Presentation Title by 3yLAz82



Marketing Associate
   Reliance My Gold Plan (RMGP)
   Why RMGP?
   Benefits of RMGP
   MPG verses other Jeweller Schemes
   Structure of RMGP
   Definition
   Product Details
   Process Note
Reliance My Gold Plan
Reliance Money Precious Metals (RMPM) presents Reliance My Gold Plan
(RMGP), in association with World Gold Council.

Reliance My Gold Plan (RMGP) lets you start buying gold for as low as Rs.1000/-
per month. It lets you accumulate gold in small amounts every day over sustained
periods through a Average Pricing Methodology (APM).
APM allocates each monthly Subscription amount into 20 parts thereby protecting
you from the daily price fluctuations.
RMGP Accumulated gold grams can be converted into gold coins or jewellery from
multiple outlets across the country.

                               OWNING GOLD WILL
                                NEVER BE THE
                                 SAME AGAIN
   Lack of Human discipline in accumulation of Gold
   Limited range of gold investment/ savings products available to

   Issues around Purity and Quality of Gold supplied by Jewellers

   Current Gold Saving Schemes have only an option to redeem in
   Concerns around Credit Worthiness of Jewellers

   Scams and other fraudulent practices in gold schemes

   Steep rise in the price over the past few years making bulk purchase

   High inflation results in physical security concerns
 Benefits of RMGP
                                   • Accumulation of Gold with small amounts over sustained periods for
Objectives                           a larger grammage / meeting up with ones savings, goals or
                                     Objectives thought of like daughter’s wedding, etc.

                                   • Allows the customer to average his price on Gold over a period of
Cost Averaging                       time resulting into

Guaranteed Purity                  • 24 karat with 99.5% purity or more

                                   • 100% secure and backed by physical Gold for every gram issued to
Secure & backed by physical Gold     customers

                                   • Independent Trustee appointed for management of bank and
Zero Default Risk                    safekeeping of gold

                                   • Partnered with World Gold Council, globally recognised organisation
Association                          of the gold industry, including global mining companies

Safe Keeping                       • Gold stored with specialised security agencies having vaults as per
                                    RBI specifications.
  MPG verses other Jeweller Schemes
         Features                                           Gold ETF        Gold Savings Fund           Jeweller
                                     My Gold Plan

Backed by Physical Gold                     Yes                 Yes                 No                     No

Fulfilment Mode                  Gold Coins/Jewellery*         Cash                Cash            Own Jewellery only

                                  Price of Gold at each                                          Price of Gold at the end
Allotment                                                 Net Asset Value     Net Asset Value
                                      Subscription                                                     of the tenure

                                   Cheque / DD / ECS /
Mode of Subscription                                      Stock Exchanges    ECS / Cheque / DD            Cash

Average Pricing
                                            Yes                 No                  No                     No

Impurity Risk                               No            Not Applicable      Not Applicable               Yes

Default Risk                                No                  No                  No                     Yes

Flexibility to buy gold
                                            Yes           Not Applicable      Not Applicable               No
from other Jewellers

Fulfilment Centres                     Across India       Not Applicable      Not Applicable          At his outlet
*Work in progress
**Will be offered in future, work in progress
Structure of RMGP…


        Investor                  Distributor

        Reputed                   Specialized
       Back Office                   Safe
        Provider                    Keeper
 Product Details
  Who can Invest ?                   Resident & Non Resident Indians including minors, HUF
  Minimum Monthly Investment         Rs.1000 and in multiples of Rs.500 thereafter
  Investment Mode                    Cheque/DD/Pay Order/ECS/Auto Debit/Cash*
  Tenure                             12/24/36/48/60 months with options to extend
                                     Customers have an option to make lump sum purchases. Such additions will not be
  Additional Subscription            adjusted against any monthly dues . Average Pricing Methodology will be applicable on
                                     such additional purchases.
  Gold Micro Grams                   MPG gold grams credited customers account in 4 decimal (rounded down)
                                     All "Clear Funds" from investments (Fresh / Monthly / Additional) will be invested in
  Average Pricing Methodology        gold over the next 20 business days in equal tranches and Gold Micro Grams allotted at
                                     "Beginning of Day" prices declared by Reliance Money
                                     Gold price (upto 2 decimal points) would be calculated and declared by Reliance
  Gold Pricing
                                     Money for all business days
  Lock-in Period                     6 months. (Redemption not allowed during lock-in period)
                                     1.5% of Initial/Monthly Subscription Amount and is a non-refundable fee paid to the
  Administrative Charges
                                     RMPM towards setup/administration costs
                                     2.5% of the accumulated amount will be payable if gold grams are fulfilled prematurely
  Pre-Termination Charges
                                     (i.e after 6 months but before the agreed tenure of the plan)
                                     0.50% per annum on the total value of subscription paid, applicable ONLY when the
  Demurrage / Safe Keeping Charges   customer does not take delivery of the gold coins /jewellery within 60 days of
  Fulfilment                         99.5% Pure (or more) Coins in denomination of 0.5/1/2/5/10/20/50 grams/ jewellery

*Work in progress
Product Details…contd
                                 These charges need to be paid before delivery of gold coins
                                 • Payment to round off to the nearest incremental 0.5000 grams
Fulfilment Charges
                                 • Pre-Termination Charges (if applicable) • Demurrage (if applicable)
                                 • Coin Making Charges as applicable • VAT, Sales Tax and other statutory levies
                                 RMPM will enter into tie-up with reputed coin suppliers at various cities for the
Fulfillment Locations
                                 purpose of encashing R-MGP gold grams in form of coins. The updated list of coin
                                 fulfillment outlets will be hosted on the website for reference.
Clear Fund                       Clear funds refer to funds available for purchase of gold grams
                                 A Business Day means any day other than:
                                 1) Saturday / 2) Sunday / 3) A day declared as holiday under the Negotiable Instruments
                                 Act, 1881
Business Day
                                 4) A day on which normal business could not be transacted due to storms, floods,
                                 bandhs, strikes, riots or any other events as RMPM may specify from time to time
                                 5) Please refer to for the non-business day list
                                 Statement of Holdings will be issued only by email on a quarterly basis every quarter
Statement of Holding
                                 ending June | Sept | Dec | March

Designated Point of Acceptance   All official points of acceptance

Correspondence and Contact
                                 Toll Free Number: 1800 200 2267
   Process Flow
Customer /

                    •A/C Opening Form                            Verifies information and
                                                                                                              Scan and submit relevant

                    •KYC Documents                                enters in Online Portal
                                                                                                              document to Back office
                    •Initial Subscription                             and banking of
                                                                                                              Service Provider
                    •Subsequent Subscription                            Instrument
  Back Office

                   •Monthly Statement t of         Allocate Subscription                                        •Customer Adoption
                                                                                      Fund Credit
                   Holding on a monthly           into 20 equal parts and                                       •Creation of Customer ID
                                                                                   Identification and
                   basis to Customer             inform RMPM 1/20th part                                        •Dispatch of Welcome Kit
                   •Other Communication          daily for purchase of Gold
  Bullion Trader
   & Custodian

                                                                                                              On Redemption
                          RMPM book gold gram                      Store Gold with Safe
                                                                                                          instructions of RMPM
                           with Bullion trader                            Keeper
                                                                                                         gold grams to be released

                                                                                                  Gold Coin                         Jewellery
Thank You

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