Nakshathra Gold Scheme
Your gold savings,
in trusted hands
Save from AED 100 a month for 11 months, then choose your jewellery at any of our 16 showrooms in the UAE.
Calculate your savings New here? Join the scheme · from AED 100 a monthMammootty, Brand Ambassador · with founder Shamna Shanavas
11-month savings plan · 16 showrooms across the UAE
Nakshathra Gold Scheme
Save a fixed amount every month for 11 months, starting from AED 100, and choose from the World's Largest Lightweight Jewellery Collection. After your 11th payment, choose your jewellery at any Nakshathra showroom in the UAE with 0% making charge on 22K gold jewellery up to your savings.
Scheme calculator
Monthly amount (AED)22K gold jewellery: 0% making charge up to –. You pay only the gold value and 5% VAT.
You pay the first month online. Our scheme team sends your scheme number on WhatsApp within 1 working day.
Scheme benefits
- 0%Making charge on 22K gold jewelleryUp to the value of your scheme savings. Above your savings, the normal making charge applies.
- 0No penalty for a missed monthPay it together with the next month. Online you can pay up to 3 months at a time.
- 16Showrooms across the UAEPay and take your jewellery at any Nakshathra showroom.
How to join
- Choose your monthly amount from AED 100, in steps of 50, and the showroom nearest to you.
- Pay the first month online with Apple Pay, Google Pay or card. Your receipt comes by email straight away. You can also join at any showroom.
- Get your scheme number on WhatsApp within 1 working day.
- Pay every month for 11 months online with your mobile number or scheme number, or at any showroom.
- Choose your jewellery after your 11th payment, at any Nakshathra showroom in the UAE. Gold is priced at the rate on the day you buy.
Scheme rules
- 11 monthly payments of the same amount, from AED 100 a month in steps of 50.
- 0% making charge on 22K gold jewellery up to the value of your savings. On anything above your savings, the normal making charge applies.
- 5% VAT applies to jewellery as per UAE law.
- Gold is priced at the rate on the day you buy your jewellery.
- Scheme savings are used only to buy jewellery at Nakshathra. They are not paid back as cash.
- No penalty for a missed month. Pay it together with the next month.
Questions about the gold scheme
What is the Nakshathra Gold Scheme?
It is an 11-month savings plan. You pay a fixed amount every month, and after the 11th payment you use your savings to buy jewellery at any Nakshathra showroom in the UAE, with 0% making charge on 22K gold jewellery up to your savings.
What is the minimum monthly amount?
AED 100 a month. You can choose a higher amount in steps of 50. The amount stays the same for all 11 months.
How much will I have after 11 months?
Your monthly amount × 11. For example, AED 300 a month gives AED 3,300 and AED 500 a month gives AED 5,500. Use the calculator on this page to see your amount.
Is the gold rate fixed when I join?
No. Gold is priced at the rate on the day you buy your jewellery. You can check today's rate on our gold rate page.
What if I miss a month?
There is no penalty. Pay the missed month together with the next month. Online you can pay up to 3 months at a time.
Can I get my savings back as cash?
No. Scheme savings are used only to buy jewellery at Nakshathra. They are not paid back as cash.
Can I join more than one scheme?
Yes. Each scheme has its own number and its own monthly amount.
Where can I pay and take my jewellery?
Online on nakshathra.com, or at any of our 16 Nakshathra showrooms in Dubai, Sharjah, Ajman, Abu Dhabi and Al Ain. See all showrooms.