Bhima Golden Facts
Bhima started off with silver jewellery! You will still find a collection of sterling silver jewellery in our showrooms.
The manufacture of Antique jewellery, with its impressive attention to detail, is an extremely labour intensive process. On an average, it takes almost a month for our skilled craftsmen to finish a single necklace!
Bhima gold has been trusted by over three generations of customers for its quality, as also by other jewellers!
The jewellery from Bhima has shared the feelings of happiness of over a million brides since 1925!
Bhima was the first jeweller to introduce free astrologer consultation to help you select the most appropriate gemstone based on the horoscope.
Bhima has an unmatched collection of loose precious stones in various budgets for you to choose from.
Bhima jewellery goes through stringent internal quality tests before finally reaching you. It's due to this fact that we take a longer time to process customer orders.
Bhima Diamonds and Precious stones are carefully handpicked by qualified and certified gemologists.
Bhima Diamonds are sold with Certificates of authenticity and buy-back guarantee.
Fineness of 916 means that the quality of gold is 22 carat.
Bhima sells 24 carat gold coins with fineness of 999 at very competitive rates vis-a-vis banks.
Bhima is a family business and is run with the full involvement of the family to ensure quality. The showrooms are not run solely by managers, hence expansion is limited.
At the time when there was a Bhima showroom only at Alappuzha, customers used to come all the way from Nagercoil in Tamil Nadu, North Kerala and Dakshina Kannada for their jewellery shopping!
White gold is as valuable as yellow gold of the same caratage.
White gold is an alloy of gold and at least one white metal, usually nickel or palladium. Almost all white gold jewellery is rhodium plated since gold thus alloyed never comes out true white!
Bhima is a PGI authorized platinum jewellery retailer.
Bhima is one of the very few jewellers who do not directly or indirectly own a gold jewellery hallmarking centre. We just don't declare our gold is good, we have others say it!
Bhima jewellery is hallmarked after our internal quality tests. We have our jewellery hallmarked for 2 reasons: to have a third party confirm its purity, and to avoid duplicate jewellery with our jeweller's mark!
Bhima is the jeweller of choice for royal and aristocratic families.
Bhima is one of the first and most trusted diamond merchants in Kerala.
When you buy a piece of jewellery from Bhima, it comes with a backing of an unparalleled trust of over 85 years!
Bhima jewellery witnesses the tears of pain and happiness: Right from when a baby's ears are pierced, till and beyond when she adorns our jewellery as a beautiful bride.
The men's collection at Bhima has accessories like belt buckles, spectacle frames, cuff links, etc in addition to regular men's jewellery.
Bhima is an expression of a mother's pure love: Most mothers who come to us for their daughter's jewellery have had their mother coming to us for theirs!
Bhima is the first jeweller in Kerala to sell readymade jewellery.
Bhima houses one of the largest collections of Bridal, Antique, Diamond Studded and Gents Jewellery in India.
Bhima does not utilize the services of marketing or canvassing agents. You do not have a hidden cost of agent's commission when you buy from us.
Beautiful brides prefer Bhima Jewellers.
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Abhiman Gold Purchase Plan
Save for a special occasion with Bhima
The volatile fluctuation in gold prices has been a reason for great concern for those who want to buy this precious metal. Bhima has launched the Abhiman Gold Purchase Plan to insulate you from these fluctuations. Abhiman is an extremely flexible purchase plan in terms of period and amount of savings. You can start with savings of as low as Rs. 250 and its multiples.
Abhiman brochures are available in a downloadable format. These contain detailed information and an application form. The brochure is saved in a PDF format and can be viewed, saved and printed using Adobe Acrobat. Please click the download button below of the brochure you wish to select. Should you wish to join this purchase plan, kindly submit the application form duly filled in to our Kozhikode, Kannur, and Sulthan Bathery showrooms. Please do not hesitate to contact us for any further clarifications you may require.
Download Abhiman brochure in English
Download Abhiman brochure in Malayalam
FAQ's
1. Why should I invest in gold?
2. What is Abhiman Gold Purchase Plan?
3. Who can save in Abhiman?
4. Why should I save with Abhiman?
5. Where can I join Abhiman?
6. What documents do I have to furnish?
7. What happens when I save money in Abhiman?
8. What is the duration of the plan?
9. How much money will I have to put in each time?
10. When do I have to make the payments?
11. Do I get a receipt each time I make a payment?
12. Is my money safe?
13. How can I utilize the money I have saved?
14. Can I buy gold coins with the amount I have saved?
15. What will be the gold rate applicable when I buy against my savings in Abhiman?
16. Do I get to buy jewellery without any making charges?
17. How much would I have to pay in taxes when I make a purchase?
18. I’m not in Kozhikode, Kannur and Sulthan Bathery but I would like to join Abhiman. What should I do?
19. What is the EasySave option?
20. I am a NRI. Once I join, how can I make remittances?
21. When I make a payment using cheques/DDs/MOs or internet banking, what is the gold rate applied for my transaction?
22. Do I have to mention the duration and amount of payments I wish to make when I apply?
23. Can I have multiple Abhiman accounts?
Gold has always been one of the best investment options and offers unparalleled security, value appreciation and liquidity. Bhima has an unmatched tradition of trust since 1925. You have made the right choice by deciding to invest in Bhima Gold.Back to Top
What is Abhiman Gold Purchase Plan?
Abhiman is a gold jewellery purchase plan from Bhima. Saving in the plan is like investing in gold, the difference being that you have the advantage of having your savings earn and grow, and also do not have the risk of physically storing the gold.Back to Top
Who can save in Abhiman?
Indian nationals who are competent to contract, who need gold in the future and want to purchase it at current market rates can join this plan.Back to Top
Why should I save with Abhiman?
Gold prices are rising at a frenetic pace in the international market. In just the last 5 years, the price of gold has risen by over 200%. In these circumstances it becomes relevant for you to invest wisely in gold and save money. In short, you get the double benefit of appreciation in gold value and bonus on your savings. When you start planning for the future, or for your daughter's marriage, you will find that the increase in the price of gold will not affect your purchasing power. In the future, you are able to purchase gold ornaments at the weighted average of the rates at which you have made an advance payment.Back to Top
Where can I join Abhiman?
Abhiman is offered at Bhima Kozhikode, Kannur and Sulthan Bathery showrooms.Back to Top
What documents do I have to furnish?
You have to provide the application form duly filled with a recent colour passport sized photograph and a self attested copy of a valid ID like a PAN card, passport copy, or a driving license. The application form is available in our showroom or from the link on this webpage. Back to Top
What happens when I save money in Abhiman?
Each time you deposit an amount, it is credited to your account in equivalent weight of 22 karat (91.6) gold of the same value. Thus if you deposit Rs. 1500 when the rate of 22k gold per gram is also Rs. 1500, a weight of 1 gram of 22k gold is credited to your account.Back to Top
What is the duration of the plan?
The duration of the plan shall be for a period of three calendar years from the date of commencement/joining. However, the bonus on whatever amount you have deposited to your account will start to reflect only after a minimum period of 6 months after joining the plan. Back to Top
How much money will I have to put in each time?
Abhiman is very flexible in terms of the amount you wish to save and the time you wish to do the same. The amount should be a multiple of Rs. 250, and the cash you pay is converted into gold of equivalent value. Thus your savings are effectively converted to gold. If you make a certain amount of savings in a month, you do not necessarily have to put in the same amount subsequently. Thus Abhiman adjusts to your budget. Back to Top
When do I have to make the payments?
You can make payments as per your convenience. Thus, Abhiman offers you unmatched flexibility. You do not have to make a schedule for the plan, it adjusts to yours. Back to Top
Do I get a receipt each time I make a payment?
For each payment you make, you will be provided with a transaction receipt that clearly mentions the date, gold rate, amount received and gold weight credited. Your payment receipt would also have a running balance of amount received till date, gold weight accumulated till date, average gold rate and bonus earned. Back to Top
Is my money safe?
Abhiman is an offering from Bhima – The most trusted jeweller since 1925. Thus you can rest assured that your hard earned money is in safe hands. Back to Top
How can I utilize the money I have saved?
Your savings in Abhiman are in gold. You can buy gold jewellery against your gold savings from the outlet from where you have enrolled for the plan. The bonus that your savings have earned would partially, if not fully cover the making charges of your gold jewellery purchase. You cannot redeem your savings or the bonus accrued thereof, partially or fully, in cash. Back to Top
Can I buy gold coins with the amount I have saved?
Your savings can be used only against purchase of gold jewellery. You cannot purchase gold coins/bullion or items other than gold jewellery with your savings in Abhiman. Back to Top
What will be the gold rate applicable when I buy against my savings in Abhiman?
The weighted average of the retail rates of gold prevailing on the date(s) of advance payment(s) will apply at the time of purchase of gold ornaments on completion of plan duration. This will be applicable only for the weight of gold accumulated in the plan. The gold rate prevailing at the time of billing would apply for any additional weight over and above the same. Back to Top
Do I get to buy jewellery without any making charges?
The amount paid in advance is only towards the value of gold. Making charges will be applicable at the time of making the purchase. The bonus you have earned on your savings would partially, if not fully, cover the making charges of the jewellery you purchase depending on your choice of jewellery. Back to Top
How much would I have to pay in taxes when I make a purchase?
The prevailing rate of tax would apply at the time of making a purchase. Back to Top
I’m not in Kozhikode, Kannur and Sulthan Bathery but I would like to join Abhiman. What should I do?
Kindly send the application form duly filled with the relevant supporting documents and the initial installment, vide Demand Draft/Cheque (Payable at par)/Money Order favouring Bhima Jewellers payable at the location where you would like to enrol (Kozhikode Kannur or Sulthan Bathery). For your convenience, you can remit further payments to our account with HDFC Bank with our EasySave option. Back to Top
What is the EasySave option?
We offer an EasySave option wherein you can deposit directly into our account with HDFC bank through their branches anywhere in India. The account numbers to which remittances are to be made will be intimated to you on your successful enrolment in Abhiman Gold Purchase Plan. You will also be intimated of your 'Scheme Number', which is your Abhiman account number with us that should be mentioned every time you make remittances. Back to Top
I am a NRI. Once I join, how can I make remittances?
Our bankers have informed us that you can transfer funds conveniently to our current account using an internet banking facility. Alternately, you could give a standing instruction to your bank to transfer a fixed amount periodically. The third option is that you could give a cheque from your local NRI account through your relatives in India. Back to Top
When I make a payment using cheques/DDs/MOs or internet banking, what is the gold rate applied for my transaction?
Every time you make an EasySave deposit or a payment using a financial instrument other than cash, the amount would be converted into gold based on the board rate prevailing on the day your remittance reflects in our bank account. Back to Top
Do I have to mention the amount of payments I wish to make when I apply?
No, Abhiman is a very flexible plan, and you can save any amount you wish in multiples of Rs. 250. Thus, if you have any extra income in a month that you wish to save, you are welcome to do that, and if there are any unexpected financial exigencies, you may opt to save a lower amount. Back to Top
Can I have multiple Abhiman accounts?
You can have multiple accounts with different nominees. You would be provided with different plan numbers for the same. Back to Top
