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FAQ
What are the Benefits of enrolling in Kuber Yojana?
Please refer below table to understand benefits of the scheme
Example 1
(Considering Rs. 10,000/- per month in month)
Date Amount Rate/gm + Vat Jama Gold Interest
10.4.11 10,000 /- 2171.50 4.605 --
10.5.11 10,000 /- 2252.30 4.440 70.14
10.6.11 10,000/- 2282.60 4.381 138.08
10.7.11 10,000/- 2282.60 4.381 199.45
10.8.11 10,000/- 2615.90 3.823 273.97
10.9.11 10,000/- 2868.40 3.486 341.92
10.10.11 10,000/- 2706.80 3.694 396.71
10.11.11 10,000/- 2929.00 3.414 477.81
10.12.11 10,000/- 2944.15 3.397 528.22
10.1.12 10,000/- 2807.80 3.562 613.70
10.2.12 10,000/- 2843.15 3.517 681.64
10.3.12 10,000/- 2838.10 3.523 701.37
09.4.12 789.04
1,20,000/- 46.223 5212

Benefits :
• In 12 Months Your Gold Jama 46.233gms with your Deposited Amount Rs.1,20,000/- (Your average rate Rs.2596.11 per gm).
• On date of maturity(9.4.12) price of 46.223 gm Gold @Rs.2848.20/-will amount Rs.1,31,653/-
• Benefit from change of Rate Rs.11,653/-
• 8% p.a. Bonus on your Balance Amt .Rs.5,212/-
• Amount of Double Benefit & Effective Returns in Kuber Yojana : 11,653+5,212 = 16,865/-

Example 2
(Any Date &any Amount Deposit )
Date Amount Rate/gm + Vat Jama Gold
10.4.11 10,000 /- 2171.50 4.605
15.6.11 15,000/- 2272.50 6.601
05.7.11 10,000/- 2232.10 4.480
10.8.11 2,000/- 2615.90 0.765
10.9.11 5,000/- 2868.40 1.743
10.10.11 8,000/- 2706.80 2.956
10.11.11 5,000/- 2929.00 1.707
10.12.11 5,000/- 2944.15 1.698
10.01.12 15,000/- 2807.80 5.342
10.02.12 10,000/- 2843.15 3.517
10.03.12 15,000/- 2838.10 5.285
9.4.12 100000/- 38.699

Benefits :
• In 12 Months Your Gold Jama 38.699gms with your Deposited Amount Rs.1,00,000/- (Your average rate Rs.2584.05 per gm).
• On date of maturity(9.4.12) price of 38.699 gm Gold @Rs.2848.20/-will amount Rs.1,10,223/-
• Benefit from change of Rate Rs.10,223/-
• 8% p.a. Bonus on your Balance Amt .Rs.3896/-
• Amount of Double Benefit & Effective Returns in Kuber Yojana : 10,223+3,896 = 14,119/-


Example 3
(One Stroke Amount Deposit in a month)
Date Amount Rate/gm + Vat Jama Gold
10.4.11 1,20,000 /- 2171.50 55.261
Benefits :
• In 12 Months Your Gold Jama 55.261 gms with your Deposited Amount Rs.1,20,000/- .
• On date of maturity(9.4.12) price of 55.261 gm Gold @Rs.2848.20/-will amount Rs.1,57,395/-
• Benefit from change of Rate Rs.37,395/-
• 8% p.a. Bonus on your Balance Amt .Rs.9,626/-
• Amount of Double Benefit & Effective Returns in Kuber Yojana : 37,395+9,626 = 47,022/-
What is the Duration of the Scheme?
The scheme is for one year (12 months).
What is the Eligibility to enroll the scheme?
Anybody above 18 years age can enroll into the scheme.
How do I enroll Kuber Yojana ?
• To enroll online click on Enroll Now!!
OR
You can visit our showrooms at Satara Road, Chinchwad, Sinhagad Road, Nashik, Sataracity and Mumbai(Prabhadevi)
What are the payment options?
◦ Monthly installment can be paid either online or at our stores using your unique registration number.
◦ The customer registered at store can also pay online by requesting unique userID & PIN through email. (Refer online registration process)
• Online registered customer can also pay their installments by postdated cheques in favour of P.N.Gadgil & Sons by visiting our showrooms.
Note : Charges applicable for online payment are Rs.30/- per transaction or as per your bank standard charges.
How can I keep track of my account status?
You can check your ledger by login to www.pngadgilandsons.com using your unique user-id. (All accounts updations are 8days old.)
What can I buy at the maturity of the scheme?
At the maturity of the scheme you can buy any Gold Jewellery or purchase pure gold in the form of PNGvedhani.
Can I get Cash Refund ?
No, Cash will not be refunded at any incidence. All credit/Saving will complusary adjusted only against purchase of Gold Jewellary or Pure Gold in the form of PNG-Vedhani.
What Documents are required at the time of redemption?
You need to carry receipts of installments you paid, PAN Card Copy and a valid Photo ID(License or Voters Id.)