Everything you might want to know about our gold plans and why families trust Zerova.
How do Zerova gold savings plans work?+
You choose a monthly amount that fits your budget and pay it each month via UPI, card or bank transfer. Your gold weight is locked at the live rate on each payment, and at maturity you receive BIS Hallmark certified jewelry or a gold coin of your choice — delivered to your door.
What's the smallest amount I can start with?+
Our monthly plans start from as little as ₹1,000–₹2,500 per month, so you can begin small and build steadily. Larger plans like the Family (₹10,000) and Wedding (₹25,000) plans carry extra benefits.
Are there really zero making charges and zero wastage?+
Yes. On eligible plans we charge 0% making charges and 0% wastage, so far more of your money converts into actual gold value instead of fees. We state any applicable charge upfront — never buried in fine print.
What is the "target gold rate" option?+
It works like a stock limit order. You set a target rate below today's price, and your plan activates automatically when gold drops to your number. If the rate hits your target within 4 months you get the best 0% wastage offer; if 4 months pass with no drop, a standard 18% wastage offer applies. Either way, your money stays safe and you always receive gold value.
Is there an enrollment fee?+
Most plans have a small one-time enrollment fee collected with your first payment (for example, around ₹99–₹280 depending on the plan). A ₹280 one-time fee applies for plans above ₹10,000. It's charged once — never monthly.
What do I receive at maturity?+
At the end of your plan you choose from our 22K BIS Hallmark catalog — jewelry or a gold coin equal to the gold you've accumulated. We arrange doorstep delivery, and the BIS hallmark number can be verified on the spot.
What if I miss a monthly installment?+
A reasonable grace period is allowed for missed installments, and we send WhatsApp reminders so you stay on track. Reach out anytime and we'll help adjust your schedule.
Can I cancel or get a refund?+
Plans are built for gold ownership, so on early cancellation the amount saved is returned as gold purchase credit rather than cash. GST applies as per government norms. For your specific case, message us and we'll walk you through the options.
Is my gold really BIS Hallmark certified?+
Yes — 100% of our jewelry is BIS Hallmark certified for guaranteed purity. Every piece carries a verifiable hallmark, so you know exactly what you're getting.
Are my payments secure?+
All payments are processed through Razorpay, a trusted, encrypted payment gateway, and enrollment is verified with a one-time password (OTP). We never store your card details.
Is Zerova Jewels a registered business?+
Yes. Zerova Jewels is GST registered and BIS compliant. Our GST and BIS details are listed in the website footer for full transparency.
How is the gold rate decided?+
We use the live 22K market gold rate, shown transparently at the time of each payment. There's no hidden markup — what you see is what your gold is valued at.
How do I track my savings?+
Your dashboard shows your total saved, gold equivalent and maturity date in real time, and you get an instant receipt on WhatsApp after every payment.