Swarna Dhara Scheme | Tirumala Jewellers

Swarna Dhara Scheme

Tirumala Jewellers Swarna Dhara Scheme

  • Looking for that special gift for your loved ones ?
  • Planning for you daughter's wedding ?
  • Let TMJ Help. You Can you Surprise Your Loved Ones With A Gift Of Exquisite Jewellery , With A Simple Swarnadhara Monthly Gold Purchase Scheme.
  • What are the benefits of SDS ?
    SDS is a 11 month advance monthly gold deposit scheme, where in you pay for 11 month in equals monthly installment and TMJ gives you a bonus by paying your 12TH month installment.
  • How much do I need to invest ?
    The monthly investment starts from as minimum as rupees 5000 or multiples of the same.


  • The member shall pay Rs 5000 or its multiples in equal monthly installments for 11 months & the 12th month bonus will be paid by TMJ.
  • Member is required to make the installment, on or before 5th of every month.
    However maximum 3 days grace period is considered in case of any delay.
  • We encourage you to give post dated cheques to help you in prompt instalment payment In case of any cheques bounces, an extra amount of Rs.250 has to be paid towards banking charges.
  • In case the member discontinues to pay monthly advance as per the plan, the already paid money will be refunded in terms of gold ornaments only, and after the completion of 11 months and required formalities. No bonus shall be given in such cases. SDS is a gold purchase scheme and cash will not be refunded at any time and under any circumstances.
  • Only 22kt /18kt gold and studded ornaments can be purchased under the scheme. Purchase of gold coins/bars, silver coins and diamond solitaires are excluded from the SDS.
  • Only after successful' payment for 11 months, the bonus 12th month instalment will be paid by TMJ and the plan can be redeemed only afterthe completion of the 12th month.
  • The scheme has to be redeemed within 30 working days of its maturity.
  • The SDS passbook has to be submitted back to TMJ at the time of redemption of the scheme.
  • The price of the jewellery will be charged according to the prevailing gold rate on the day of actual purchase.
  • No other discount and offers can the redeemed along with this plan.
  • In case of any disputes, the management decision well be final .Further disputes will be subject to Hyderabad jurisdiction only.
  • GST /PAN card applicable as per prevailing government rules.


  • By signing the enrollment form, you have agreed to have to read all the terms and conditions and accept them
  • TMJ reserves the right to suspend the plan at any time. In such case. the members may purchase any ornaments at the showroom equal to the value of the money paid in their account as on the day of purchase.