What is a digi gold scheme, and how do you run one?

A digi gold (gold-saving) scheme is a plan where a customer pays a set amount each month and redeems it for jewellery at the end — a simple way for them to save towards a big purchase, and a reliable way for you to bring customers back month after month. Chit schemes run on the same idea. The software’s job is to make running one — for hundreds of members — effortless instead of a register-keeping burden.

JewelGrow runs gold-saving and chit schemes end to end, from enrolment to redemption, at the counter or on your own branded Digi Gold app.

Why schemes are worth it

A scheme gives a customer a reason to walk in every month, and a goal to save towards. That regular contact is worth far more than a one-time sale. The catch has always been the admin — tracking every member’s plan, payments and dues by hand. Software removes the admin, so you get the loyalty without the paperwork.

Reach beyond your four walls

The bigger shift is the branded app. Instead of only enrolling at the counter, customers join and pay from home, and happy members refer new ones. The app carries your showroom’s name — நம்ம ஊரு App — on Google Play and the App Store, so the brand that grows is yours, not the software’s.

Payments and accounts, handled

Scheme payments come in through CCAvenue, Cashfree, Razorpay, PhonePe, Easebuzz or Paynimo and reconcile against each member’s plan automatically. At redemption, the scheme applies on the bill and the accounting stays straight — no separate ledger to maintain.