1. SWARNA MUDRA
Brought to you by
Surat Diamond Jewellery Pvt. Ltd
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. 12000/-
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. •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.
PLAN FOR SPECIAL EVENTS
•Allows the customer to average his price on Gold over a
period of time resulting into
COST AVERAGING
•24 karat imported Swiss Gold of 99.99% Purity with Assay
Certification
GUARANTEED PURITY
•Gold Grams credited up to 2 decimal points on the Daily
price of Gold and an advance receipt is generated for every
payment
TRANSPARENT AND SECURE
•The pending monthly subscription amounts are insured for
free
FREE RISK COVER
BENEFITS OF SWARNA
MUDRA

9. TENURE CHOSEN 3 Years
MONTHLY SUBSCRIPTION CHOSEN Rs. 2000.00
MONTH AMOUNT GOLD RATE GRAMS ALLOTED
1 12,000 3000.00 4.00
2 2,000 2900.00 0.68
3 2,000 2850.00 0.70
4 2,000 2950.00 0.67
… … … …
…. …. …. ….
YEAR AMOUNT AVG.GOLD RATE GRAMS ALLOTED
1 34,000 2800.00 12.14
2 24,000 3000.00 8.00
3 24,000 3200.00 7.50
TOTAL 82,000 2967.00 27.64
SUBSCRIPTION SUMMARY

10. REDEMPTION SUMMARY
REDEMPTION SUMMARY
ACCUMULATED GRAMS 27.64
RESIDUAL GRAMS 0.36
GOLD RATE ON DATE OF REDEMPTION Rs. 3150.00
ADDITIONAL PAYMENT FOR RESIDUAL GRAMS Rs. 1134
TOTAL REDEEMABLE GRAMS 28 grams
VAT on Redeemable Grams (@1%) Rs. 882/-

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