1. SWARNA MUDRA Surat Diamond Jewellery Pvt. Ltd Brought to you by
In association with
Reliance Infrastructure Finance Pvt. Ltd.

2. TABLE OF CONTENTS Introduction to Swarna Mudra
About Surat Diamond Jewellery Pvt. Ltd
About Reliance Money
Benefits of the Plan
Product Features
Illustration
Comparison with the Market

3. INTRODUCTION TO SWARNA MUDRA
Accumulate Gold Grams in small quantities on a
Monthly basis
and at the end of the term
Redeem in Gold Coins +
Free Risk Cover on pending installments

4. ABOUT SURAT DIAMOND JEWELLERY
Surat Diamonds is a manufacturer and retailer of fine Diamond and Gold Jewellery
One of the leading e-commerce sites in India having more than 10 years of experience in selling jewellery online
Shipped to more than 5 lac customers in India and 35 countries globally
SuratDiamond.com has approx. 1.2 million page views per month and 1.30 lac unique visitors till date

5. ABOUT SURAT DIAMOND JEWELLERY

6. ABOUT RELIANCE MONEY
Reliance Money through its pan India presence with 6,233 outlets, has more than 3.5 million customers.
Over 2 tonnes of Gold Coins sold to over 2 lakhs customers in the last 3 years
Tie-ups with World Gold Council and India Post to distribute Reliance Money Swiss Gold Coins PAN India

7. Product Features GOLD COIN PURITY
24 carat imported Swiss Gold Coins of 99.99% purity
GOLD COIN DENOMINATIONS
0.5 / 1 / 5 / 8 / 10 gm
GOLD PRICE
Parity with India Post Price
INITIAL PAYMENT by DD
Rs /-
MONTHLY SUBSCRIPTION BY ECS/DIRECT DEBIT
Rs. 2000/- and in multiples of Rs. 1000/- thereafter
TENURE
3 / 5 / 7 / 10 years
LOCK IN PERIOD
12 months. Gold cant be redeemed before the completion of Lock-in period
MIN. PURCHASE VALUE
Rs. 60,000/-
Pre-mature Termination Fee
Pre-mature Termination Fee to be levied on redemptions less than the minimum purchase value
RISK COVER START DATE
3 months from the Start of the Plan
Charges
Processing Fee of Rs. 1000/- to be levied in case ECS Mandate fails due to intentional misrepresentation of information by customer and balance amount refunded
Processing Fee of Rs. 150/- to be levied in case of dishonor of DD/ECS/Direct Debit
Description
< 24 months
> 24 Months
Pre-Mature Termination Fee
Rs. 8000/-
Rs. 5000/-

8. BENEFITS OF SWARNA MUDRA
PLAN FOR SPECIAL EVENTS
Accumulation of Gold with small amounts over sustained periods for a larger grammage / meeting up with ones savings, goals or Objectives thought of like daughter’s wedding, etc.
COST AVERAGING
Allows the customer to average his price on Gold over a period of time resulting into
GUARANTEED PURITY
24 karat imported Swiss Gold of 99.99% Purity with Assay Certification
TRANSPARENT AND SECURE
Gold Grams credited up to 2 decimal points on the Daily price of Gold and an advance receipt is generated for every payment
FREE RISK COVER
The pending monthly subscription amounts are insured for free

9. SUBSCRIPTION SUMMARY
TENURE CHOSEN
3 Years
MONTHLY SUBSCRIPTION CHOSEN Rs
MONTH
AMOUNT
GOLD RATE
GRAMS ALLOTED 1
12,000
4.00 2
2,000
0.68 3
0.70 4
0.67 … ….
YEAR
AVG.GOLD RATE
34,000
12.14
24,000
8.00
7.50
TOTAL
82,000
27.64

10. REDEMPTION SUMMARY REDEMPTION SUMMARY ACCUMULATED GRAMS 27.64
RESIDUAL GRAMS
0.36
GOLD RATE ON DATE OF REDEMPTION Rs
ADDITIONAL PAYMENT FOR RESIDUAL GRAMS
Rs. 1134
TOTAL REDEEMABLE GRAMS
28 grams
VAT on Redeemable Grams
Rs. 882/-

11. COMPARISON WITH MARKET
Features
Swarna Mudra Plan
Gold ETF
Gold Savings Fund
Jeweller
Backed by Physical Gold
Yes No
Fulfilment Mode
Gold Coins/Jewellery*
Cash
Own Jewellery only
Allotment
Price of Gold at each Subscription
Net Asset Value
Price of Gold at the end of the tenure
Mode of Subscription
Cheque / DD / ECS
Stock Exchanges
ECS / Cheque / DD
Average Pricing Methodology
Impurity Risk
Not Applicable
Life Risk Cover
Demat a/c