Flexible, RBI-compliant gold savings plans designed for every budget — start with as little as ₹100 per month and build your golden future.
All plans include live market pricing, insured vault storage, and full KYC compliance.
High Yield
Extended Growth
Capital Preservation
88% Total Gold Gain
Save systematically for your wedding jewellery with zero making charges and complimentary gift packaging.
Long-term savings plan for your child's education, marriage, or financial independence milestone.
Start before Diwali, redeem on next Dhanteras — automatic accumulation with festive bonus rewards.
Employee benefit plans for corporates — gift gold, reward loyalty, and retain top talent with real gold incentives.
Create your Ponvalam account online, upload your Aadhaar & PAN for quick digital KYC verification — done in minutes.
Select the plan that matches your budget and goals — Starter, Growth, or Premium. Set your monthly contribution amount.
Link your UPI or bank account for seamless automatic monthly debits. Your gold is purchased at live market rates every month.
Watch your gold accumulate in grams via our real-time dashboard. Full transaction history and live value updates always available.
At scheme completion, convert your gold into beautiful jewellery at partner stores, physical gold coins/bars, or transfer to another scheme.
Receive your physical gold or jewellery delivered securely to your doorstep or collect from our partner boutiques.
Yes, you can increase your monthly contribution at any time through your dashboard. Reductions may be subject to scheme terms.
A 7-day grace period applies. After that, a small penalty may apply per scheme terms. You can catch up the missed instalment within the same month without losing scheme benefits.
Most plans have a minimum tenure of 11 months. Early closure is permitted with applicable charges as detailed in each scheme's terms and conditions.
Yes! You can run multiple schemes concurrently — for example, one bridal scheme and one child future scheme — each tracked separately in your dashboard.
Open your account in under 5 minutes. No paperwork. Full digital onboarding.