The Swarna Mudra plan offers customers a plan to accumulate Swiss Gold Grams at periodic intervals and at the end of the term offer fulfillment in 24 Carat Swiss Gold Coins of 99.99% purity. The plan also comes with the added benefit of a free Life risk cover.

Surat Diamond Jewellery Pvt. Ltd. Vasant Vilas, 5th Floor,
31 Dr. D.D. Sathye Marg,
Near Girgaum Portuguese Church, Mumbai 400 004.

Reliance Infrastructure Finance Pvt.
Ltd. H. Block, 1st Floor,
Dhirubhai Ambani Knowledge City, Opp. Khoparkhairane Railway Station, Navi Mumbai – 400 710.

RMP Infotec Private Limited,
No 100,Mahalingapuram Main Road,
F1 Apollo Dubai Plaza
Chennai 600 034.

Feature Description
Eligibility Any resident Indian Individual
Minimum Initial Advance Rs.12000/-
Minimum Monthly Advance Rs.2000/- and in multiples of Rs.1000/- thereafter
Tenure 3 / 5 / 7 / 10 years
Lock-in Period 12 months. Customer cannot fulfill within the lock-in period.
Gold Coin Purity 24 carat imported Swiss Gold Coins of 99.99% purity
Gold Coin Denominations 0.5 / 1 / 5 / 8 / 10 gm
Gold Price Gold Price to be declared daily by 11.00 am on business/working days
Gold Grams Allotment Allotment of Gold Grams will be up to 2 decimal points round down based on the prevailing Gold Price as on the date of realization of funds in the bank account of Surat Diamond Jewellery Pvt. Ltd.
Payment Modes Initial Payment by DD in favor of Surat Diamond Jewellery Pvt Ltd payable at Chennai
Minimum Purchase Value Rs.60,000/- promotional offer for 6 month
Charges & Fees
  • Processing Fee of Rs. 150/- to be levied in case of ECS/Direct Debit bounce or failure to realize DD
  • Pre-Mature Termination fee shall be payable in case of pre-mature fulfillment in case the cumulative advance amount paid by the customer is less than the Minimum Purchase Value
Pre-Mature Termination Fee
Within12 Months
Not Allowed
Post 12 Months but before 24 months Rs8000  Post 24 onths
Fulfillment Related Payments

The customer will have to make the following payments at the time of fulfillment

  • Rounding off to the nearest incremental 0.5 grams at the prevailing Daily Gold Price
  • Coin making charges of 1% of the Gold Grams value shall apply at the time of redemption if minimum purchase value of 60,000 is not fulfilled.
  • Taxes such as VAT and any other applicable State taxes
Eligibility For Risk Cover Resident Indian Individuals between the Age of 18 and 44
Sum Assured On pending Monthly Subscriptions
Max. Risk Cover 10 lakhs
Risk Cover Start Date 3 month from the Start of the Plan
Risk Claim Settlement Risk Claims will be settled only in the form of Gold Coins
Swarnamudra Website
Swarnamudra Today Gold Price