About Esilver+
A fully digital and flexible silver savings plan. Customers can start the scheme with a minimum amount of ₹500. After enrollment, they can save any amount in multiples of ₹100, as many times as they wish, within 330 days (about 11 months). Each payment is converted into silver weight at live board rates. Redeem at the end of 330 days (about 11 months) for jewellery or coins.
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How Easy Silver Purchase Scheme Works?
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100% SILVER RATE PROTECTION
Secure Purchase Plan
REAL TIME PASSBOOK
Scheme Benefits
First 75 days -7.5% benefit
76th to 150th day -4.5% benefit
151st to 225th day -2.5% benefit
226th to 300th day -1% benefit
301st to 330th day -0% benefit
Process to Join
Step 1
Click to join the
Esilver+ Scheme
Step 2
Enter your investment
amount (Min ₹500 & multiples of ₹100)
Step 3
Make the payment to
start the plan
Process to Redeem
Step 1
The maturity period is
330 days (about 11 months) only
Step 2
Visit any AVR Swarna Mahal
showroom
Step 3
Provide your
scheme details
Step 4
OTP Verification will be done through the
registered mobile number
Step 5
Redeem your silver weight for any
jewellery or coins
Process to Redeem
Step 1
After the 330-day maturity period
Step 2
Visit any AVR Swarna Mahal showroom
Step 3
Provide your scheme details
Step 4
OTP Verification will be done through the registered mobile number
Step 5
Redeem your silver weight for jewellery or coins
Features & Benefits
Minimum Amount: ₹500 (Flexible investments in multiples of ₹100)
Scheme Period: 330 days (about 11 months)
Each payment is Converted using AVR Swarna Mahal’s live silver rate shown in the app at the time of payment
Earn up to 7.5% value benefit calculated slab wise*.
Scheme Benefits:
First 75 days -7.5% benefit
76th to 150th day -4.5% benefit
151st to 225th day -2.5% benefit
226th to 300th day -1% benefit
301st to 330th day -0% benefit
Full benefits will be offered only if the user redeems after maturity; otherwise, pre-closure benefits* will apply.
Redeem: Customers can redeem their accumulated Silver weight for any Silver, Gold, Platinum & Diamond Jewellery, including Silver & Gold Coins/Bars/Articles and Gifting Items.
Applicable fees: Customers may have to pay GST, Value Addition, Making charges, Stone cost, Hallmark charges and other charges if applicable
Pre-closure is applicable: Flat 1% is applicable*. Eligibility is based on each installment payment. Only payments credited minimum of 30 days qualify.
Lock in period : No redemption or pre-closure is allowed during the first 30 days.
Save Silver Anytime Anywhere
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TERMS & CONDITIONS - ESILVER+
Minimum Investment : ₹500 and above, in multiples of ₹100. Customers can invest any amount (in multiples of ₹100), any number of times, within the 11 months.
Silver Conversion: Each payment is immediately converted into silver weight at the day’s silver rate
Maturity Period : The plan matures after 330 days.
Benefit : Avail up to 7.5% Value benefit will be calculated on a 330-day Basis.
Jewellery Redemption : After maturity, customers can buy jewellery or silver coins based on their accumulated silver weight. No cash refunds are allowed.
Applicable fees : The customer shall be required to pay all applicable fees, including GST, value addition charges, making charges, stone costs, Hallmark charges and other charges.
Purchase Locations : Redemption available only at AVR Swarna Mahal showrooms in Tamil Nadu, Karnataka
ID Proof Required : Valid ID proof and purchase records must be presented during redemption. Only the account holder is authorised to redeem the scheme.
Pre-Closure Benefit: Flat 1% is applicable*. Eligibility is based on each installment payment. Only payments credited minimum of 30 days qualify.
The lock-in period is 30 days, where customers cannot redeem their savings until 30 days from the start of the Esilver+ scheme.
No cash refunds are allowed under this plan.
No scheme benefits apply from the 301st day to the 330th day.
Frequently Asked Questions (FAQs)
The scheme matures after 330 days (about 11 months) from the joining date. Customers must start the scheme with a minimum amount of ₹500. After starting, they can make additional payments in multiples of ₹100, any number of times, within the 330 days (about 11 months) duration.
Customers must start the scheme with a minimum amount of ₹500. After starting, further deposits can be made in multiples of ₹100.
Every payment is converted instantly into silver weight at the live rate.
After 330 days (about 11 months), visit any AVR Swarna Mahal showroom to redeem their accumulated Silver weight for any Silver, Gold, Platinum & Diamond Jewellery, including Silver & Gold Coins/Bars/Articles and Gifting Items.
Your saved silver covers only silver value. Making/VA/stone/GST are extra based on the product you choose.
Scheme benefits will be provided in the sum of value on a 330 days (about 11 months) basis.
Pre-Closure Benefit: Flat 1% is applicable*. Eligibility is based on each installment payment. Only payments credited minimum of 30 days qualify.
Esilver+ Scheme Enquiry Form
Esilver+ – The Smart & Flexible Silver Investment Plan from Smart Gold by AVR Swarna Mahal
For generations, silver has been India’s symbol of trust, wealth, and tradition. Continuing this legacy with a modern touch, AVR Swarna Mahal Jewellers presents Smart Gold, a secure and convenient app that brings silver savings to your fingertips.
Among its trusted offerings, Esilver+ stands out as a flexible silver investment plan designed for individuals who prefer freedom and transparency in their savings journey.
Esilver+ – Flexibility Meets Smart Gold
Unlike traditional monthly silver purchase plans, Esilver+ gives you the freedom to invest any amount, anytime — starting from just ₹500 and in multiples of ₹100. You don’t need to stick to a fixed monthly schedule. Whether you choose to invest weekly, monthly, or irregularly based on convenience, every payment is instantly converted into pure silver at the live market rate.
This makes Esilver+ one of the most versatile and accessible silver investment schemes in India. Through the Smart Gold app, you can make investments anytime, track your silver accumulation in real-time, and stay in complete control of your savings.
A Smart Way to Grow Your Silver
Every time you invest through Smart Gold, your contribution is converted to silver at that day’s live board rate — no hidden charges or delays. The plan rewards you for your consistency and patience, offering up to 7.5% value benefit when you stay invested till maturity (330 days).
It’s a digital silver investment that combines technology with tradition — offering the assurance of AVR Swarna Mahal’s purity with the convenience of app-based control.
Why Esilver+ is the Smart Choice
With Esilver+, you’re not tied down to rigid timelines. You can invest whenever it suits you and watch your silver weight grow securely within your Smart Gold account.
Here’s what makes it unique:
Start Small, Save Smart – Begin with ₹500 and add in multiples whenever you wish.
Digital Silver Investment Made Easy – Buy and track silver securely via the Smart Gold app.
Transparent Conversion – Each payment converts instantly into silver at the live market rate.
Attractive Benefits – Enjoy up to 7.5% value benefit calculated on a 330-day basis.
Trusted Legacy – Backed by 98+ years of AVR Swarna Mahal’s purity and craftsmanship.
Rewards That Add More Shine
Depending on how long you stay invested, Esilver+ offers tiered benefits:
First 75 days -7.5% benefit
76th to 150th day -4.5% benefit
151st to 225th day -2.5% benefit
226th to 300th day -1% benefit
301st to 330th day -0% benefit
When you redeem their accumulated Silver weight for any Silver, Gold, Platinum & Diamond Jewellery, including Silver & Gold Coins/Bars/Articles and Gifting Items from any AVR Swarna Mahal showroom across Tamil Nadu or Karnataka.
This blend of flexible investment options and exclusive redemption benefits makes Esilver+ one of the most rewarding silver investment plans available today.
Backed by Legacy, Designed for Today
With a legacy spanning nearly a century, AVR Swarna Mahal Jewellers has always been synonymous with purity and innovation. Through the Smart Gold app, this legacy extends into the digital space — giving customers a trusted way to invest and save.
Esilver+ is more than a silver investment scheme; it’s a bridge between traditional silver saving and the modern convenience of digital platforms
Why Choose Smart Gold’s Esilver+
Flexible– invest anytime during the 330 days
Transparent– every rupee converted to silver at the day’s rate
Rewarding– earn up to 7.5% value benefit
Convenient – manage everything from the Smart Gold app
Reliable– backed by the trusted AVR Swarna Mahal name
Start Saving Smarter
With Smart Gold’s Esilver+, you can enjoy the benefits of a flexible and secure digital silver investment — without being tied to rigid monthly schedules.
Experience the future of silver saving today. Begin your journey with Smart Gold’s eGold+ and see your savings shine brighter each day.
