Gold chit Schemes వల్ల లాభమా ✅నష్టమా❌ | బంగారం Scheme వెనుక అసలు నిజం | Real Truth of Gold Chits

[@MoneyPurse]

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[@ravikrishna1631]

Hello bro....pmsby and pmjjby ee rendu schemes salaried and tax paying employees kuda apply cheyacha? I heard like ippudu money kattinchukuntaru kani claim chesedapudu issues vasthai ,tax paying vallaki money ivvaru ani....is it true? Please clary my doubt....plz someone reply to my comment

[@over2vaishnavi954]

​@@ravikrishna1631no, any one can apply for pmsby and pmjjby. That rule is applicable for APY only

[@sahasragoldcollections6293]

నెక్స్ట్ టైం గోల్డ్ జ్యువెలరీ పై వీడియో చేసేటప్పుడు నన్ను సంప్రదించండి. మీ సబ్స్క్రబర్ గా పూర్తి సమాచారాన్ని అందిస్తాను. గత 19 సంవత్సరాలుగా నేను ఈ ఫీల్డ్ లో ఉన్నాను. బంగారం ఎక్కడ కొన్న ఎవరివద్ద వద్ద కొన్న, కస్టమర్ తీసుకోవాల్సిన జాగ్రత్తలు క్వాలిటీ,VA మరియు పాత ఆభరణాల మార్పిడి కీ సంబంధించిన అన్ని వివరాలు పూర్తిగా అందిస్తాను.

[@raghunadh3368]

Ikkada okka point meru vadilesaru, ee scheme lo manam purchase chese gold ki gst matram separate ga pay cheyyali. Example manam 11months ki 55k kattam anukondi manam select chesukunna ornament value 53k and gst 2k ayite vallu gst andulo adjust cheyyaru. Manam 55k gold teesukovalsinde and gst separate ga pay cheyyali, if ornament 54k ayina kuda vallu 1k venakki yivvaru and gst lo adjust cheyyaru. Plz like the comment if this point is valid.

[@LakshmiDevi-we6jp]

Ledhandi migilina amount GST lo add chestharu

[@rajendhra25]

?

[@sanjuexplore]

Adi gold scheme raja, gst or tax scheme kaadu😊

[@naveennvn6893]

Didn't get the required information bro. Miru with scheme and without scheme jewelry konte enta differences vastayo chepte bagundedi

[@srig7638]

My personal experience in Malbar gold I have chosen no bonus scheme, every month I paid 5000 and in app also they shown equavalent gold value, but after completing scheme period I accumulated gold of 9.83 Gms, but they calculated average gold value of all months this resulted me loss of 3K, I didnt like jewellery but i forced to purchase there, these are not at all worthy schemes, if you put even RD you get better returns with choice to purchase whereever you want

[@MoneyPurse]

Thanks for sharing

[@mjteluguvlogs2123]

18% antaru bt mana bargain chesthe taggistaru.... Ipudu konni shops a limits tisesaru

[@geetha213]

E video chusaka naku endhuku vachina bhada nenu Money unapudu konukunta .😢 Thanks anna

[@suryaprakash-m6l]

I don't think bad practice. Rather thinking about companies , think what benefit we are getting... The discipline of accumulating gold every year. There won't be much risk, it will be very small. max 1lakh. for middle class , its best option to go with this Ofcourse , there are small risk but don't worry. I have doing this from last 5 years. Plan for every B'day or Anniversary.

[@drbh6331]

exactly .

[@VestigeLife_915]

Schemes system k Sai garu not bad but tarugu charges high chupinchi tadvara profits high Lo sampadistunnaru 😅wonderful info 🎉❤tqs alot

[@paulankith]

Sir anduke nenu final jewellery tisukodaniki vellinappudu mundu nenu cash purchase Ani cheptha vallu normal prices istaru final payment lo scheme Ani chepta

[@Vivek_panthala]

Thanks sir naaku chaala doubts vundevi Eroju clear ayyay...

[@Entdoc2010]

Hello team money purse Our family watches your videos on TV I think bass ekuva pedutharu Vintunapudu chala ibandi ga undi Keep the voice and volume simple Thanks

[@anilop6543]

Nothing like that. Your sound system might have over bass

[@hosamanesanthosh1639]

I had been paying scheme in Lalitha jewelry from 2017, am very happy to saveed gold in easy schems 😊

[@raghunandan8390]

It not pure gold

[@hosamanesanthosh1639]

Ya I know

[@chaitanya___]

​@@raghunandan8390 there is no pure gold in all over India 😅

[@ajmmaj2172]

Means it's non kdm

[@MrSomeshvaranasi]

IMA Jewellers Bangalore, 3% interest ista ani cheppi board tippesaru. Next time mention cheyyandi. But hatsoff to you for raising awareness in the common public. Fantastic job. Every point whatever you mentioned is right. Actual ga legalties lo vunna gaps use chesukuni ee jewelery shops janala money tho aata aadukuntunnaru. Anta savyam ga velte ee schemes bagane vuntay. But yemanna teda vaste mottam government kk baram padtadi. Ponzi scheme type lo. To be honest its not safe to put money with jewelry shops. Thanks again for sharing complete fair information to public. 🙏👍👏

[@AjayKumar-hi7ks]

In Malabar gold ,if u buy with scheme,,wastage charges are very high….without scheme wastage charges are low…worst experience from malabar

[@waheedera]

This is what I'm trying to understand. Without scheme if I go there for purchasing a jewellery and assume they've quoted 22% making charges I will bargain and get that reduced to say 16%. I'm very doubtful if they allow me to bargain with the scheme even if they did they may quote more making charges before itself.

[@lionjayaram8179]

​@waheederain that case before selecting the product don't tell to that salesman that you have a Gold scheme after all selection and bargaining completed then you tell that I have a scheme for redemption. Then you will get a good price. This is just a suggestion ..

[@SoudaminiKuna]

Good idea

[@BHAARATIYASANSKRUTI]

Sir You forgot to compare the returns of these gold schemes with that of mutual funds or stocks. Please add that point also so that we can judge where to invest

[@Green_Parrot_Finance]

Asset classes అంటారు. Stocks వేరు, gold వేరు. దేని plus point and minus points దానికి ఉంటాయి. ఒక దాన్లోనే invest చెయ్యకుండా కొంత వేరే దాన్లో invest చెయ్యడం వల్ల diversification అనేది జరుగుతుంది.

[@RIGHTLEFTNEWS]

గోల్డ్ షాప్ ఆయన కూడా అంత బాగా యాక్ట్ చెయ్యడు.... మన sir ఇరగ దిసారు

[@ramanachodavarapu881]

Super video and explanation sai sir inko gold scheme kuda vundhi ade old jewellery scheme dani gurinchi kuda cheppandi............

[@rakeshsuraneni1416]

Yesterday same discussion happened b/w me and my wife. Today video came. Thank you money purse team 🤝

[@Venkat.devisetti]

So what u decided?

[@MoneyPurse]

Most welcome

[@rakeshgangireddy8397]

Should have added few details about sovereign gold bond too

[@balajikk4371]

Very good information sai garu,nenu kalyan jewellers lo every month 5000 kaduthuna ,e video naaku chaala help aiendi

[@radhag2015]

Kalyan lo scheme bagunda andi?

[@balajikk4371]

Ok no bonus,only money equal gold , services ok

[@nrisouthindiangirl]

Kalyana kante Lalitha joy alukas best

[@radhag2015]

@nrisouthindiangirl avnaa, ee year lo scheme ela undoo. End consumers ga ikkada correct opinion cheptaru evarina ani asking :)

[@sairam-ic9bj]

My mom entered two schemes in Kalyan jewellers, there are no good models to buy at that time of purchase, to give order they are asking to pay 40% of jewellery cost from our pockets(they are not deducting from schemes)

[@pvachary6540]

సర్, వీడియో చాలా బాగుంది. మంచి ఇన్ఫర్మేషన్ ని ప్రెసెంట్ చేశారు. థాంక్ యు.

[@deepam2994]

Nakaithe eppudu gold scheme loss anipinchaledu. Since 6 years Khazana Jewellery lo scheme kadutunna. I'm happy.

[@Vasuvasu917]

My personal tip after buying gold through scheme for 2 years 1)sudden ga gold konali antae chinna shop antae me family regular ga konna shop lo konali 2) regular ga kontae shopping malls ki povali through scheme only general ga velli kontae va vasipotadhi adhae chinna shops lo aetae per tula ki 5-7k tesukuntaru +making 1-3k tesukuntaru ornament batti but very limited options untai anthae

[@Phoebe06]

Kani avi 91 hall mark unnavi ammaru manaki cheppatam ala cheptharu but avi pure gold kadhu I faced that few years back

[@baskaranpc6527]

Especially your gold wearing photos and your team action really Amazing .

[@Ranga_Reddy]

Thanks Sai anna and MP....I have been part of Lalitha jewellery

[@sirivookoti6029]

I also paid like that for 5years, but finally i understand that, stone work unnavi konelaga chestharu like rubees and emaralds, stones ki cost vestharu, manam vere shop ki velli veellu stones ki ichina certificate chupisthe kuda 5% of the cost kuda ivvaru. Asalu chala mosam untadhi. Better to save the money and go to the shop to buy.

[@vishnusaikumargupta9167]

You should not buy...the jewel having stones r emeralds...need to buy which has highest MC and plain gold ...so it results more profit to buyer

[@surendraayitha2558]

@@vishnusaikumargupta9167bhayya pellayina vaadiki Anni options undavu

[@vishnusaikumargupta9167]

Edi correct e baboi😂🤣🤡

[@arrao633]

​​@@surendraayitha2558 నిజమే 😂😂😂😂

[@hemanthv9114]

malabar gold lamti showrooms lo scheme complete ayipote money return kavalante return ichestam but account ki transfer chestam antunaru. without any intrest.

[@tulasiyasaswi]

gold bonds buy chestetapudu oka rate untadi, sale chesetapudu oka rate untadi . Edayna maki loss

[@madhusudhan.K]

Anna, plz do a short about ETFS, which you said last in video..

[@prabhakarkandula]

Veetannikantay management daggara monthly entha amount untay aa amount ko saripada chinna pieces teesukuni gold Smith daggara kavalsina design cheinchukovachu. Tarugu ledu antaaru kaani Mari design charges enduku...avva peray baamma...18 20% lu emiti andi babau...nenu showroom lo konanu...ee rojullo goldsmith lu kooda KDM chesutunnaru...so no need of showrooma...

[@praveenkumar-ti3pw]

Nenu chandana brothers lo invest chesanu monthly 10k, next month ipotundi 11 months❤

[@shijukanobita4365]

😊

[@sunilshinde1000]

I was expecting you would give analysis of ROI and IRR but it was mostly concept based discussion

[@MAHESHKUMAR-bly]

invest regularly in gold etf rather these ,,, we can buy our favourite gold after researching in various brands and shops,,, dont got struck with single brand

[@vikranththota8605]

18 % waver ani cheppi 20 above 30 above va vestaru ornamentski adhe chinna shops lo 18% kante thakkuve va untundhi. Va penchesi 18 % thagincha ani cheptaru.

[@sriharsha7899]

Bro, since you requested, I am commenting this. 2 points missed to cover. 1. wat if we buy the product for less amount than the paid amount. How will we get remaining balance. 2.why every jeweller providing scheme only for 11 months not more than it.

[@akhil2088]

If we buy product for less amount also same 18% making charges waiver Only 11 months if the company is pvt ltd if it is public listed maybe they can extend period more than 11 months

[@madanraju2597]

1. Is if you buy remaining amount if it is less or around 10k they will pay you cash ..

[@akhil2088]

@@madanraju2597if u pay 10 k then upto 110000 they will waive making charges up to 18% if u want to buy item less than the amount the charges waived for that amount only they will not pay cash..if u want to buy item more than the amount u paid the they will waive only upto ur amount for remaining u need to pay making charges from ur pocket

[@sandeepmursubai7549]

1.They won't return extra excess amount 2.They will use money for rotation their business

[@rajeevjaggavarapu4019]

@moneyPurse only problem is paying TAXs for returns on selling ETF.(long term vs short term)

[@sreenig6670]

Thanks for your valuable information to All Money Purse Viewers ❤😊🙏👌👍 I ran scheme in Joyalukkas jewellery....I didn't like model but had to purchase gold. There is no option 😢

[@techmadhu9325]

Everyone is facing the same

[@rajendraundrajavarapu8406]

Gold etf లో every installment కి 3 percent gst ఉంటుంది. The actual amount paid is 3 percent more than the cost of gold and maybe there will collect gst while selling gold etfs

[@achuarjun07]

Rate of return entha vasthadi end of the tenure ani chepithe useful avthadi

[@vinodkumar-lq7oo]

Cons: if you dont like jewel in Joyalukas you can get cash or equivalent gold coins So thats not a problem.. similar to middle drop amount

[@rameshtamarana7558]

Yes GRT will give cash just in case middle drop

[@venkynavya1]

Actually meru e offer lu chustunaru coins estunaru ane Kani meru thisukune item okasari baita kariginchi chudandi ..916 items also 86 persatage vastundhi..so valu Ani kottlu peti showroom petina valu hall mark missions also vale petukukoni people's ni mosam chestunaru basic ga eve ane avaru alochincharu

[@sayanasrinivas1349]

Excellent analysis.. every gold purchaser should follow your advise..

[@sbalu768]

పెద్ద షాప్ లకి వెళ్లి 18% మేకింగ్ చార్జెస్, 3% gst పెట్టే బదులు మీకు నమ్మకం ఉన్న చిన్న షాపులో నగలు చేయించుకోండి 10% / 12% నికే చేసి ఇస్తారు లేదా చేయించి ఇస్తారు🙏

[@HappyLife29162]

First nundi telisina shop ane vellamu 24 grams ki 5 grams tarugu vundi. ragi silver add chesaru kani gold cost vesaru. Show room lo konna bangaram 24 grams ki 2grams matrame tarugu vundi

[@suryareddy4910]

​@@HappyLife29162 Yes correct ga chepparu gold emo 22crt istaru rate emo 24crt ki vestaru

[@neeliman1941]

Hallmark huid kuda ఇవ్వరు just దానిపై 22k అని రాసి ఇస్తారు అంతే

[@nudurumativenkatasubbarao4901]

మీది గోల్డ్ షాప్ అక్కడ

[@Avaniyerragunta]

Most of the time they give 20 k only, charges 24 k gold price with out making, va charges

[@koteswararao.a1272]

Paid artist lu super chesaru ❤❤❤❤❤

[@akhileshkatanguri1303]

If we invest in a GOLD ETF we need to pay tax as per our income tax slab.But if we join in the gold scheme we can escape paying income tax on capital gains. Correct me if iam wrong

[@batchuganesh5083]

Yes what you said is correct but u can accepted risk with gold schemes.

[@ravindranaidu8547]

Very informative and useful topic Sai garu. Thanks for sharing 🎉

[@Kumarkodanda]

@MoneyPurse Thanks for the video and it was very helpful, Could you explain about Gold ETF's and the process to adopt those and also pros and cons for that?

[@saikirang3828]

I have paid for 2 years … definitely work avtundi … okesari konalante kastam kada so people like us will be benefitted… I recommend to choose only top jewellers

[@mallikamadineni7840]

A money edo maname rd lo save cheyatam better vallaku kattadam knte

[@saivamshi7740]

@@mallikamadineni7840RD’s interest is around 7-8% while these schemes waive off making charges up to 18%. You would be in a loss of 10%.

[@sivaganesh6313]

Very well explained. One more point to add, even if we don't have any scheme they give us around 20-30% discount on VAS..with scheme 50%. More cons than pros.

[@sasikanth91]

Correct

[@jagadeeshsmash462]

ardham kale

[@waheedera]

​@jagadeeshsmash462 Ornament purchase lo major 3 components 1. Metal value (No. Of grams x per gram value) 2. VA (Making charges + Wastage) 3. GST on total value Indulo 1 & 3 we can't ask the shop to reduce But 2nd di manam bargain cheyochu Ante shop vallu VA motham 22% ani quotation lo vesthe daanini 12% cheyandi ani manam bargain chesthe salesperson kaasepu atuitu thirigi final 16% chestham sir antadu So first cheppina 22% nundi 16% ki thaggadam valla e scheme lekundaane manaku 4% kalisi vachindi Ade scheme through velthe vallu bargain cheyaniyyaru uñna charges meeda mana scheme allow chese % charges reduce chestharu anthe

[@Fam_vlogs-x4u]

Thank you. Even I was trapped with same concept.

[@MoneyPurse]

Most welcome

[@naveenkumar5255]

Good info. I am using this schemes from the last 4 years and yes I am happy with the scenes. No need to pay at a time and no need to pay Wastage. It's good

[@DineshV-ys6jv]

A shop lo sceme thisukunaru

[@dr.anirudhckv1974]

One more scheme u missed is gold exchange, u can give your old gold and after 11 months equal weight of gold can be purchased without vas, ur view on that?

[@sandeepmursubai7549]

I heard this in Chennai shopping mall but it's 6 months only

[@arunagude6063]

Maku complete knowledge vachindi sai garu kani EDI maku aete ma husband ki valla to enka gold scheme konipinchukolem

[@adityakadali1504]

Anna Gold loan gurinchi chpndi pros and cons @Moneypurse

[@narenderramavath717]

Very informative for gold schemes

[@shailesh6355]

Very good information Correct time lo post chesaru . thanks alot

[@venkatanaveen9379]

Good information sir. Thumbnail aitee keekaaa undiii😅😅

[@rakeshannakula4290]

Thank you for the valuable info. MP team. Saigaru few months back nenu na wife ki small gift echa from reliance jewelry. Now they r calling and asking ru interested in purchase new models came and return the item which I purchased. Now am getting doubt is it original or not ani.

[@laharinaveenaadari3412]

We can give order for the model that we want in our requisite grams even in scheme also. That is not a problem in scheme.

[@chandrasekhar1253]

బాగా చెప్పారండీ . ఇష్టం , రిస్క్ వున్నవాళ్ళు తీసుకుంటారు

[@sarathbabu9479]

Hai Sai garu, thanks for the Viedeo it is really helpful for us. I think in the beginning of viedeo you told that why unlisted companies run 11 months scheme but listed one running for more than 11 months scheme that briefing missed at last of viedoe can you please brief that

[@sandeepmursubai7549]

Majority of the shop running 11months scheme only

[@laha3602]

Ee schemes lo XIRR Entho cheppalsindhi...but I will try to calculate

[@sreekanthreddy197]

Gold వద్దూ అనుకుంటే మనం కట్టిన అమౌంట్ మాత్రమే చెక్ ఇస్తున్నారు KHAZANA లో....

[@manojram617]

Lalitha lo scheme valla oka 40k saved.. Scheme tiskovadam benefit e kadha * unless bankrupt avakapothe

[@dancewithsasi8784]

thankyou soooo much sir.... Naku vunna prathi doubt clear ayendi ....

[@MoneyPurse]

Most welcome

[@ysnm859]

Very good information provided by you with pros and cons. Please make a video on gold ETF

[@nagalakshmigooty4935]

Gold schems Lo invest chese varu jagrathaga aalochinchukoni vellandi mosapokandi Ee sir chala baga explain chese chepparu mariyu endulovunde labha nashttalu Anni aratipandu olichi notilo pettinatluga cheppinaru

[@moviezworld4073]

Dhanikanna nifty50 lo 1 year invest cheskoni avsaramainappudu withdraw chesi gold buy cheyadam better

[@musically94]

Making charges anedi untundi direct ga buy chesinapudu

[@musically94]

Whatever profit u got in one yr...16-20 %... Avi making charges ki saripotai

[@devendraa7403]

Where should I buy 24 carot gold with market price and get after accumulating 50g or 100g biscuits?

[@vishnukanth5993]

Gold ETF meeda vedio share cheyyandi anna . How to buy and market physical gold impact on ETF ( rise and fall calculations ) ?

[@kishoreak1937]

Tq sai Anna I'm in last month payment (11th) on the scheme

[@sravanisravani8506]

Gold teskunnaraaa

[@kallapellikaimalkumar8962]

Meeru super sir. Helping the middle class of India❤

[@nandeeshr591]

u can even tabulate in one pager about listed players financial results or their latest data n show....

[@anilmukka2845]

Miru cheppindhi correct anna kani gold oka scham ani rasi vacham anuko monthly yella ayina kadtam after 11 months. Koncham amount pedthe koncham gold vastundi adhe okasari konali ante kudharadhu alage miru last lo etf chepparu kada andhulo risk. Undadha and last varaku pay chesaka gst paduthundi kada anna

[@SravannewVlogs]

Lalithalo manaki nachina. Disgen chupinchi cheyinchukovachu

[@venkataratnamdevulapalli4998]

2023 లో బెంగళూరు లో శ్రీవైభవ గోల్డ్ రాజరాజేశ్వరీ నగర్ లో కోన్ని కోట్లు మొసంచేసి చాలా పెద్ద షాప్ నుండి రాత్రి కి రాత్రి మూసేశారు. మేము లక్షా యాభై వేల రూపాయలు నష్టపోయూము. పోలీసులు కు,సి ఐడి ఆఫీసులో భాదితులందరము కంప్లీట్ ఇచ్చాం.ఇప్పటికి దోరకలేదు.😭

[@GaneshKumar-ko8fi]

Meru chepina benifits ani bonus+100% vas waveoff + no cap of 18% vas+ get your design they might make it you can get your money back if dont want to buy gold ani una scheme okati undi bro Lalita jewelers there collection might not be premium but schemes are for middle and lower middle class

[@vinaykumar-141]

Good morning money purse team

[@saiavinash319]

Ee schemes lo inkoka hidden point untadi..miru 11 months kattesina tarwata ventane purchase cheyakudadu there is some gap like 20 more days..incase miku 11month pay chesaka immediate ga purchase ki velte you will only get 80% VAS discount in 18% wastage.aa gap tarwata velte you will get full 18% wastage discount

[@ashwinivallem5978]

Meeru cheppinadhantlo chalaa thappulu unnai 1.manam madhyalo aapesthe vaallu money istharu 2.manaku nachaka pothe manaki nachina design ni cheinchukovachu 3.meeru close chesina jewelry shop eppudu vinaledhu

[@SVShabariGirish]

Tanishq has option if you don’t want gold, they will deposit the amount you paid till date. Minus point is you will not get bonus

[@rakeshreddy566]

in this case, they will return the money and will give Titan coupons of the value instead of bonus..

[@sindhusindhuchowdarycheruk1132]

Monthly chitti kattadam profit r loss vedio chyadi sir

[@vmnikkichannel]

Nice explanation 😊

[@phaneendramettapalli9394]

Hi team money purse, I prefer investing in gold mutual funds or ETF instead of taking these gold schemes

[@ROHITSIRIGIRI]

Thanks for the Video MP Team

[@Chukkapoornima]

Nenu ayte gold schemes waste aney antanu. Instead of that chitti katti konukkovatam best anukuntunna

[@deekshithareddy1305]

Grt melu bayya. Nenu two times pay chesanu chala better deal vachindi naku

[@dhanudeep9037]

Schems are good only if u planned well and buy pure gold jewellery , if u opted for stones or something like that then its no use

[@gangadevi2877]

Hello Sai Sir… can you make a video how to buy gold in bonds?

[@nagarajuch8583]

And it’s also need to add ETF reddem time you have to pay tax as per slab And you have to pay VAS at gold shop

[@shivab4048]

Nice information sai garu...mari meru emi ayina schemes lo join ayiaru or gold etf perfer chesaru a 😉

[@VccWatergrid]

PLEASE EXPLAIN REGARDING GOLDEN ETF SCHEMES

[@sagarsampth]

First we started the scheme in vaibhav in 2012 i think it was a good scheme

[@prasanthvaddadhi9294]

Etf sell chesi gold konali ante malli extra making charges pay cheyyali. ETF lo pettam ani chepthe shop vadu MC remove cheyyadu kada 😂. U can say that ETF lo invest chesthe money appreciate avtindi kada ani but manam gold purchase chese time ki etf value down avvachu kada u may into loss too. So if u want to buy gold jewellery schemes are the best way.

[@roopapathi4889]

Sir thank u very much for sharing the knowledge. ..kindly suggest good gold etfs

[@ootec1]

Connecting to this program might be attractive for middle-class families, but there's a potential downside. While you may receive benefits like 5,000 for 10 times in schemes, missing a single payment (like on the 11th time - 11scheme) could erase all the benefits earned over the past 10 years.

[@subratkumarsahoo1946]

10 years?

[@BalajiKumarPatnam]

Thankyou bro. Good Content.

[@Herambsaiteluguyoutube]

Very good explanation 😊

[@mahij8629]

Anna can you make gold purchasing time calculation

[@VSK999]

SIR WHAT IF GOLD RATE IS HIGH ON THE 12th MONTH.CAN WE BUY AFTER SOME DAYS.

[@nikhilreddy8821]

biggest benefit :- You can pay through Credit card ( U can pay each installment after 45 days + reward points)

[@joshiswetha8207]

You cannot opt for Emi for gold purchase

[@BluePegion]

No reward points for gwelery now