What is Gold Saving Scheme in GRT? | Benefits | Online | 2023

Gold Saving Scheme in GRT?

Gold Saving Scheme in GRT


GRT Jewellery Private Limited is headquartered in Chennai, Tamil. GRT Jewellery Private Limited’s main competitors are Tanishq jewellery, Kalyan Jewellers, Malabar Gold & Diamonds, and PC Jeweller.
As of December 2020, GRT Jewellery Private Limited has 1.5M fans on Facebook and 4K+ followers on Twitter.
The GRT Jewellery Company is popular for giving customers the best in jewellery when it comes to quality and design.
The GRT introduced GRT Golden Eleven Flexi Plan also known as GRT Gold EMI Scheme in 2023.
This scheme is created to assist you purchase jewellery that you always wanted. The plan now offers you to option of buying gold, diamond, platinum, and silver jewellery.
Enroll and purchase your favorite jewelry 11 months from the date of enrollment.
In this article, we will discuss Gold Saving Scheme in GRT.

Also Read Malabar Gold EMI Scheme | Features | Payment | Terms and Conditions

NoteThere may be changes in the schemes, hence confirm with the retailers before you save through them.

GRT Helpline Numbers

Saving Scheme Helpline044 2346 1515
Writing toOnline Services Department,
136, Usman Road, T.Nagar,
Chennai – 600 017.
Gold Saving Scheme in GRT

Also Read State Bank of India – Gold Coins Scheme | Features | Benefits | FAQs

Documents Required


The subscriber must provide any one of the following documents:

  • Ration card
  • Passport
  • PAN card
  • Aadhaar card
  • Driving license
  • Voter ID card

Features of Golden Eleven Flexi


The customer can select an amount of your choice as MAP (Monthly Advance Payment).
There are various slabs starting from INR 500/- onwards.
All you have to do is pay eleven equal MAP.
You will also get a passbook to keep track of your payment.
After making the advance payment for the last month you can purchase your favorite jewellery.

SchemeGRT Golden Eleven Flexi Plan
Eligibility Anybody above 18 years of age
Account Through online or App (Oriana) or by visiting the nearest GRT showroom (offline).
Minimum Investment INR 500/-
Maximum InvestmentMultiples of INR 1000/-
Tenure11 Months
PaymentOffline – through cash, cards, ECS, PDCs at showrooms.
Online – through GRT website or Oriana App using your cards, net-banking.
Nominee facilityYes

Also Read Tanishq – Golden Harvest | Swarnanidhi | Features | Refund | Complaints | Taxation

The customer can opt for either the value-based or the gold weight-based option.

For example-

GRT Gold Scheme Benefits

  • More benefit
  • Short period
  • With two options

Read Sovereign Gold Bond SBI | How to Buy SGB Online? 

Terms and Conditions

  • There is no cash refund available.
  • The customer is entitled to purchase the jewellery on the 12th month and if the subscriber does not purchase jewellery within the 12th month from the date of enrolment, the company may opt to refund the total advance amount paid without any benefit and the same will be sent directly to the subscriber’s registered address by cheque or via bank transfer.
  • The customer can buy the jewellery post the 11th month.
  • The subscriber’s advance amount will be refunded if not bought within 345 days from the date of enrolment.
    Balance advance amount, if any, will not be refunded in cash and can only be adjusted on the purchase of gold or silver coin.
  • The customer can buy jewellery from the 10th month of enrollment, however, before 345 days from the date of enrolment.
  • GST & any other government levies at the time of delivery for all sales transactions will be borne by the customer.
  • The customer may appoint a nominee on submission of KYC details for both self and the nominee.
    The guardian will sign and will also be the nominee in the case of minors.
  • You can avail of a discount on purchases only post the installment phase.
  • In case you discontinue between the 8th to 10th month, you can avail of a discount of up to 60% of the installment amount for one month.
  • In case you wish to discontinue within the 7th month from the time of enrolment, you won’t be eligible for the ‘discount on purchase’ option.
  • The terms and conditions can be altered/modified at the discretion of GRT Jewellers.

Also Read Joy Alukkas Gold Scheme – Review

How to Pay GRT Gold Scheme Online?


Time needed: 5 minutes

Follow the steps given below for applying for the scheme & payment through the GRT website or App

  1. Download App/Login

    Download the Oriana App on your mobile phone from Google Play or App Store.
    Visit site.

  2. Select the Options

    Choose the enroll in a new jewellery scheme.
    Pay your monthly installment.
    Manage your existing scheme online.

  3. Sign Up

    Click on the “Sign Up” option (New subscriber-only).

  4. Sign Up

    Fill in the mandatory fields such as Name, Mobile Number, etc., and click on the signup button.

  5. Email Confirmation

    The system will send an email with a confirmation link to your email address.
    To complete the sign-up process, Kindly click the confirmation link.
    If you do not receive a confirmation email, Kindly check your spam folder. Also, verify that you entered a valid email address in our sign-up form.

  6. Login

    In the next step, Login using your credential.

  7. Saving Scheme

    Login to your account and in the menu option choose “My Saving Scheme”.

  8. My Account

    Go to the “My Account” option and then click on agree and pay to move to the payment page.

  9. Payment and Receipt

    In the next step, Make the payment digitally by selecting the convenient mode of payment. Customers will get a copy of the advance receipt via email.