Your pathway to auspicious prosperity
SUBHAPRADAM
Silver Saving Plan
EARLY BIRD OFFER: We pay 50% of your first installment
Enrol before 31st December 2026.
Subhapradam in short
Subhapradam is a 6-month silver jewellery saving plan from Tavya Silver Jewellery. You pay a fixed monthly installment of ₹5,000 or more (in multiples of ₹1,000) for 5 months. At 180 days Tavya adds one full month's installment as a bonus, you earn 1% loyalty points on every on-time payment, and plan benefits apply to your entire bill. Enrol at a Tavya store by 31 December 2026 and Tavya pays 50% of your first installment.
The Plan
A small monthly step towards a beautiful silver purchase
Subhapradam is a 6-month installment savings plan from Tavya Silver Jewellery. Save a comfortable amount every month, and buy the silver jewellery you love with added bonus value and rewards along the way.
How it Works
1. Pay monthly
Start from ₹5,000 a month and go higher in steps of ₹1,000 (₹5,000, ₹6,000, ₹7,000...).
2. Stay on time
Pay a minimum of 5 monthly installments on time. Each timely payment earns you 1% as loyalty points.
3. Enjoy at maturity
On maturity, after 180 days from enrolment, Tavya adds one full month's installment as your bonus.
Our Promise to You
Starting from just ₹5,000 a month.
One month bonus after you complete 5 installments.
Earn loyalty points every time you pay your installment on time.
Exclusive previews, services & surprises, with discounts on your entire bill, not just your saved amount.
Book your plan
Share your details and our team will call you to complete your enrolment at the Tavya store, Road No 36, Jubilee Hills, Hyderabad.
- Start from just ₹5,000 a month
- Tavya adds a full bonus month at 180 days
- Early bird: we pay 50% of your first installment
- Plan benefits on your entire bill
The Full-Bill Advantage
Save for 6 months. Shop big on maturity.
Your plan benefits apply to the entire final bill, even when you buy a piece worth more than what you have saved.
An example: ₹15,000 a month, growing to
Illustration for understanding only. Plan discount and offers as applicable at the time of purchase.
Enrol by 31st December 2026 and Tavya pays 50% of your first installment. On ₹15,000 a month, that is ₹7,500 from us.
Calculate your plan
Choose a monthly amount and the piece you have in mind. See what you save, what Tavya adds, and how much of your piece the plan covers.
From ₹5,000, in steps of ₹1,000. Fixed when you enrol.
of your bill after the plan discount is covered by your plan.
Common installment choices
Start at ₹5,000 a month and go higher in steps of ₹1,000.
| Monthly installment | You pay (5 months) | Tavya bonus month | Value at 180 days | Loyalty points | Early bird: Tavya pays |
|---|---|---|---|---|---|
| ₹5,000 | ₹25,000 | ₹5,000 | ₹30,000 | 250 pts | ₹2,500 |
| ₹6,000 | ₹30,000 | ₹6,000 | ₹36,000 | 300 pts | ₹3,000 |
| ₹7,000 | ₹35,000 | ₹7,000 | ₹42,000 | 350 pts | ₹3,500 |
| ₹8,000 | ₹40,000 | ₹8,000 | ₹48,000 | 400 pts | ₹4,000 |
| ₹9,000 | ₹45,000 | ₹9,000 | ₹54,000 | 450 pts | ₹4,500 |
| ₹10,000 | ₹50,000 | ₹10,000 | ₹60,000 | 500 pts | ₹5,000 |
Loyalty points assume all 5 installments are paid within 3 days of the due date. Early bird applies on enrolment on or before 31 December 2026.
Why you'll love it
Low Entry
Start with as little as ₹5,000
Clear Goal
Save with a purchase in mind
Rewards on the Way
Loyalty points with every timely payment
One Month Bonus
At maturity, plus special offers
Full-bill Benefits
Beyond your saved balance
Wide Range of Silver Jewellery
To choose from
Easy Payments
UPI, debit card, NEFT/RTGS or at our store
Your Choice
Of redemption experience
The dates that matter
The date the amount is credited to Tavya's account is the date that counts.
Pay within 3 days of your due date to earn 1% loyalty points.
Paid later than 7 days? Maturity moves out by 30 days and that month earns no points.
Choose your jewellery within 30 days of your maturity date.
If your plan is extended, jewellery must be purchased within 240 days of enrolment.
Terms & Conditions
Please read the full terms
- About the plan: Allows customers to purchase jewellery after 180 days with benefits on paying a minimum of 5 installments paid on time.
- Monthly payment: The monthly installment amount is selected during enrolment and must be at least ₹5,000, and in multiples of ₹1,000.
- Minimum period: 5 timely monthly installments are required for full plan benefits at the end of the 180 days.
- PAN/KYC requirements apply as per prevailing law and company policy.
- In case of plan extension, jewellery must be purchased within a maximum of 240 days from the enrolment date.
- Plan maturity extension: If an installment is not paid within 7 days of its actual due date, the maturity will be extended by 30 days each time, and no loyalty points are added for that month, even if paid later. For example, if the plan starts on the 31st of any month, the payment must be made on or before the 7th of the following month to avoid plan extension.
- Loyalty points: Installment must be paid within 3 days of the actual due date to earn loyalty points. The date the amount is credited to the company's account is considered. For example, if the plan starts on the 31st of any month, the payment must be made on or before the 3rd of the following month to qualify for the loyalty benefit.
- Exit before plan maturity: If the customer wants to exit before maturity, they can purchase silver jewellery equal to the accumulated amount and no plan benefits will be given. The Early Bird Offer benefit will also be forfeited in case of exit before plan maturity.
- Purchase window: The customer will have a 30-day purchase window after the maturity date.
- Cash payments of below ₹2 lakh only are permitted in accordance with applicable law.
- The customer in whose name the plan was enrolled must be present at redemption.
- The plan is non-transferable. Cash withdrawal or refund is not available.
- Tavya Silver Jewellery is not responsible for sending payment reminders.
- Not permitted: Coins, bullion, bars, anklets, toe rings and silver articles are not eligible for purchase using this plan.
- Payment modes: UPI, debit card, NEFT/RTGS, or cash at our branch with receipt.
- Jewellery purchased must be equal to or above the accumulated value with benefits.
- Any change in government levies (GST or new taxes) is borne by the customer.
- No other offer can be combined with this plan except those mentioned.
- Tavya Silver Jewellery reserves the right to modify or discontinue enrolment for future customers, subject to law.
- Existing enrolled customers continue on their enrolment terms unless law requires otherwise.
- If the plan is modified or suspended, jewellery equal to the accumulated value may be purchased; no refunds.
- Matters not covered here follow the company's documented plan policy and applicable laws.
- All disputes are subject to the jurisdiction of competent courts in Hyderabad.
Questions customers ask
What is the maturity period for the plan?
5 timely monthly installments are required for the plan to mature at the end of 180 days from the date of enrolment.
What is the Subhapradam Silver Saving Plan?
It is a 6-month installment plan from Tavya Silver Jewellery for buying silver jewellery. You pay a fixed amount every month, and at 180 days Tavya adds a bonus month, loyalty points and plan benefits on your entire bill.
What is the minimum monthly installment?
₹5,000. You can choose a higher amount in multiples of ₹1,000, such as ₹6,000, ₹7,000 or ₹15,000. The amount is fixed when you enrol.
How many installments do I pay?
A minimum of 5 monthly installments, paid on time. At maturity, 180 days after enrolment, Tavya adds one full month's installment as your bonus.
How do loyalty points work?
Every installment paid within 3 days of its due date earns 1% of the installment as loyalty points. On a ₹15,000 installment that is 150 points a month, or 750 points across 5 months. Points are adjusted when you buy your jewellery.
What happens if I pay an installment late?
If an installment is not paid within 7 days of its due date, your maturity moves out by 30 days each time, and no loyalty points are added for that month even if you pay later. With extensions, jewellery must be purchased within 240 days of enrolment.
Can I buy a piece that costs more than I have saved?
Yes. Plan benefits apply to the entire final bill, not just your saved amount. The jewellery you buy must be equal to or above your accumulated value.
What can I buy with the plan?
Silver jewellery from Tavya's range. Coins, bullion, bars, anklets, toe rings and silver articles are not included.
Can I close the plan early or withdraw cash?
Cash withdrawal and refunds are not available. If you exit before maturity, you can buy silver jewellery equal to your accumulated amount, with no plan benefits, and the early bird benefit is forfeited.
What is the early bird offer?
Enrol on or before 31 December 2026 and Tavya pays 50% of your first installment. On ₹15,000 a month, that is ₹7,500 from Tavya. All other plan benefits stay the same.
How can I pay my installments?
By UPI, debit card, NEFT/RTGS, or cash at the Tavya store with a receipt. Cash payments are accepted only below ₹2 lakh, in line with applicable law.
Where do I enrol, and what do I need?
Enrol at the Tavya store, Road No 36, Jubilee Hills, Hyderabad. PAN and KYC requirements apply as per prevailing law and company policy.
Can someone else redeem my plan?
No. The plan is non-transferable, and the customer in whose name it was started must be present at redemption.
Is Subhapradam an investment plan?
No. It is a plan for purchasing silver jewellery only. No benefit, cash or other income applies apart from the applicable plan discount.
Begin your Subhapradam journey at your Tavya store
Early bird offer valid till 31 December 2026
Beside Jeep Showroom, Opp. Metro Pillar 1624, Road No. 36, Jubilee Hills, Hyderabad, Telangana 500033
Mobile: +91 77339 44441 · www.tavyasilverjewellery.com
