My total scheme amount was 80k and Bhima said they will add 10k at the closure. I remember they said there won’t be any making charge when you buy gold at the closure.
In reality, when I bought gold they charged 24% making charge and 1% VAT. For 90k total available balance I got only 27.5 grams gold(2715*27.5= 74119.5) they charged around 15k as VAT, making charge and stone amount.
No good collection of gold, need to get new designs and more options in bangles and earrings.
Not a good idea to go for scheme. Better u save money in bank and buy gold.