Krisha Jewellery Pearls and Gems (KJPG) gold savings schemes or gold benefit schemes help you buy gold at ease. In this scheme, you need to pay an equal installment for 11 months, and KJPG will give you a bonus installment for one month. You can choose to pay anything starting from 5000 and start shopping after completing 30 days of the 11th installment. You will get an advance receipt for every payment made. The brand also offers special discounts of 30% on pearls, 20% on gemstones, 30% on making charges, 20% on wastage and more.