Tanishq Gold Scheme

Tanishq Gold Scheme

✓ Gold Loan up to 2 Cr ✓ Interest Rate Starting @ 10% ✓ Highest Gold Loan / Gram

A division of the Titan Company, Tanishq is synonymous with quality. With over 2 decades of experience in the jewelry industry, Tanishq the brand is well loved by Indians across the country. The jewelry designs manufactured and sold by the brand are unique and exquisitely crafted. If you’ve had your heart set on any specific piece of gold jewelry from the brand, you may no doubt be looking for ways to save up for your big purchase. Here’s where Tanishq gold schemes can help you.

Know More About Tanishq Gold Schemes

Gold schemes make it possible for people to make premium gold jewelry purchases at affordable rates. Some gold schemes also enable members to buy gold at attractive discounts. No matter what your preference may be, Tanishq gold schemes can help you buy top quality gold jewelry without any financial burden.


Enrolling in Tanishq gold schemes is simple, and you can do this from any of the Tanishq stores across the country. By enrolling in the right scheme, you can buy 22 carat and 18 carat gold and diamond jewelry easily. Or, you can book grams of gold and redeem them later at the prevailing Tanishq gold price. 


Before you make your booking, it is always advisable to be aware of the gold rates currently prevailing in the market. You can check the Tanishq 22 carat gold rate today and the Tanishq 18 carat gold rate today online, and you can do this every day too, if you want to look for a dip in gold prices to book your gold.

Documents Required for Tanishq Gold Schemes

To enroll in a Tanishq gold scheme, you do not need to worry about any cumbersome paperwork at all. Basically, you will only have to submit essential KYC documents such as any of the following.


  • PAN card

  • Aadhaar card

  • Passport

  • Driving license

  • Voter ID card

  • Ration card

Copies of any of these documents will suffice. However, you may have to provide your original ID proof at the time of closure of the scheme. 

Tanishq Golden Harvest Scheme

The Tanishq Golden Harvest Scheme is a jewelry purchase scheme that was launched by the jewelry brand, in a bid to help interested people like you buy the product of their choice at affordable prices. The Tanishq gold rates for jewelry items purchased through this scheme are easy on the pocket.


Through the Tanishq Golden Harvest Scheme, you can set aside a sum of money each month, so you can use it to purchase gold jewelry at a later date at discounted rates. If you are worried that the Tanishq gold rate today is higher than you expected, you can enroll in the Tanishq Golden Harvest Scheme to save up affordable sums of money each month, so you can buy the jewelry piece you have your eyes set on.


With this scheme, you can buy any jewelry item ranging from 18 carat diamond studded jewelry to 22 carat pure gold jewelry. So, check the Tanishq 22 carat gold rate today and the Tanishq 18 carat gold rate today, and enrol in this scheme to make your purchases affordable.

Tanishq Golden Harvest Scheme Features

So, say you check the Tanishq gold rates today and find them steep. The Tanishq Golden Harvest Scheme can help you purchase the jewelry item you want without worrying about high gold prices, since it gives you discounts on the Tanishq live gold rate. 

Check out the features of this scheme below.


  • You can deposit a sum of money monthly for a period of 6 months or 10 months.

  • You can pay via cash, net banking or post date cheques.

  • The minimum amount you need to deposit is Rs. 2,000 monthly.

  • The discount can be as high as 75% of the first instalment amount.

Tanishq Golden Harvest Scheme Benefits

Tanishq gold schemes offer a variety of benefits to the members who make use of them. And the Golden Harvest Scheme is no different. Check out the key benefits of this gold purchase scheme here.


  • You can join Titan’s exclusive loyalty program and make use of the special membership privileges across all Titan platforms.

  • The Tanishq Golden Harvest Scheme gives you special, TDS-free discounts depending on the amount you deposit each month.

  • You can redeem this benefit at any of the Tanishq stores located in India.

  • The discount under the Tanishq Golden Harvest Scheme goes up to 75%.

  • The discount is not limited to the one offered under the scheme alone. If the brand has any other ongoing offers at the moment, you can combine the two benefits to bring down the Tanishq gold price today even further for the product you purchase. 

Terms and Conditions

Here are the terms and conditions related to the Golden Harvest Scheme.


  • You can make only one instalment per month.

  • If you choose the 10-month tenor, your account will be closed after 385 days. 

  • If you choose the 6-month tenor, your account will be closed after 235 days.

  • You can only buy diamond and gold jewellery under this scheme. Gold coin and silver purchases are not allowed.

  • If you do not make a deposit for at least 2 months, the scheme will be cancelled and the amount you deposited will be refunded. 

Tanishq Swarnanidhi Scheme

Like the Tanishq Golden Harvest Scheme, the Tanishq Swarnanidhi Scheme is another useful program for people who are interested in gold purchases. If that sounds like you, you can enroll in this scheme to book several grams of gold. Later, you can redeem this in exchange for buying the gold jewelry of your choice. The redemption is done at the prevailing gold rate. So if you decide to redeem it today, you will be able to buy the gold jewelry at the Tanishq live gold rate at the time of redemption. 


For instance, say you have enrolled in this scheme and over the course of the scheme, you have booked a total of 200 grams of gold. And today, you want to redeem the gold booked. Say the Tanishq gold rate today is Rs. 4,500 per gram. This means you can buy gold worth Rs. 9,00,000.


Tanishq Swarnanidhi Scheme Features

Here are the key features of the Tanishq Swarnanidhi Scheme that you need to know about before you enroll in it.


  • You need to make your deposits for a period of 8 months.

  • You can redeem the booked gold at any time after this 8-month period. So, if your scheme is over, and you find the Tanishq 22 carat gold rate today or the Tanishq 18 carat gold rate today attractive, you can redeem the amount today.

  • You can pay any number of instalments each month.

  • The amount you make as an instalment is converted into grams of gold at the prevailing gold rate. So, if the Tanishq gold rate today is Rs. 5,000 per gram, and you make an instalment deposit of Rs. 10,000, your amount will be booked as 2 grams of gold.

Tanishq Swarnanidhi Scheme Benefits

The Swarnanidhi Scheme from Tanishq also gives you many benefits. Check out how you can take advantage of the beneficial features of this scheme. 


  • By planning your gold bookings well, you can book gold over the course of 8 months at lower rates, and redeem the amount at a higher rate after the scheme’s tenor.

  • You can also make use of this scheme to purchase gold for big events like weddings by planning in advance.

  • Since there is no limit on the number of instalments you can make each month, you can add an extra deposit if the Tanishq gold rate dips.

Terms and Conditions

Like all Tanishq gold schemes, the Swarnanidhi Scheme also comes with certain terms and conditions. Check them out below.


  • The grams of gold in your account should be redeemed within 10 months from the date of enrolment.

  • If you do not make your purchase within the 10 months as specified above, the amount will be refunded to you without any interest.

  • You can purchase only jewelry under this scheme, not gold or silver coins.

  • You can enroll in this scheme at any Tanishq showroom.

  • The value of the jewelry you select should be the same as or higher than the pre-booked grams of gold.

Frequently Asked Questions on Malabar Gold Scheme

  • ✔️What does customization mean in Malabar gold schemes?

    Customization is a unique feature that allows you to select the right size for products that come in various sizes, like chains, bracelets, bangles and rings.

  • ✔️Can products ordered through the ‘Make to Order’ option be returned?

    The 14 day return policy from Malabar Gold & Diamonds is only available for regular orders. Any products ordered through the ‘Make to Order’ option in the Smart Buy scheme are specifically manufactured, so they can only be returned online or in any Malabar Gold & Diamond store as per the regular buyback and exchange policy.

  • ✔️Can I use a gift voucher for placing an order through this scheme?

    Yes, you can definitely make use of gift vouchers for these orders.

  • ✔️Why are products that are in stock coming with a ‘Make to Order’ option?

    Even for products that are in stock, the ‘Make to Order’ option may be available. This means that instead of sending you the product that is in stock, it is specifically manufactured for your order. That’s why the delivery date may be further away.

  • ✔️What payment methods are accepted?

    For products ordered online through Malabar gold schemes, all payment methods like debit cards, credit cards, net banking and fund transfers are accepted. The ‘Cash on Delivery’ option is not available for ‘Make to Order’ products.

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