Smart Gold by AVR Swarnamahal

Smart Gold by AVR Swarna Mahal Ltd.
Your Trusted Gold Savings App – Safe. Smart. Secure.

Now saving in gold is easier than ever with Smart Gold, a digital gold savings platform from the trusted house of AVR Swarna Mahal. Choose from Four flexible gold and Silver Saving schemes based on your budget and goals – Swarna 11, Golden One, E-Gold+ and ESilver+. Save smart, track your gold, and redeem for jewellery at 20+ Showrooms across Tamil Nadu and Karnataka.

1. Swarna 11 – Monthly Savings Plan

Start with just ₹500/month for 11 months.
Each monthly payment is converted into 22KT gold weight at the day's rate.
Plan matures in 330 days.
Gold Jewellery or Coin Redemption only (No Cash) after maturity.

VA/Wastage Benefits

0%* on Diamond, Uncut Diamond & Platinum.
Up to 18%* off on Gold Jewellery.
50%* off on Antique Silver.
Available at AVR Swarna Mahal showrooms in Tamil Nadu & Karnataka.
ID proof & payment receipts required during redemption.

2. Golden One – One-Time Investment Plan

Make a one-time payment (Minimum ₹15,000; No maximum limit).
The entire amount was converted into 22KT gold weight at the day's rate.
Matures in 330 days.
Redeem gold weight for Jewellery or Coins (No Cash).

VA/Wastage Benefits

0%* on Diamond, Uncut Diamond & Platinum.
Up to 20%* off on Gold Jewellery.
50%* off on Antique Silver.
Redemption at AVR Swarna Mahal showrooms in Tamil Nadu & Karnataka.
ID proof & original receipt required.

3. E-Gold+ – Save 22KT Gold Anytime, Anywhere

Begin your gold savings with a minimum of ₹500, and continue saving any amount in multiples of ₹100 anytime within 11 months.
Each payment is converted using AVR Swarna Mahal's 22KT gold rate shown in the app at the time of payment.
Earn up to 7.5% Value benefit will be calculated on a Flat Basis.
Redeem: Customers can redeem their accumulated Gold weight for any Gold, Silver, Platinum & Diamond Jewellery, including Gold & Silver Coins/Bars/Articles and Gifting Items.
Valid ID proof & purchase records required during redemption.

4. E-Silver+ – Save Silver Anytime, Anywhere

Begin your Silver Savings with a minimum of ₹500, and continue saving any amount in multiples of ₹100 anytime within 11 months.
Each payment is converted using AVR Swarna Mahal's Silver Rate shown in the app at the time of payment.
Earn up to 7.5% Value benefit will be calculated on a Flat Basis.
Redeem: Customers can redeem their accumulated Silver weight for any Silver, Gold, Platinum & Diamond Jewellery, including Silver & Gold Coins/Bars/Articles and Gifting Items.
Valid ID proof & purchase records required during redemption.

Why Choose Smart Gold by AVR Swarna Mahal

Smart Gold isn't just a savings app. It's a secure, value-driven way to build your gold wealth with the legacy of AVR Swarna Mahal behind you.
From a Name You Trust
Smart Gold is powered by AVR Swarna Mahal, a heritage brand with 98 years of legacy, known for purity, trust, and generations of customer loyalty across South India.
Plans for Every Budget & Goal
Whether you're saving monthly, investing once, or topping up anytime, Smart Gold has a flexible plan that fits your lifestyle and financial goals.
No Middlemen, No Risk
Your savings go directly to AVR Swarna Mahal. There are no third-party risks, only direct, safe, and transparent gold accumulation.
Secure Digital Records
Track your savings, gold weight, and maturity status anytime through the app. No paperwork needed; everything is digitally stored and accessible.
Ideal for Gifting or Goal-Based Saving
Smart Gold helps you save up for weddings, festive gifting, future purchases, or long-term wealth in pure 22KT gold, on your terms.
Save confidently. Plan smart. Own real gold with Smart Gold by AVR Swarna Mahal.

Have Questions or Need Assistance?

Our customer service team is happy to help you every step of the way — available from 10:00 AM to 6:00 PM.
Contact: +91 95666 87861
Email: crm@avrswarnamahal.com
Website: www.avrswarnamahal.com