ABRAF Gold Harvest · Gold Savings Scheme
Set aside a fixed amount every month for 11 months and ABRAF adds the 12th instalment free. Choose Sovereign to accumulate 999.9 gold at the live market rate, or Classic for a fixed bonus — then redeem as bars or jewellery.
A simple, transparent monthly plan that turns small savings into real gold — with an ABRAF bonus instalment and no making‑charge games.
Choose Your Plan
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Minimum ₹1,000 · in multiples of ₹1,000 · 11 + 1 months
*Illustrative 11-month example using your chosen instalment and an assumed gold-rate rise. On Sovereign, every instalment buys 999.9 gold at that month's live rate — its final ₹ value depends on the gold rate on your redemption day: you gain if gold rises and bear the difference if it falls. Classic banks a fixed rupee value (gold not tracked). The 12th instalment is ABRAF's bonus. GST applies as per law.
How It Works
Pick Sovereign or Classic and your monthly amount. Create your account with a mobile number and passcode.
Pay each instalment on time. On Sovereign, every rupee converts to 999.9 gold at that day's live rate.
Complete 11 instalments and the 12th is on us — your bonus, credited at maturity.
After the 12th month, redeem your balance as ABRAF bars or jewellery, online or in store.
Why ABRAF Gold Harvest
BIS‑certified fine gold, assayed and transparent — the same standard as our bullion bars.
Sovereign tracks the live world market — you accumulate gold, not a locked rupee value.
The 12th instalment is free, plus an extra 20% benefit if you pay in one shot.
Track every instalment and gram in your account — login is by mobile number & passcode.
Redeem as fine‑gold bars or 24Kt 999.0 jewellery, online or at any ABRAF store.
Transparent, GST‑compliant pricing — no hidden making‑charge tricks on your savings.
Ready to start?
Sign up in minutes. Sign in any time with your mobile number and passcode to track your gold.
Prefer to enrol over chat? Enrol on WhatsApp →
Good to Know
Pay 11 fixed monthly instalments and ABRAF adds the 12th instalment as a bonus. On the Sovereign plan, each instalment is converted into 999.9 gold at that day's live rate, so your value moves with the market. On the Classic plan, it's a fixed‑rupee bonus. After the 12th month you redeem your balance as bars or jewellery.
Sovereign accumulates actual 999.9 gold at the live rate each month — you benefit if gold rises (and bear the difference if it falls). Classic is a simple fixed‑rupee plan with the 12th instalment free. Both give the bonus instalment; only Sovereign tracks gold value.
Sign up with your name, mobile number and a passcode of your choice (4–8 digits) — no email needed. Then sign in any time with the same mobile number and passcode to see your instalments, accumulated gold and value.
₹1,000 per month, in multiples of ₹1,000. There's no maximum — for instalments of ₹19,000 or above, PAN/KYC is required as per law.
Yes. Choose the one‑time payment option and receive an additional 20% bonus at redemption, on top of the 12th‑instalment benefit.
Redeem after the 12th month. Your accrued gold is already yours — take your exact grams as ABRAF 999.9 fine‑gold bars and you pay only the applicable making charge (you don't buy the gold again). Prefer jewellery? Convert to 24Kt 999.0 pieces where standard making charges + GST apply as displayed. Redeem online or at any ABRAF store; our team confirms your balance and today's rate at redemption.