⮝ Today's Rate (06-02-2026) : 22kt - ₹14090/gm, 22kt - ₹112720 - 8gm
  • INDIA | UAE

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 flexibily and benefits in mind this 11 month gold savings scheme allows customers to make easy payments starting from just Rs.500, making ts 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 diamond designs with zero making charges. Additional benefts include 20% to 50% discounts on making charges for branded ornaments and diamond jewellery, helping you save more while buying premium designs.

With transparent terms, attractive benefits and trusted crafstmanship 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 Mangalya Gold Purchase Scheme.
  • Duration of this scheme is 11 months.
  • The scheme allows unrestricted payments for the first 6 months and 10% of the accumulated amount each month for a period of 5 months.
  • Customers can enroll in the scheme by paying a minimum of Rs. 500. Per day payment limit is up to Rs. 19500 only. Payment without limits can be made through online (RTGS, NEFT, PhonePay, Gpay etc.) according to government laws.
  • Members of the scheme can purchase gold jewellery on the due date of the scheme at the prevailing gold rate.
  • The charges of the stones in Gold Jewellery, if any, will be applicable at the time of purchase.
  • GST will be applicable.
  • The scheme only accepts Rs.200,000 in cash for a period of 1 year.
  • Mangalya enables you to buy more than ten designs of AGD Gold and Diamonds, without any making charges.
  • You can get 20% to 50% discount on making charges of branded ornaments and diamond jewellery.
  • Members of the Mangalya Gold Savings Scheme cannot enroll in more than one scheme of AGD Gold and Diamonds.
  • Registered members of the scheme cannot transfer their membership. Members can choose their nominee.
  • The full address of the nominee should be provided in the application form.
  • The scheme can only be closed by the members or their nominees.
  • To close the scheme after the maturity period, members should present any of the identity proofs as per the KYC as mentioned below: Driving License/Voter ID/Passport/Ration Card/PAN Card/any other document issued by the Government.
  • In the Mangalya scheme, there will not be any refund in cash before or after the maturity period.
  • The working of the Mangalya Gold Savings Scheme will be based on the prevailing government laws.
  • The full authority to make final decisions on all matters related to the scheme lies with the management of AGD Gold and Diamonds, Kayamkulam.
  • If customers choose to close the Mangalya scheme before the maturity period, they can avail gold with prevailing making charges for the accumulated amount after the maturity period. There will not be any refund in cash.
  • Any disputes related to the Mangalya Gold Purchase Scheme will be limited to jurisdiction of courts of Kayamkulam.
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