Choose a monthly rhythm for your jewellery plan.
Explore the current Sunaar savings scheme and confirm enrolment details with the showroom team.
Choose a monthly rhythm for your jewellery plan.
Compare Bandhan and SwarnaNidhi using verified details from their official Sunaar scheme books.
Official scheme-book summary. Current enrolment, payment, benefit and redemption terms must be confirmed with Sunaar. Terms and conditions apply.
Bandhan
One fixed monthly installment for up to 9 months, with a minimum 6-month lock-in and jewellery redemption eligibility after completing at least 6 months under current terms.
SwarnaNidhi
Eight fixed monthly installments toward a later jewellery purchase. The exact eligible redemption date must be confirmed in writing during enrolment. Selected eligible customers may receive a stop-payment benefit under current written Sunaar terms.
View SwarnaNidhi pamphlet
A monthly rhythm backed by an official scheme record.
Plan the contribution. Confirm the benefit separately.
Know the schedule before you commit.
Continue monthly through the app or at a showroom.
Sunaar mobile app
Use the official Sunaar app for the applicable monthly payment flow and keep the digital confirmation for your records.
Sunaar showroom
Showroom payment options include cash, card, online payment, cheque and demand draft through the showroom. Outstation cheques are not accepted.
Jewellery value, not cash
The scheme books describe installments as an advance toward jewellery. Refund, transfer and closure conditions depend on the selected scheme.
Benefits follow written terms
Benefit eligibility depends on the selected scheme, completed tenure, eligible jewellery and current written terms.
Purchase-day gold rate
The prevailing Sunaar gold rate on the jewellery purchase date is used for the invoice.
Official record for every payment
Keep the customer book updated or collect a computerised receipt from the showroom for every installment.
Missed-payment terms matter
The scheme terms state that failing to pay more than three monthly installments may suspend the account. Confirm how this applies to your selected scheme.
Premature closure is jewellery-led
The scheme terms allow accumulated installments to be used toward jewellery without the scheme discount on premature closure; they do not promise a cash payout.
Bring the original customer book
The original scheme book and payment records are required for redemption. The Bandhan passbook also lists a Rs.200 returned-cheque charge.
Confirm before you begin
Identity documents, bank details, installment amount, current benefit schedule and redemption terms are confirmed during enrolment.
Which Sunaar gold purchase schemes are shown here?
Sunaar offers Bandhan as a 9-month gold purchase scheme and SwarnaNidhi as an 8-installment gold purchase scheme. Current enrolment and terms are confirmed by the Sunaar team.
How does the Bandhan scheme work?
Bandhan uses one fixed monthly installment of at least Rs.3,000 for up to 9 months. Its scheme book states a minimum 6-month lock-in and eligibility to redeem after completing at least 6 months, subject to the applicable benefit and current terms confirmed by Sunaar.
How does the SwarnaNidhi scheme work?
SwarnaNidhi uses 8 fixed monthly installments. The current minimum installment is Rs.3,000 as confirmed by Sunaar, with higher amounts in multiples of Rs.1,000. Confirm the exact eligible redemption date in writing during enrolment.
Does SwarnaNidhi include a stop-payment benefit?
Sunaar has confirmed that selected eligible customers in the 8-installment SwarnaNidhi scheme may receive a stop-payment benefit. Selection status, the effective installment and current conditions must be confirmed in writing by Sunaar; the website does not calculate or guarantee this benefit.
What jewellery benefits are mentioned in the scheme books?
The scheme terms include 0% making charges on eligible 22KT gold jewellery and Flat 50% off on eligible diamond jewellery under the applicable scheme and product terms. Taxes, surcharges and final eligibility are confirmed at purchase.
How can monthly payments be made?
The scheme books list the Sunaar app and showroom-supported modes including cash, card, online payment, cheque and demand draft. Outstation cheques are not accepted. Keep the official receipt or scheme-book entry for every payment.
What happens if payments stop or the scheme closes early?
The scheme terms state that missing more than three monthly installments may suspend the account. On premature closure, accumulated installments can be used toward jewellery without the scheme discount; they are not presented as a promised cash payout. Confirm the written closure terms before enrolment.
Which gold rate applies when jewellery is purchased?
The scheme books state that the prevailing Sunaar gold rate on the date of purchase is used for the invoice. The final jewellery value, taxes and applicable charges are confirmed at the showroom.
Can I enrol through this website?
No. This website only sends an enquiry or callback request. Scheme selection, identity documents, bank details, installment amount, benefit schedule and enrolment are completed with the Sunaar team.
Speak with the scheme team
Share your city and callback details. This website does not complete enrolment.