Swarna Shree

Every Instalment You Save, Grows Into Jewellery You'll Treasure

by Zinzuwadia Jewellers

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BIS Hallmarked
10-Month Scheme
Zero Hidden Charges
5000+ Happy Families
Trusted Since 1969
Certified Diamonds
Swarna Shree Jewellery
56+
Years of Trust

Our Story

Jewellery that's also a
Smart Investment

At Zinzuwadia Jewellers, we believe that owning fine jewellery should never feel like a financial burden. The Swarna Shree scheme lets you build your dream collection month by month — and rewards your commitment with a generous jeweller's bonus at maturity.

Whether you're saving for a wedding, a celebration, or simply building your legacy — enrol in one simple plan and choose your jewellery when the time feels right.

10
Months to Complete
75%
Bonus on Gold Jewellery
100%
Bonus on Diamond Jewellery
₹5K+
Min. Monthly Instalment

Our Savings Scheme

The Swarna Shree Plan

One plan. 10 monthly instalments. Walk into our showroom at maturity and choose your dream jewellery — your bonus is waiting for you.

One Plan · All Jewellery

Swarna Shree Plan

Save monthly — shop your dream at maturity

+75%
ON GOLD JEWELLERY
+100%
ON DIAMOND JEWELLERY

Bonus applied at the time of purchase based on your jewellery selection — no upfront commitment needed.

  • Pay your chosen instalment for 10 consecutive months
  • Minimum instalment: ₹5,000 / month (any multiple of ₹1,000)
  • In month 11, we add a jeweller's bonus based on what you choose to buy
  • Choose gold, diamond, polki, bridal — the entire collection is open to you
  • BIS Hallmarked gold · IGI / GIA certified diamonds — purity guaranteed
  • Zero joining fee · zero hidden charges · certificate on enrolment
Enrol in Swarna Shree Plan

Your Bonus at Maturity

How the Bonus Works

Enrol once. Pay for 10 months. Then walk into our showroom and choose what you love — your bonus is added on the spot.

Swarna Shree Plan
10
Months
₹5K+
Min / Month
Zero
Hidden Fees

If you choose

Gold Jewellery

Handcrafted · BIS Hallmarked · All designs

+75%
Jeweller's Bonus
Bonus on 11th Month EMI Value
Jewellery Gold — all designs & collections
Purity ✓ BIS Hallmarked
Example — ₹10,000 / month
₹1,00,000 paid  +  ₹7,500 bonus
Shop for jewellery worth ₹1,07,500
Enrol Now
Max Bonus

If you choose

Diamond Jewellery

Diamond · Polki · Uncut Diamond

+100%
Full Jeweller's Bonus
Bonus on 11th Month EMI Value
Jewellery Diamond, Polki & Uncut Diamond
Purity ✓ IGI / GIA Certified
Example — ₹10,000 / month
₹1,00,000 paid  +  ₹10,000 bonus
Shop for jewellery worth ₹1,10,000
Enrol Now

✦  You do not need to decide at the time of enrolment — the bonus is applied based on your jewellery selection at maturity.

Simple & Transparent

How the Scheme Works

A four-step process that turns small monthly savings into a jewellery treasure — with a generous bonus built in.

1

Enrol in Swarna Shree

One plan, no upfront jewellery decision needed. Just choose your monthly instalment — starting from ₹5,000.

2

Pay for 10 Months

Make 10 equal monthly payments. Every instalment is recorded and linked to your account with a receipt.

3

Earn Your Bonus

In month 11, we add a jeweller's bonus — 75% on gold jewellery or 100% on diamond jewellery — decided at the time you shop.

4

Shop Your Dream Piece

Walk into our showroom, pick anything you love from our full collection, and redeem your total value — including your bonus.

Plan Your Savings

Scheme Calculator

See exactly how much jewellery value you'll accumulate before you enrol.

You can change your jewellery choice right up to the time of purchase — this is for illustration only.

Monthly Instalment₹5,000
Months Paid10 months
Total Paid by You₹1,00,000
Jeweller's Bonus (11th Month)₹7,500
Total Jewellery Value₹1,07,500

Gold Plan: Save ₹50,000 over 10 months and receive ₹3,750 (75% of ₹5,000) as a jeweller's bonus.

Why Swarna Shree

Built on Trust & Tradition

Certified Purity

Every gold piece is BIS Hallmarked; diamonds come IGI or GIA certified. What you see is exactly what you get.

Flexible Timing

Start any month of the year. Complete your 10 months and redeem when you're ready to celebrate.

Zero Extra Cost

No joining fee, no processing charge, no hidden deductions. Your instalment is your investment — nothing more.

Digital Receipts

Every payment is tracked and receipted digitally. Your passbook and scheme certificate are available anytime.

Family Plans

Enrol multiple family members and build a jewellery legacy for your entire household together.

Growing Value

Gold is a time-tested store of value. Your savings naturally benefit from gold price appreciation over 10 months.

Customer Stories

Families Who Trusted Us

★★★★★
"

I enrolled in the Diamond Plan for my daughter's wedding jewellery. The 100% bonus in the 11th month was extraordinary — we got the bridal set we always dreamed of, well within budget.

P
Priya Ramanathan
Chennai
★★★★★
"

I've completed three Gold Plan cycles over the years. The process is seamless, the jewellery quality is exceptional, and the 75% bonus makes it the smartest way to buy gold.

S
Suresh Iyer
Coimbatore
★★★★★
"

Swarna Shree's scheme helped me buy my mother's anniversary gift without financial stress. The transparency, the receipts, the quality — everything is first class.

A
Ananya Krishnan
Bangalore

Got Questions?

Frequently Asked Questions

What is the minimum instalment amount?

The Swarna Shree Plan starts from ₹5,000 per month. You may choose any amount above this minimum in multiples of ₹1,000.

How exactly does the 11th month bonus work?

After you complete 10 months of payments, Swarna Shree adds a jeweller's bonus at the time you shop. If you choose gold jewellery, the bonus is 75% of your monthly instalment. If you choose diamond jewellery, it is 100%. You don't need to decide this at the time of enrolment.

Can I withdraw or pause mid-scheme?

Early withdrawal is allowed only within the first 6 months. If you exit before completing 6 months, the amount paid (minus any processing charge) will be refunded in full. After 6 months your investment is locked — no cash refund is possible. However, you may still redeem the accumulated amount against jewellery from our collection at any time after that.

When is the bonus credited and what can it be used for?

The jeweller's bonus is credited after the successful completion of your 10th monthly instalment. It is applicable exclusively towards jewellery purchases — it cannot be redeemed for cash, coins, bullions, or gift vouchers. The bonus is calculated as 75% of your monthly instalment (Gold) or 100% (Diamond) and is added to your total scheme value at the time of purchase.

Can I enrol family members under the same scheme?

Each Swarna Shree enrolment is individual — a separate passbook and scheme certificate is issued per member. Family members (spouse, children, parents) can each enrol independently. However, two or more scheme accounts cannot be clubbed or merged at the time of redemption. Each account redeems separately.

Can I use the scheme to buy 24k gold, coins, bullions, or solitaires?

No. The Swarna Shree scheme is redeemable only against crafted jewellery — gold, diamond, polki, and uncut diamond pieces from our collection. The following are explicitly excluded: 24k gold bars, gold coins, silver, bullions, solitaire diamonds, gift articles, and cash vouchers. The bonus also does not apply to these items.

What documents are needed to enrol?

You will need: (1) a valid government-issued photo ID — Aadhaar Card, PAN Card, or Passport; (2) your mobile number for scheme communications; and (3) your nominee's full name and ID number (Aadhaar or PAN). A nominee is mandatory at the time of enrolment. Our team will guide you through the complete process.

Begin Your Journey

Swarna Shree Enrolment Form

Fill in your details below and our team will contact you within 24 hours to complete your registration.

1
You
2
Contact
3
Plan
4
KYC
5
Nominee
6
Confirm
Step 1 of 6
Tell us about yourself
Your personal details as they appear on your ID.
Step 1 of 6
Step 2 of 6
How can we reach you?
Your contact and address details for scheme communications.
+91
Step 2 of 6
Step 3 of 6
Choose your plan
Pick the jewellery type and set your monthly savings amount.
You are enrolling in
Swarna Shree Plan
by Zinzuwadia Jewellers
10
Months
75–100%
Bonus
Zero
Hidden Fees
✦  Gold jewellery: +75% bonus  ·  Diamond jewellery: +100% bonus  ·  Decided at maturity
₹
Min ₹5,000 · Multiples of ₹1,000
Step 3 of 6
Step 4 of 6
Identity verification
Your KYC details are encrypted and kept strictly confidential.
12-digit Aadhaar (UIDAI)
Required for amounts above ₹50,000
🪪
Front side of AadhaarJPG, PNG or PDF · Max 5 MB
🪪
Back side of AadhaarJPG, PNG or PDF · Max 5 MB
📄
Upload PAN cardJPG, PNG or PDF · Max 5 MB
📸
Recent passport-size photoJPG or PNG · Max 5 MB
Step 4 of 6
Step 5 of 6
Nominee details
Your nominee will manage or receive the scheme benefits if needed.
+91
Mandatory as per scheme terms
👤
Click to upload Nominee's IDAadhaar / PAN · JPG, PNG or PDF · Max 5 MB
Step 5 of 6
Step 6 of 6
Almost done!
Please read and confirm before we submit your enrolment.
Step 6 of 6