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Akshaya Gold+ 2027 scheme

Thangamayil Jewellery Limited introduces the Akshaya Gold+ 2027 Scheme as a special festive gold savings opportunity for Akshaya Tritiya 2027. By joining this scheme, customers can save gold digitally in a smart, secure, and flexible way while planning their festive jewellery purchases in advance. Customers can also enjoy monthly scheme benefits, where early savings help customers receive higher benefits during the scheme period. Customers joining this scheme agree to follow the Terms & Conditions mentioned below, along with the general Terms of Use of Thangamayil Jewellery Limited.

1. Eligibility

To join the Akshaya Gold+ 2027 Scheme, customers must meet the following eligibility criteria:

1.1. Customers must be Indian citizens.

1.2. Customers must be 18 years of age or above.

1.3. Customers must have a registered and active account in the Thangamayil DigiGold App with valid contact details.

1.4. Customers must complete the required KYC verification process using valid documents such as Aadhaar Card and PAN Card.

1.5. Customers must have a valid bank account with any recognized bank in India.

1.6. Customers must agree to follow all the Terms & Conditions of the Akshaya Gold+ 2027 Scheme.

2. Joining Scheme

2.1. Users can join the Akshaya Gold+ 2027 Scheme through the Thangamayil DigiGold mobile application.

2.2. Users must submit all required KYC details in the prescribed format and ensure that the registered name matches a valid ID proof, which will be required for verification at the time of redemption or purchase.

2.3. Enrollment is confirmed only after the first payment is successfully processed and credited to Thangamayil Jewellery Limited's bank account.

3.Duration (Tenure)

3.1. The Akshaya Gold+ 2027 Scheme enrollment period will be active from 01-June-2026 to 30-April-2027. Customers can join the scheme and make their first payment during this period. Payments can be continued until 05-May-2027. The scheme will mature on 08-May-2027, after which customers can purchase gold or diamond jewellery during Akshaya Tritiya 2027.

4. Savings

4.1. The Akshaya Gold+ 2027 Scheme allows customers to save gold digitally with Thangamayil Jewellery and use their accumulated savings to purchase gold or diamond jewellery at Thangamayil showrooms during Akshaya Tritiya 2027.

4.2. Customers can start saving from ₹2,500 and continue saving in multiples of ₹100, ₹200, ₹300 and more during the scheme period.

4.3. Every successful payment will be credited to the customer's Akshaya Gold+ 2027 scheme account and reflected in the savings balance.

4.4. Customers can make multiple savings throughout the scheme period using any available payment mode.

4.5. Gold rates are subject to market fluctuations. The applicable gold rate at the time of jewellery purchase will be considered during redemption.

4.6. Payments for the Akshaya Gold+ 2027 Scheme can be made only through the Thangamayil DigiGold App.

4.7. Customers can track their savings, gold weight, and transaction history through the Thangamayil DigiGold App. Confirmation will be provided for every successful transaction.

5. Benefits

5.1. The Akshaya Gold+ 2027 Scheme allows customers to save gold based on the prevailing gold rate at the time of each payment.

5.2. Customers joining the scheme early will be eligible for higher monthly scheme benefits during the scheme period.

5.3. The monthly benefit structure applicable under the scheme is as follows:

• June 2026 - 10% Benefit
• July 2026 - 9% Benefit
• August 2026 - 8% Benefit
• September 2026 - 7% Benefit
• October 2026 - 6% Benefit
• November 2026 - 5% Benefit
• December 2026 - 4% Benefit
• January 2027 - 3% Benefit
• February 2027 - 2% Benefit
• February 2027 - 2% Benefit
• March 2027 - 1% Benefit
• April 2027 - 0.5% Benefit

5.4. Customers will receive the benefit percentage applicable for the respective month in which each savings payment is made.

5.5. Scheme benefits shall be applicable only for gold jewellery purchases made after the maturity of the scheme.

5.6. Scheme benefits shall not be applicable for purchases of gold coins. However, customers may use their directly saved amount to purchase such products at the prevailing board rate on the date of purchase.

5.7. Customers can purchase gold jewellery and diamond jewellery under this scheme. Silver products are not eligible for purchase under the scheme. Gold coins can be purchased; however, scheme benefits will not be applicable for gold coin purchases.

5.8. This scheme is specially designed to help customers plan their Akshaya Tritiya 2027 jewellery purchases in advance while protecting their savings from gold rate fluctuations.

6. Redemption

6.1. Customers can use their saved gold weight to purchase 22kt gold or diamond jewellery at Thangamayil Jewellery showrooms, subject to the scheme Terms & Conditions.

6.2. Customers can redeem their savings only after scheme maturity during Akshaya Tritiya 2027.

6.3. Redemption can be done at any Thangamayil Jewellery showroom across Tamil Nadu.

6.4. Customers can use their accumulated gold savings only after the scheme maturity period, as per the scheme guidelines.

6.5. Every payment made in the scheme will be converted into gold weight based on the prevailing gold rate at the time of payment.

6.6. The final purchase value will be calculated based on the total accumulated gold weight available in the customer’s scheme account at the time of redemption.

6.7. If the customer purchases jewellery for a value lesser than the total saved gold value, the balance gold value will not be refunded in cash.

6.8. Customers must pay applicable GST, making charges, wastage charges, stone charges, hallmark charges, and other applicable charges at the time of purchase.

6.9. Only the registered customer can redeem the scheme by providing valid ID proof such as Aadhaar Card, PAN Card, Driving License, or Voter ID.

6.10. Customers must complete OTP verification through their registered mobile number at the time of redemption.

6.11. Customers must complete their jewellery purchase within 35 days from the scheme maturity date.

6.12. Redemption is allowed only at authorized Thangamayil Jewellery showrooms and cannot be processed through third-party retailers or external platforms.

6.13. Customers are responsible for any applicable government taxes or statutory charges related to their jewellery purchase.

6.14. For jewellery purchases above ₹1.75 lakhs, the customer’s PAN Card must be linked with the scheme account and PAN details must be provided as per government regulations.

6.15. Customers must submit their PAN Card during redemption for transactions exceeding ₹1.75 lakhs, as per Income Tax regulations.

6.16. Thangamayil Jewellery Limited reserves the right to modify, update, or revise the redemption terms and conditions without prior notice.

7.1. Online Redemption Process and Delivery

Customers can avail online redemption only after scheme maturity during Akshaya Tritiya 2027, subject to the scheme Terms & Conditions.

Customers must maintain a minimum accumulated savings value of ₹2,500 or above to avail online redemption under the Akshaya Gold+ 2027 scheme.

Online Redemption Process

Step 1:Open the scheme passbook in the DigiGold App and click the “Close & Redeem now --> Redeem Online” option.

Step 2 :The Online Redemption Process and Form will be displayed on the screen. Open the form to continue.

Step 3 :Customers must verify and complete the following details in the Online Redemption Form:

Step 3

Customers must verify and complete the following details in the Online Redemption Form:

Registered Name and Mobile Number.

Verified Email ID

Scheme Passbook Number

Preferred Product Selection

Step 4 :Submit the completed Online Redemption Form

Step 5 :After submission, the Thangamayil Support Team will contact the customer for further verification and redemption assistance.

Step 6 :Once product selection and verification are completed, the Sales Team will process the order and arrange delivery of the jewellery to the customer’s address, subject to applicable delivery terms and shipping charges.

Eligible online redemption orders may be processed for home delivery, subject to applicable shipping charges.

7.2. Verification Requirement

OTP verification is mandatory for online redemption confirmation. OTP must not be shared with anyone.

Customers may be required to verify registered mobile number, email ID, scheme passbook details, and submit applicable KYC documents including Aadhaar Card and PAN Card during the online redemption process.

7.3. Eligible Products and Scheme Benefits

Customers can purchase 22kt gold jewellery and diamond jewellery through online redemption under the Akshaya Gold+ 2027 scheme.

Silver products are not eligible for purchase under online redemption.

Gold coins can be purchased using the directly accumulated savings amount at the prevailing board rate on the date of purchase. However, scheme benefits will not be applicable for gold coin purchases.

7.4. Redemption Value Calculation

Every payment made under the scheme will be converted into gold weight based on the prevailing gold rate at the time of payment.

The final purchase value will be calculated based on the total accumulated gold weight available in the customer’s scheme account at the time of redemption.

7.5. Applicable Charges

Applicable GST, wastage charges, making charges, stone charges, hallmark charges, shipping charges, and other prevailing charges must be paid at the time of purchase.

7.6. Additional Purchase Payment

If the selected jewellery value exceeds the redeemed scheme value, customers must pay the balance amount through available payment methods.

If the selected jewellery value is lesser than the total redeemed value, the balance value will not be refunded in cash.

7.7. PAN Requirement for High-Value Transactions

For transactions exceeding ₹1.75 lakhs, customers must submit PAN details as per prevailing government regulations.

7.8. Redemption Timeline

Customers must complete online redemption and jewellery purchase within 35 days from the scheme maturity date.

7.9. Transparency in Charges

All applicable charges and deductions will be clearly disclosed to customers during the online redemption process.

7.10. Applicable Laws

All online redemptions are subject to prevailing Indian laws, regulations, and company policies. Any disputes shall fall under the jurisdiction of Indian courts.

7.11. Terms Modification Rights

Thangamayil Jewellery Limited reserves the right to modify, update, or revise the online redemption terms and conditions without prior notice.

8. Refund

The Akshaya Gold+ 2027 Scheme is designed for gold rate locking and jewellery purchase. Users cannot request a refund of their saved amount under any circumstances.

Note: Customers are advised to carefully read and understand the terms and conditions before joining the Akshaya Gold+ 2027 Scheme. Thangamayil Jewellery Limited reserves the right to modify or alter the refund policy without prior notice.

9. Disputes

9.1. In case of any Dispute(s)/Difference(s)/Claim(s) arising out of these terms and conditions shall be resolved by the arbitration by the arbitrator(s) nominated by the Chamber Arbitration Tribunal (ChaAT), Madurai, Established by Tamilnadu Chamber Of Commerce & Industry, Madurai and administered by Tamilnadu Chamber Foundation, Madurai and Chamber Artbiration Tribunal (ChaAT) rules, 2007 shall prevail. Both the parties agree that the Arbitral awards so rendered by ChaAT shall be binding on them, The proceedings shall be in favour of english or tamil or both and the venue shall be at Madurai.

10.How to redeem-Akshaya Gold+ 2027

10.1. Akshaya Gold+ 2027 savings can be redeemed at any Thangamayil showroom across Tamil Nadu during Akshaya Tritiya 2027.

10.2. Redemption must be initiated through the Thangamayil DigiGold App while logged into your registered account.

10.3. Open your Digital Passbook and click “Redeem Now”.

10.4. Confirm the redemption request using OTP verification.

10.5. A 5-digit redemption code will be generated. Share this code with the showroom salesperson during purchase.

Your scheme balance will then become available for purchasing gold or diamond jewellery.

Note:The final jewellery purchase value must be equal to or higher than the total redeemed gold value.

Scheme benefits will not be applicable if the scheme is terminated before maturity.

Scheme benefits are not applicable for gold coin purchases.

11.Transaction Failed-Akshaya Gold+ 2027

11.1. Sorry! Your payment of ₹@amount for your Akshaya Gold+ 2027 scheme was unsuccessful.

11.2. Please try the payment again or contact us for assistance.

11.3. Note: If you are using a Debit Card, kindly ensure that online transactions are enabled for successful payment processing.

12.Transaction success-Akshaya Gold+ 2027

12.1.Your payment of ₹@amount has been successfully added to your Akshaya Gold+ 2027 Passbook @passbookNo by saving @weight grams of gold.

12.2.Transaction Reference Number: @transactionReferenceNumber

13.Transaction success for Initial payment-Akshaya Gold+ 2027

13.1.Congratulations! ✨

13.2.You have successfully joined the Akshaya Gold+ 2027 Scheme.

13.3.Your payment of ₹@amount has been successfully processed, and your Passbook Number is @passbookNo.

13.4.Transaction Reference Number: @transactionReferenceNumber

14.Redeem Success-Akshaya Gold+ 2027

14.1."Congratulations!

14.2.You've redeemed your Akshaya Gold+ 2027 savings.

15.Redeem Failed-Akshaya Gold+ 2027

15.1.Sorry! Your Akshaya Gold+ 2027 redemption request was unsuccessful.

15.2.Please try again using a valid OTP or contact our customer support team for assistance.

16.Benefits-Akshaya Gold+ 2027

16.1.Savings and Scheme Benefits

16.2.Minimum savings under the scheme starts from ₹2,500 for the first payment.

After the first payment, customers can continue savings in multiples of ₹100, ₹200, ₹300, and above during the scheme period.

Customers can make savings at any time during the scheme period based on the prevailing gold rate at the time of each payment.

Customers joining the scheme earlier will be eligible for higher monthly scheme benefits during the scheme period.

The monthly benefit structure applicable under the scheme is as follows:

June 2026 - 10% Benefit

July 2026 - 9% Benefit

August 2026 - 8% Benefit

September 2026 - 7% Benefit

October 2026 - 6% Benefit

November 2026 - 5% Benefit

December 2026 - 4% Benefit

January 2027 - 3% Benefit

February 2027 - 2% Benefit

March 2027 - 1% Benefit

April 2027 - 0.5% Benefit

Customers will receive the applicable benefit percentage based on the respective month in which each savings payment is made.

Akshaya Gold+ 2027 is specially designed to help customers plan their Akshaya Tritiya 2027 jewellery purchases in advance while protecting their savings from gold rate fluctuations.

Customers can purchase gold jewellery and diamond jewellery at eligible Thangamayil showrooms across Tamil Nadu during or after Akshaya Tritiya 2027, subject to scheme terms and eligibility.

The final purchase value will be calculated based on the total accumulated gold weight available in the customer’s scheme account at the time of redemption.

Applicable GST, wastage charges, making charges, hallmark charges, stone charges, VA charges, and other prevailing charges must be paid at the time of purchase.

Scheme benefits are applicable only for eligible gold jewellery purchases made after scheme maturity.

Gold coins can be purchased under the scheme using the directly accumulated savings amount at the prevailing board rate on the date of purchase. However, scheme benefits will not be applicable for gold coin purchases.

Silver products are not eligible for purchase under this scheme.