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.
Choose from two convenient schemes:
Jewel SAP
Save monthly and enjoy bonus benefits
PIP (Partner in Progress)
One-time investment with attractive gold returns
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:
- Save ₹1,000 or more per month
- Plan Duration: 12 months (364 days)
- Get 50% of one installment as a bonus
- Redeem for gold jewellery at any Muliya showroom
- No making charges on select categories
- Transparent gold rate applies on the day of purchase
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:
- Minimum deposit: ₹75,000
- Tenure: 10 months
- Earn up to 8% additional gold value on maturity
- Redemption adjusted in gold or discount
- Exclusive plan for loyal Muliya customers
Compare the plans
Feature
Jewel SAP (JSAP)
PIP (Partner in Progress)
Type of Plan
Monthly Installments
One-Time Investment
Minimum Contribution
₹1,000/month
₹75,000
Duration
12 months
10 months
Maturity Benefit
50% bonus on one installment
Up to 8% bonus in gold
Redemption
Jewellery purchase
Gold or purchase discount
Ideal For
Planned buyers & families
Bulk buyers & investors
Frequently asked questions
General
Are these plans available at all Muliya showrooms?
Yes, all plans are available across all Muliya showrooms.
What happens if gold prices increase?
Your jewellery will be priced at the gold rate on the day of purchase, ensuring fairness and transparency.
Can I nominate someone else to redeem on my behalf?
Yes, with proper authorization and ID proof.
JSAP – Jewel SAP
What is the minimum amount to join?
₹1,000 per month.
What is the tenure?
12 months (364 days).
What is the bonus?
50% of one month’s installment, added at maturity.
What if I miss an installment?
Missing installments may affect bonus eligibility. Timely payments are recommended.
Can I exit before 12 months?
Yes, but you will not be eligible for the bonus benefit.
PIP – Partner in Progress
Who is this plan ideal for?
Customers making large purchases or long-term gold investments.
What is the minimum deposit?
₹75,000 (one-time).
What is the tenure?
10 months.
What return do I get?
Up to 8% return, adjusted in gold value or as purchase discount.
Can I use the bonus for diamond or silver jewellery?
Yes, depending on showroom terms and purchase.
Process & Documentation
What documents are required?
Basic KYC — Aadhaar, PAN, or valid government ID.
Do I get a passbook or certificate?
Yes, all participants receive documentation for tracking their plan.
Is online tracking available?
Currently managed offline, but assistance is available via WhatsApp or call.
Already a member? access your account
If you’re an existing JSAP customer, you can check your plan details, installment history, and maturity benefits online.
