Smart Gold by AVR Swarnamahal

Smart Gold by AVR Swarna Mahal Ltd
Your Trusted Gold Savings App – Safe. Smart. Secure.
Now saving in gold is easier than ever with Smart Gold, a digital gold savings platform from the trusted house of AVR Swarna Mahal. Choose from three flexible gold saving schemes based on your budget and goals – Swarna 11, Golden One, and E-Gold+. Save smart, track your gold, and redeem for jewellery at 20+ Showrooms across Tamil Nadu and Karnataka.

1. Swarna 11 – Monthly Savings Plan
Start with just ₹500/month for 11 months


Each monthly payment is converted into 22kt gold weight at the day’s rate


Plan matures in 330 days


Gold Jewellery or Coin Redemption only (no cash) after maturity


VA/Wastage Benefits:


0%* on Diamond, Uncut Diamond & Platinum


Up to 18%* off on Gold Jewellery


50% off* on Antique Silver


Available at AVR Swarna Mahal showrooms in Tamil Nadu & Karnataka


ID proof & payment receipts required during redemption



2. Golden One – One-Time Investment Plan
Make a one-time payment (min ₹15,000; no max limit)


Entire amount converted into 22kt gold weight at the day’s rate


Matures in 330 days


Redeem gold weight for jewellery or coins (no cash)


VA/Wastage Benefits:


0%* on Diamond, Uncut Diamond & Platinum


Up to 20%* off on Gold Jewellery


50%* off on Antique Silver


Redemption at AVR Swarna Mahal showrooms in Tamil Nadu & Karnataka


ID proof & original receipt required



3. E-Gold + – Save 22kt Gold Anytime, Anywhere
Begin your gold savings with a minimum of ₹500 and add deposits in multiples of ₹500, anytime within 11 months.


Each payment instantly converted to 22kt gold at the live rate


Avail up to 7.5% value benefit, calculated on a 365-day basis.


Redeem gold weight for jewellery/coins only


Valid ID proof & purchase records required during redemption



Why Choose Smart Gold by AVR Swarna Mahal
Smart Gold isn’t just a savings app. It’s a secure, value-driven way to build your gold wealth with the legacy of AVR Swarna Mahal behind you.
From a Name You Trust
Smart Gold is powered by AVR Swarna Mahal, a heritage brand with 98 years of legacy, known for purity, trust, and generations of customer loyalty across South India..
Plans for Every Budget & Goal
Whether you're saving monthly, investing once, or topping up anytime, Smart Gold has a flexible plan that fits your lifestyle and financial goals.
No Middlemen, No Risk
Your savings go directly to AVR Swarna Mahal. There are no third-party risks, only direct, safe, and transparent gold accumulation.
Secure Digital Records
Track your savings, gold weight, and maturity status anytime through the app. No paperwork needed, everything is digitally stored and accessible.
Ideal for Gifting or Goal-Based Saving
Smart Gold helps you save up for weddings, festive gifting, future purchases, or long-term wealth in pure 22kt gold, on your terms.
Save confidently. Plan smart. Own real gold with Smart Gold by AVR Swarna Mahal.

Have questions or need assistance?

Our customer service team is happy to help you every step of the way — available from 10 AM to 6 PM.
Contact us at +91 95666 87861 or [email protected]
Visit: www.avrswarnamahal.com