Save a little each month. Buy gold at the end.

The day your last paid instalment is confirmed. The free months are added on top of what you actually sent, so a plan that was short by a month is credited short by a month — and never more.

No, and that is the honest part: the wallet holds rupees. When you spend it, the piece is priced at the market rate of that day — the same rate everyone else in the shop pays. You are saving the discipline of buying, not betting on the price.

Nothing is forfeit. A missed month simply stays due on your timeline; send it whenever you can and it counts as normal. The plan completes when the paid instalments are all in, whatever order they arrive in.

Yes. We draw only what the order needs and the rest waits in your wallet, soonest-to-lapse credit spent first. It settles after GST, coupons, offers and reward credits, and it is returned in full if an order is cancelled.

The wallet is spendable on anything in the shop and is not encashable or transferable — it lives on the mobile number the plan was opened on, the same rule as reward credits. A cancelled or refunded order puts every rupee back.

One plan runs per mobile at a time, so the schedule on your account page stays the one you are keeping. When it completes and the wallet is issued, you can open the next one.