day. The gentlest way to start, and the easiest to keep up without noticing.
Start daily
A single payment whenever it suits you. No schedule, and no commitment to a next one.
Buy onceThat’s the monthly plan. Choose an amount to see how it works for you.
11 payments
of ₹10,000, once a month
You pay ₹1,10,000 in all
1 month
of gold, on us
Added by JOI when your plan completes
12 months
of gold to collect
As jewellery from a partner jeweller, or as coins
Each ₹10,000 payment buys
of 24KT gold at today’s live rate
Gold is priced every day, so each month buys slightly different grams. That’s why we show one payment, never a total. Every gram is recorded in your name.
Start a monthly planWhen your plan ends, you choose how to take it. Two options — it’s the same gold either way.
At the JOI event, bring your balance and choose a piece from any partner jeweller. Your gold covers the metal; making charges are shown before you commit.
Our partner jewellers. One place to choose.
24KT fine gold. Hallmarked and certified.
Can’t make the event? Take your gold as 24KT coins instead, sent to your address. Delivery charges apply.
Enter an amount to see the gold it buys at today’s live rate.
₹100 every day buys
of 24KT gold, recorded in your name
How you’d like to buy
How often
GST is included in the amount you pay. Gold is bought at the live rate when your payment goes through.
Paid now at checkout. Then every day on AutoPay.
Nothing is charged until you confirm payment.
Pick a topic to see its questions.
Yes. Plans are opened online only, on the JOI website or app.
₹100 a day, ₹500 a week or ₹5,000 a month.
No. Your instalment amount is fixed once your first payment is made.
No. You choose your partner jeweller when your plan completes, not before.
Yes. NRIs can open a plan. A minor can also save in their own name, with the plan opened and run by a parent or a court-appointed guardian.
No. PAN is optional when you sign up. You’ll add it, with your KYC documents, before your first redemption — a regulatory requirement we can’t waive.
Your nominee is the person who can claim your gold if something happens to you. Any individual can be nominated; most people choose a close family member, such as a spouse, child or parent.
