• Scheme 1
  • Save on monthly basis for 12 consecutive months.
  • 13th month installment will be contributed by PNG, so you get gold worth 13 months of savings in 14th month!
  • Scheme 2
  • Save on monthly basis for 24 consecutive months.
  • Next 3 installments will be contributed by PNG so you get gold worth 27 months of savings!
  • Scheme 3
  • Save on monthly basis for 36 consecutive months.
  • Next 7 installments will be contributed by PNG, so you get gold worth 43 months of savings in 40th month!

  • You can deposit Rs. 500/- or more in multiples of Rs. 100/-
  • Saving Scheme
  •  (For example, if you pay Rs. 1000/- per month)
    Payment Period Months Amount Paid PNG’s Contribution Eligible Month of Purchase Price of Purchase
    12 12,000 /- 1,000 /- 14th Month 13,000 /-
    24 24,000 /- 3,000 /- 27th Month 27,000 /-
    36 36,000 /- 7,000 /- 40th Month 43,000 /-

    Plus, you will get 5 % discount on making charges.
  • All of us know that proper investment in gold is always lucrative because of the consistently falling and rising value. Considering this significance, P. N. Gadgil and Sons has presented this scheme.
  • This scheme offers an opportunity to invest directly in the gold and benefit from the rising rates. The scheme is very flexible and easy for the convenience of the customers.
  • The scheme offers its members an opportunity to save in the form of gold and avail from the changing market rates.
  • Customers can participate by paying minimum Rs. 1000/- and in the multiples of Rs. 100/- thereafter.
  • Customers will be allowed to pay as much amount as they want and as many times as they want.
  • The scheme is for one year (12 months)
  • When customer pays the amount, gold worth that amount at the prevailing rate on that day will be deposited in the name of the customer. (The gold purchase will be inclusive of VAT.)
  • 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
  • Example 2
  •  (Any Date & 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
  • 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