Gold Savings · Rourkela

Save Gold with M N Alankar

Save a little every month. Take home gold when you're ready. Simple plans, honest rates, no big amount needed.

BIS Hallmarked Daily rates Track in app

Why save in gold

₹10,000 in gold, then and now

Gold has grown steadily for years. Here's what ₹10,000 of gold bought back then would be worth today.

1 year ago

₹10,000

₹12,300

worth today

5 years ago

₹10,000

₹20,800

worth today

10 years ago

₹10,000

₹29,000

worth today

22K gold · last 30 days 0.3%

Figures are indicative, based on past gold prices. Past performance is not a guarantee of future returns. Excludes making charges and GST.

The usual headache

Buying gold isn't easy

1

The rate rises and falls

You never know the right day to buy — and waiting often costs more.

2

A big amount at once is hard

Buying gold in one go needs a large sum saved up.

3

Making charges add up

On top of the gold price, making charges eat into your value.

The easy way

4 ways to save

Pick what suits you. Each example below shows how ₹5,000 works over a year.

Most popular

Gold Deposit Plan

Featured plan

Save in grams. Lock today's rate. Beat the price rise.

Up to 50% off making + price rise is yours
Example: save ₹5,000 a month for a year
MoRate /gYou payGoldTotal gold
1₹13,720₹5,0000.3640.364
2₹13,860₹5,0000.3610.725
3₹14,150₹5,0000.3531.079
4₹14,000₹5,0000.3571.436
5₹14,290₹5,0000.3501.786
6₹14,430₹5,0000.3472.132
7₹14,290₹5,0000.3502.482
8₹14,570₹5,0000.3432.825
9₹14,710₹5,0000.3403.165
10₹14,570₹5,0000.3433.508
11₹14,850₹5,0000.3373.845
12₹14,990₹5,0000.3344.178
After 12 months₹60,0004.18 g

You paid ₹60,000 and collected ≈ 4.18 g of 22Kgold — the rate moved every month, but every deposit was recorded at that day's rate and added up.

Weight-based deposit — the gold rate is locked as you save, so no rate tension later. A nominal making charge applies on the ornament at time of purchase. GST applicable.

11 + 1 Monthly Plan

1 month free

Pay 11 months. Get 1 month free.

Example: save ₹5,000 a month for a year
MonthYou payValue saved
1₹5,000₹5,000
2₹5,000₹10,000
3₹5,000₹15,000
4₹5,000₹20,000
5₹5,000₹25,000
6₹5,000₹30,000
7₹5,000₹35,000
8₹5,000₹40,000
9₹5,000₹45,000
10₹5,000₹50,000
11₹5,000₹55,000
12Free 🎁₹60,000
After 12 months₹55,000₹60,000

You pay ₹55,000 over 11 months, the store adds the 12th — so you shop for ₹60,000. That ₹5,000 is free.

Rate and a nominal making charge apply at time of purchase. 22K and 18K gold ornaments only. GST applicable.

0% Making Charge Plan

0% making charge

Zero making charge. Full value in gold.

Example: save ₹5,000 a month for a year
MonthYou payValue saved
1₹5,000₹5,000
2₹5,000₹10,000
3₹5,000₹15,000
4₹5,000₹20,000
5₹5,000₹25,000
6₹5,000₹30,000
7₹5,000₹35,000
8₹5,000₹40,000
9₹5,000₹45,000
10₹5,000₹50,000
11₹5,000₹55,000
12₹5,000₹60,000
After 12 months₹60,000₹60,000

You deposit ₹60,000 over 12 months and shop for ₹60,000 in gold with ZERO making charge on the deposited amount.

Rate applies at time of purchase. 22K and 18K gold ornaments only. GST applicable.

Digi-Gold

Pure 999 / 9999 gold

Buy pure gold by weight — any amount, any time.

Example: save ₹5,000 a month for a year
MoRate /gYou payGoldTotal gold
1₹15,040₹5,0000.3320.332
2₹15,200₹5,0000.3290.661
3₹15,510₹5,0000.3220.984
4₹15,350₹5,0000.3261.309
5₹15,660₹5,0000.3191.629
6₹15,820₹5,0000.3161.945
7₹15,660₹5,0000.3192.264
8₹15,970₹5,0000.3132.577
9₹16,130₹5,0000.3102.887
10₹15,970₹5,0000.3133.200
11₹16,280₹5,0000.3073.507
12₹16,440₹5,0000.3043.812
After 12 months₹60,0003.81 g

You paid ₹60,000 and collected ≈ 3.81 g of 999 puregold — the rate moved every month, but every deposit was recorded at that day's rate and added up.

Stored as pure gold (995 / 9999 purity) by weight. GST applicable.

Which plan suits me?

PlanTenureBest forMakingRate lock
Gold Deposit PlanYour paceBeating rising ratesUp to 50% offLocked per deposit
11 + 1 Monthly Plan11 monthsSteady monthly savers1 month freeRate at purchase
0% Making Charge Plan12 monthsGetting the most gold0% makingRate at purchase
Digi-GoldYour pacePure-gold saversLocked per deposit

3 easy steps

Pick a plan

Choose what fits you.

Save monthly

Or at your own pace.

Take gold

Redeem in jewellery.

Why choose us

BIS Hallmarked

Certified purity, always.

Honest rates

Today's rate, shown daily.

Trusted locally

A name Rourkela knows.

Track in app

See your gold grow.

Common questions

How do gold savings schemes at M N Alankar Palace work?

You save money over time — monthly or at your own pace — and take the value in gold jewellery later. Plans like the Gold Deposit Plan turn each deposit into gold weight so your rate is locked, while the 11+1 and 0% Making Charge plans reward steady monthly saving with a free month or zero making charge.

Which is the best gold savings plan for me?

Want to beat a rising rate? The Gold Deposit Plan locks the rate as you save and gives up to 50% off making charges. Prefer a fixed monthly habit? The 11+1 Plan gives one month free, and the 0% Making Charge Plan removes making charges after 12 months. Just want to collect pure gold? Choose Digi-Gold.

Is there a making charge on the gold I take?

It depends on the plan. The Gold Deposit Plan gives up to 50% off making charges and the 0% Making Charge Plan removes them on your deposited amount. The 11+1 Plan has a small making charge at purchase. GST applies on all schemes.

Which gold purity do the schemes apply to?

The 11+1, 0% Making Charge and Gold Deposit plans apply to 22K and 18K gold ornaments. Digi-Gold is stored as pure gold at 995 / 9999 purity.

Can I start a scheme from the app?

Yes. Tap “Start a plan” to request a scheme — you pick the plan and a comfortable monthly amount, and the store confirms and activates it. You can then track your deposits and value right inside the app.

Start today

Save a little every month. Watch your gold grow.

GST applies on all schemes. The 11+1, 0% Making Charge and Gold Deposit plans apply to 22K and 18K gold ornaments only. Rate and a nominal making charge apply at time of purchase. Example based on ₹5,000 a month at today's rate (≈ 4.2 g of 22K gold in a year); actual gold depends on the rate on each deposit day.