GOLD Rate - 24k - 1 gm: Rs.0/- GOLD Rate - 18k - 1 gm: Rs.0/- 
Platinum Rate - 1 gm: Rs.0/- Silver Rate - 1 gm: Rs.0/- AVR Swarna Mahal Jewellers
Diwali eGold+ Gold Saving Scheme (2026)
Diwali eGold+ is a short-term gold saving scheme where every successful payment is converted into 22KT gold weight (grams). Your converted gold weight is stored in your scheme account and can be redeemed at AVR Swarna Mahal showrooms as per the rules below.
The scheme is available to customers enrolling with a valid mobile number and valid identity proof.
The scheme is non-transferable and redemption is permitted only for the account holder after verification (OTP/registered mobile + ID proof).
AVR Swarna Mahal may refuse redemption if verification fails or if there is suspected misuse/fraud.
Minimum enrolment payment: Rs. 2,500.
After enrolment, customers may pay any number of times in multiples of Rs. 500 until 25 Oct 2026.
The last date for enrolment and making payments is 25 October 2026.
Each payment is converted into 22KT gold weight using the AVR Swarna Mahal 22KT gold rate displayed at the time the payment is successful (as shown on AVRSM's live rate board or official rate display at the showroom/app). The gold weight credited will be visible in the scheme records.
A bonus (free) silver benefit is calculated on the total accumulated gold weight in the scheme, subject to the redemption conditions below.
3 gram free silver for every 1 gram of gold accumulated.
Bonus silver is calculated in grams and rounded/recorded as per the scheme system display (as shown in the scheme statement).
Note: Bonus silver is applicable only for gold and diamond jewellery purchases. Bonus silver is not applicable for gold coins/bars or silver jewellery/coins/bars or platinum/other articles.
Primary redemption date: 28 October to 15 November 2026.
Redemption is permitted only at AVR Swarna Mahal showrooms.
If the scheme is not redeemed during the redemption dates, customers can redeem it on or before February 15, 2027 with applicable scheme benefits. After February 15, 2027, the scheme can be redeemed only for the accumulated gold weight and no bonus or scheme benefits will be applicable.
After 3 months bonus period, the scheme can be redeemed only for the principal accumulated gold weight (no bonus/benefit).
Customer can choose silver benefit or ongoing current offer (if any) in their bonus period (Till February 15, 2027).
Diwali special offers will also be applicable (on Extra weight of Gold Jewellery Purchase and Flat 20% off on Diamonds) on redemption of this scheme on this date only.
At redemption, your saved gold weight will be adjusted against your purchase. The adjustment method depends on what you purchase:
Gold jewellery: Saved gold grams are adjusted against the gold value of the selected jewellery on the day of redemption. Bonus silver (if eligible) is applied only for gold jewellery purchases.
Diamond jewellery: Saved gold grams are adjusted against the gold value of the selected jewellery on the day of redemption. Bonus silver (if eligible) is applied only for accumulated gold as per scheme benefit.
Platinum jewellery: Saved gold grams will be converted into Rs. value using the AVR Swarna Mahal board rate on the day of redemption, and the equivalent Rs. value can be used to buy Platinum items. Bonus silver is not applicable.
Gold coins/bars: Saved gold grams may be redeemed for coins/bars; however, bonus silver is not applicable.
Silver or other eligible items: Saved gold grams will be converted into Rs. value using the AVR Swarna Mahal board rate on the day of redemption, and the equivalent Rs. value can be used to buy silver/other eligible items. Bonus silver is not applicable.
If the selected product value exceeds the accumulated gold value, the customer must pay the balance amount at the showroom.
Saved gold covers only gold value. Making charges/VA, stone charges, hallmark charges and GST is extra and depends on the item chosen. All applicable government taxes must be paid by the customer.
Cash refunds are not allowed. Partial redemption is not permitted. The scheme must be redeemed in full in a single transaction.
If the customer requests to close/redeem the scheme before the Diwali redemption dates, it will be treated as pre-closure. In pre-closure, the bonus/free silver benefit will not be applicable. Only the principal accumulated gold weight will be considered for redemption.
Customers must carry their registered mobile number (for OTP/verification) and valid identity proof at the time of redemption.
If any genuine issue occurs (for example, incorrect details or technical/payment issues), customers may contact Customer Care and raise an email/ticket. Resolution will be provided after verification as per company policy. No cash refund will be permitted.
AVR Swarna Mahal reserves the right to modify, cancel, or amend the scheme terms and conditions, subject to applicable law. Any such changes will be communicated through appropriate channels (showroom notice/app/website) where feasible.
@ 2026. AVR Swarnamahal Jewelry Ltd. All Rights Reserved
