Buying gold is a tradition in every Gujarati home. Whether it is a daughter's wedding, a Dhanteras purchase, a baby's first bracelet or simply a family habit of adding a little gold every year, the wish is always the same — own more gold, without the price becoming a burden.
That is exactly why Enishka by Shri Vardhman Ornaments Pvt. Ltd. has created Suvarn Kalp, a gold savings scheme in Ahmedabad designed for real families with real budgets. You save a fixed amount every month, and at maturity Enishka adds free months to your savings — 1, 2 or 3 extra months, depending on the plan you choose. The longer you save, the bigger the bonus.
This guide explains how Suvarn Kalp works, how much you actually gain, who it suits, and how to enrol at our C.G. Road showroom.
What Is Suvarn Kalp?
Suvarn Kalp (सुवर्ण कल्प — literally "the golden plan") is a monthly gold savings plan offered by Enishka, a heritage jewellery house with 26 years of trust in Ahmedabad. It is a simple, disciplined way to build up a jewellery fund month by month, with Enishka rewarding your commitment at the end.
The scheme has three tenures:
| Plan | You pay | Enishka adds | Total value at maturity |
|---|---|---|---|
| 11 + 1 | 11 monthly instalments | 1 month free | 12 months' worth of gold jewellery |
| 18 + 2 | 18 monthly instalments | 2 months free | 20 months' worth of gold jewellery |
| 24 + 3 | 24 monthly instalments | 3 months free | 27 months' worth of gold jewellery |
Your savings are tracked in rupees, you can start with ₹3,000 per month, and the full matured value — your instalments plus the bonus — is redeemable against gold jewellery at Enishka.
How the Suvarn Kalp Gold Scheme Works — Step by Step
- Choose your monthly amount. Any amount from ₹3,000 upwards. Pick a figure you can comfortably set aside every month.
- Choose your tenure. 11 months, 18 months or 24 months.
- Pay your instalment every month at the Enishka showroom.
- Complete the tenure. On the final instalment your plan matures.
- Enishka adds the bonus. One, two or three extra instalments are credited to your account — free.
- Redeem in gold jewellery. Walk in, choose from our full gold collection, and use your matured value towards the purchase.
There is no complicated paperwork, no lock-in beyond the plan itself, and no hidden charges on the savings.
How Much Do You Actually Gain? (Worked Examples)
The bonus is the same as one, two or three of your own instalments — so the more you save each month, the larger the bonus in rupees.
Example at ₹5,000 per month
| Plan | Amount you pay | Bonus from Enishka | Value at maturity | Effective gain on savings |
|---|---|---|---|---|
| 11 + 1 | ₹55,000 | ₹5,000 | ₹60,000 | 9.1% |
| 18 + 2 | ₹90,000 | ₹10,000 | ₹1,00,000 | 11.1% |
| 24 + 3 | ₹1,20,000 | ₹15,000 | ₹1,35,000 | 12.5% |
Example at ₹10,000 per month
| Plan | Amount you pay | Bonus from Enishka | Value at maturity |
|---|---|---|---|
| 11 + 1 | ₹1,10,000 | ₹10,000 | ₹1,20,000 |
| 18 + 2 | ₹1,80,000 | ₹20,000 | ₹2,00,000 |
| 24 + 3 | ₹2,40,000 | ₹30,000 | ₹2,70,000 |
Even the shortest plan gives a 9.1% boost on your own savings. The 24+3 plan gives 12.5% — a bonus that most fixed deposits do not match over a similar period, and it is delivered in the form Gujarati families value most: gold.
Figures are illustrative. Suvarn Kalp is a jewellery purchase scheme, not a financial investment product; the bonus is a credit towards gold jewellery at Enishka.
Why Suvarn Kalp Is Different From Other Gold Schemes in Ahmedabad
Most gold savings schemes in Ahmedabad — including those run by large national chains — offer a single tier, usually 10+1 or 11+1. Suvarn Kalp goes further in three ways.
Three tenures, three bonus levels. If you are saving for something 2 years away — a wedding, an engagement, a milestone anniversary — the 24+3 plan rewards that patience with a bigger bonus, not the same flat one month.
Starts at ₹3,000 a month. An amount most working households in Ahmedabad can set aside comfortably, so young professionals, couples and joint families can all participate without straining the monthly budget.
Redeem across the entire gold collection. Your matured value works on 22kt gold jewellery across categories — rings, necklace sets, bangles, chains, mangalsutra, earrings and pendants — from a jeweller with 26 years of trust in Ahmedabad. You are not restricted to a "scheme-only" selection.
A family jeweller, not a franchise counter. At Enishka you deal directly with the Shah family and a team who know regular customers by name. Your savings sit with a business that has been on C.G. Road for a generation.
Who Should Join Suvarn Kalp?
Families planning a wedding. Wedding gold is the single largest jewellery purchase most families make. Starting the 24+3 plan two years before the date turns a stressful lump sum into 24 manageable payments — and adds three months of gold on top. Pair it with our Wedding Collection when the time comes.
Young salaried professionals. If you have just started earning and want to begin building gold assets, ₹3,000–₹5,000 a month on the 11+1 plan is a painless first step. It builds the saving habit and you end the year with a piece of real gold jewellery.
Parents and grandparents. Many Ahmedabad families open a plan for each child or grandchild — a modern version of the traditional practice of setting aside gold for the next generation.
NRIs and Gujaratis living abroad. Family members in Ahmedabad can enrol and pay on your behalf, so your gold is waiting for you — with bonus added — the next time you visit for a wedding or festival. Talk to us about how to set this up.
Existing Enishka customers. If you already buy from us every Dhanteras or Akshaya Tritiya, Suvarn Kalp simply lets you plan that purchase in advance and get more gold for the same money.
Gold Savings vs Buying Gold in One Go
| Buying at once | Suvarn Kalp | |
|---|---|---|
| Cash needed | Large lump sum | From ₹3,000/month |
| Bonus | None | 1–3 months free |
| Budget impact | High, one-time | Spread over 11–24 months |
| Discipline | Depends on you | Built in |
| Best for | Immediate need | Planned purchases: weddings, festivals, milestones |
Important Terms to Know Before You Enrol
We believe in being clear upfront. Here is what to keep in mind:
- Bonus is paid only on maturity. The free months are credited when you complete all instalments of your chosen tenure. If you exit the plan early, you can use the amount you have paid towards gold jewellery, but the bonus months will not apply.
- Savings are in rupees, not grams. Your account holds the rupee value you have paid. Gold is priced at the prevailing rate on the day you redeem.
- Redemption is against gold jewellery only. The matured value cannot be withdrawn as cash or used for silver or diamond jewellery.
- Enrolment and payments are at the showroom. Visit Enishka on C.G. Road, Navrangpura, to open your plan.
- Minimum instalment is ₹3,000 per month. There is no upper limit — choose what suits you.
How to Enrol in Suvarn Kalp
- Visit Enishka by Shri Vardhman Ornaments, C.G. Road, Navrangpura, Ahmedabad.
- Carry a valid ID proof.
- Choose your monthly amount and tenure (11+1, 18+2 or 24+3).
- Pay your first instalment and collect your Suvarn Kalp passbook / account details.
- Continue monthly. We will remind you before each due date.
Have questions before you visit? Call or WhatsApp the showroom and our team will walk you through the plan.
Start Your Gold Journey Today
Gold has always been the Gujarati family's most trusted asset. Suvarn Kalp makes owning it easier, more affordable and more rewarding. Choose your plan, save a little every month, and let Enishka add the extra gold.
Visit the showroom this week and open your Suvarn Kalp account — your future self, and your family, will thank you.
Frequently Asked Questions — Suvarn Kalp Gold Savings Scheme
What is the Suvarn Kalp gold savings scheme?
Suvarn Kalp is a monthly gold savings scheme by Enishka, Ahmedabad. You pay a fixed amount every month for 11, 18 or 24 months, and at maturity Enishka adds 1, 2 or 3 free months respectively. The total value is redeemable against gold jewellery at Enishka.
What is the minimum monthly amount for Suvarn Kalp?
The minimum instalment is ₹3,000 per month. There is no maximum limit.
Which plan gives the highest bonus?
The 24+3 plan gives the highest bonus — three free months, equal to 12.5% of what you pay. The 18+2 plan gives 11.1% and the 11+1 plan gives 9.1%.
Is the bonus given in gold or in rupees?
Savings are tracked in rupees. At maturity the bonus months are credited as rupee value to your account, and the total is used to buy gold jewellery at the gold rate on the day of purchase.
Can I redeem Suvarn Kalp for diamond or silver jewellery?
No. The matured value is redeemable against gold jewellery only.
What happens if I stop paying before the plan matures?
The amount you have paid remains yours to use towards gold jewellery at Enishka, but the bonus months are given only on full maturity, so an early exit does not qualify for the bonus.
Can I get cash back instead of jewellery?
No. Suvarn Kalp is a jewellery purchase scheme; the matured value is redeemable only as gold jewellery at Enishka.
Can I join the scheme online?
Enrolment and monthly payments are currently done at the Enishka showroom on C.G. Road, Navrangpura, Ahmedabad.
Can NRIs or family members abroad participate?
Yes. A family member in Ahmedabad can open and operate the plan on your behalf, and you can redeem the matured value when you visit. Speak to our team for details.
Is Suvarn Kalp an ongoing scheme or a limited-period offer?
Suvarn Kalp is an ongoing scheme. You can enrol at any time of the year.
Is there any registration fee or hidden charge?
There is no registration fee. Your entire monthly amount goes into your savings account.
Can I open more than one Suvarn Kalp plan?
Yes. Many families open separate plans for different family members or different purchases.
Where is the Enishka showroom?
Enishka by Shri Vardhman Ornaments Pvt. Ltd. is located on C.G. Road, Navrangpura, Ahmedabad, Gujarat.
