The Tanishq Golden Harvest Scheme enables you to save systematically for jewellery through fixed monthly deposits over a 10-month tenure. Contributions start from ₹2,000, making the scheme accessible to different budget levels.
At maturity, your accumulated savings can be redeemed exclusively for jewellery purchases, along with a discount of up to 75% of the first instalment. This structured approach helps you plan jewellery purchases in advance, ensuring your savings remain secure and are directed towards a meaningful goal.
It offers both financial discipline and convenience in managing your gold investments.
This Tanishq gold scheme provides a range of benefits that enhance the value of your savings and make purchasing gold jewellery more accessible. Key advantages include:
A Golden Harvest account can be opened easily, either online or at any Tanishq showroom. This flexibility enables you to start saving without unnecessary delays.
You can start the contribution with a minimum monthly instalment of ₹2,000 or in higher multiples of ₹1,000. Payments are accepted for 10 months through cash, online banking with Automated Clearing House (ACH) / Standing Instruction (SI), or post-dated cheques.
On completion of 10 months, Tanishq offers a discount of up to 75% on your first instalment. This benefit allows you to purchase jewellery of a higher value than the total deposits made.
Savings under this scheme can be redeemed exclusively against jewellery. Whether for special occasions or everyday wear, the scheme ensures your savings are directed towards meaningful purchases.
You can avail the scheme alongside ongoing discounts and promotional offers. This provides the opportunity to enjoy additional savings while maximising the scheme’s benefits.
Follow these simple steps to open and manage a Tanishq Golden Harvest Scheme account with ease:
Open a new Golden Harvest account through the Tanishq website, mobile application, or by visiting the nearest Tanishq showroom
Select your preferred monthly instalment amount, starting from ₹2,000, with the option to increase in multiples of ₹1,000
Continue making payments for 10 months via cash, online banking, standing instructions, auto-debit, or post-dated cheques
On maturity, receive an additional discount of up to 75% on the first instalment amount
Redeem the accumulated value, along with the discount, towards the purchase of jewellery of your choice
To enrol in this Tanishq gold scheme, you will need to provide the following documents:
Photo identity and address proof: Voter ID, PAN card, driving licence, passport, ration card, or any other government-issued document
Bank account details
For any queries or support regarding the Tanishq Golden Harvest Scheme, you can connect with customer care through the following channels:
Call 1800-266-0123 to connect with the Tanishq support team for guidance on enrolment, payments, or redemption.
For detailed queries or written communication, you can write to tanishqcare@titan.co.in. The customer care team will provide the necessary support and information.
The Tanishq Golden Harvest Scheme is subject to rules that ensure clarity and fairness for both the company and customers. Below are the key terms and conditions to be aware of before enrolling:
The scheme requires 10 fixed monthly instalments of at least ₹2,000 in multiples of ₹1,000, with only one instalment allowed per month
Instalments are due on the same date each month with a seven-day grace period, after which discount eligibility reduces
A discount of up to 75% of one instalment is available on full payment, while early redemption after 180 days offers prorated benefits
Pre-closure is permitted after 6 payments and 180 days, with jewellery purchase or refund through a discount voucher
If not redeemed within 400 days, instalments are refunded along with a discount voucher, issued by cheque or bank transfer
Only individuals can enrol, companies, trusts, HUFs, NRIs, and minors without guardians are not eligible
Valid photo ID, address proof, and bank details are required at the time of enrolment
Payments can be made through multiple channels, including cash, cards, bank transfers, cheques, or standing instructions, excluding international cards
A nominee can be appointed, and benefits transfer to legal heirs upon submission of the required documents
Enrolment and payments can be made online or offline, with account transfers allowed only in the original holder’s name
Titan reserves the right to modify, suspend, or discontinue the scheme, with liability limited to instalments paid and eligible discounts
Any disputes fall under the jurisdiction of the Bangalore courts
Yes, it is safe as your deposits are secured and used only for jewellery purchases, making it a reliable savings option.
You can pay through cash, online banking, standing instructions, auto-debit, or post-dated cheques, with only one instalment accepted per month.
The minimum instalment is ₹2,000 per month, and you can increase it in multiples of ₹1,000.
No, TDS is not applicable as the discount is considered a price reduction, not income.
No, you can enrol either at a Tanishq store or online through the website or mobile app.
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