Gold That Works Beyond
Ownership.
Build Wealth. Experience Luxury. Unlock Financial Freedom.
The Gold Ownership Gap
Gold has always been a store of value and a symbol of experience—but rarely both at the same time. You either invest for the future or own jewellery to enjoy today. This fragmented approach limits your gold to a single purpose, leaving its broader potential untapped.
Digital Gold
Convenient, but limited to value holding
- Cannot be worn, displayed or experienced as jewellery
- Buying and selling may involve spreads, taxes and provider-specific charges
- Physical redemption or delivery may involve additional costs and conditions
- Offers limited connection to jewellery and lifestyle experiences
Value Without Experience
Digital gold preserves your capital, but lacks any physical or lifestyle utility.
Physical Jewellery
Meaningful to own, but less flexible
- Making and wastage charges can increase the overall cost of ownership
- Often remains stored when not being worn, limiting everyday utility
- Accessing liquidity may involve valuation, documentation or additional processes
- Every style change may involve value depreciation, exchange deductions and new making charges
- Value remains tied to a specific piece, design and ownership journey
One Experience With Limited Flexibility
You enjoy one jewellery, and its broader financial utility may remain constrained.
Your Gold. One Connected Ecosystem.
Bring together cash, digital gold, coins, bars and existing jewellery through one unified Gold Balance—designed to connect investment strategies, jewellery experiences, financial access and broader ecosystem benefits.
Balance
Investment Strategies
Investment Only
Pure capital appreciation
Enroll & Experience
Bring your existing jewellery
Investment & Experience
Buy new gold, access luxury and more.
Experience Only
Access without ownership
Balance
Services & Benefits
Luxury Jewellery Cloud
Unlock premium jewellery experiences through your Gold Balance.
Instant Loans
Backed instantly by your Gold Balance.
Instant Liquidity
Convert eligible Gold Balance into cash when needed.
Gift Gold Ecosystem
Share your Gold Balance and its ecosystem benefits with loved ones.
Wealth Generation
Generate long-term value from your eligible gold assets.
Experience Luxury.
Unlock More From Your Gold.
Your Gold Balance opens the door to the LIMOVI Jewellery Cloud. As your eligible Gold Balance grows, so can your access to a wider range of jewellery experiences—from everyday elegance to grand celebrations. Explore premium collections for different moments without having to purchase a new piece every time.
Luxury Jewellery
Exquisitely crafted for weddings and significant life milestones.
Royal Long Haram
Heritage Necklace
Bridal Nose Ring
Temple Jhumkas
Bridal Wedding Set
Lifestyle Jewellery
Refined jewellery for every moment.
Pendant & Chain
Classic Bracelet
Solitaire Studs
Subtle Nose Pin
Elegant Gold Ring
Digital & physical gold backed loans.
Take a loan against your gold balance instantly without physical visits. We partner with RBI-regulated NBFCs as our primary lending rail.
- Enjoy jewellery experience worth value of remaining gold balance.
- Gold Loan + Jewellery Experience.
How your Gold converts to a Loan:
Your eligible Gold Balance is securely marked as collateral for the loan.
Our NBFC partner calculates eligibility based on strict RBI LTV (Loan-to-Value) limits.
Funds move directly from the regulated bank to your account. Your gold balance remains yours.
Instant Loans
Gold Collateral & Jewellery Experience Example
Instant Liquidity
Gold Liquidation Example
Instant Liquidity on Gold Balances
Liquidate your Gold Balance into transparent cash value instantly. Connected via secure IMPS/UPI banking APIs through certified payment gateways.
How your Gold converts to Cash:
Select the exact Gold Balance you wish to liquidate from your balance.
The equivalent cash value is locked in using transparent wholesale spot prices (MCX).
Cash is settled immediately via Razorpay/Cashfree IMPS rails directly to your bank.
Grow Wealth, Not Just Grams
Your gold shouldn't just sit in a locker. Turn a passive ornament into a dividend-paying asset with our Circular Economy, earning up to a 25% commercial dividend.
How your Gold generates wealth:
Your gold powers our Luxury Jewellery Cloud securely.
Receive a 25% commercial dividend on every experience charge generated.
Dividend Payout
Commercial Dividend Example
Gold Balance
To: Priya Sharma
Give Gold More Meaning.
Transform gifting into something more enduring. Give your loved ones access to a connected gold ecosystem designed to bring together value, curated jewellery experiences and greater flexibility—creating possibilities that extend well beyond the occasion.
- Experience MoreAccess eligible jewellery experiences for life’s meaningful moments.
- Unlock FlexibilityExplore supported financial possibilities within the ecosystem.
- Create Lasting ValueGive access to benefits designed to extend beyond a one-time gift.
ACCESS STRATEGIES
Choose Your Strategy
Select the strategy that best fits your lifestyle and financial goals.
Each option offers a tailored mix of ecosystem benefits and wealth-building opportunities.
Investment Only
Build long-term wealth with the flexibility to access luxury whenever you choose.
Investment & Experience
Invest once, experience luxury, and unlock additional earning potential.
- Minimum 50 grams 24K gold for Limovi membership benefits.
- Convert 80% of your investment into jewellery of your choice (includes gold weight rate + stone rate + GST = 80%), zero-making charge.
- 20% membership fee = lifetime Luxury Jewellery Cloud access + 14% making charge coverage.
- Redeem your gold balance as pure 24K gold subject to a 14% making charge deduction on the selected ornament.
- Exit with the selected ornament.
Enroll & Experience
Keep your treasured jewellery exactly as it is. Experience unlimited designer jewellery, earn passive income from your enrolled pieces, and save significantly on remodelling and making charges.
Experience Only
Access premium jewellery whenever you need it—without ownership
COMPARE YOUR JOURNEY
Choose the smarter way to grow, enjoy & access your gold.
BUY GOLD JEWELLERY
Pay 15% – 20% making charges on every purchase.
KEEP IT LOCKED
Jewellery stays idle in the locker. No returns. No use.
ONE JEWELLERY EXPERIENCE
Limited to enjoying just one piece of jewellery.
NEED MONEY?
Go for a gold loan. Limited loan value.
REPAY LOAN
EMI, Interest & repayment create ongoing burden.
REDEEM OR SELL
Sell jewellery or redeem gold after deductions.
GIFT OLD JEWELLERY TO NEXT GENERATION
Pass down old jewellery designs to next generation.
High cost, Locked wealth, Limited access, Financial stress.
You own gold, but gold doesn't work for you.
Invest Once.
Experience for a Lifetime.
INVEST IN GOLD
Build your 24K gold balance at best value with zero wastage.
UNLOCK ECOSYSTEM
Your gold balance unlocks lifetime membership benefits.
EXPERIENCE LUXURY
Wear premium jewellery anytime without paying making charges again.
LIQUIDITY / LOANS
Withdraw cash instantly against your gold balance at prevailing prices.
GROW YOUR WEALTH
Your gold grows in value and beats inflation over time + earn everytime with others experience on your jewellery.
GIFT & SHARE GOLD ECOSYSTEM
Gifting a luxury memory to next generation.
EXIT ON YOUR TERMS
Redeem as 24K gold or get money equivalent as per policy or exit with jewellery selected.
Zero wastage, Active wealth, Instant access, Financial freedom.
Your gold works for you, every single day.
15% – 20% making charges
Save 15% – 20% every time
Locked or needs loan
Instant liquidity anytime
No returns, only expense
Gold appreciates & multiplies
Own one, wear only that
Experience more, enjoy always
Restricted to a single piece
Access the entire Jewellery Cloud
The LIMOVI Ecosystem
A dynamic, interconnected network of industry leaders providing you a seamless end-to-end gold experience.
Jewellery Cloud
Powered by LIMOVI
Custom on-demand jewellery catalogs. Manufactured and stored securely via LIMOVI Vaults.
Physical Gold Loans
Top NBFCs
Partnered with trusted NBFCs to provide secure and flexible physical gold-backed loans.
Instant Liquidity
Powered by LIMOVI
Ensuring you have instant, seamless access to your wealth whenever you need it.
Digital Gold
Powered by LIMOVI Partners
A secure, 24K pure digital gold balance powered directly by LIMOVI.
Digital Gold Loans
Powered by LIMOVI Partners
Instant credit against your digital gold balance, powered seamlessly by LIMOVI.
Jewellery Cloud
Powered by LIMOVI
Custom on-demand jewellery catalogs. Manufactured and stored securely via LIMOVI Vaults.
Physical Gold Loans
Top NBFCs
Partnered with trusted NBFCs to provide secure and flexible physical gold-backed loans.
Instant Liquidity
Powered by LIMOVI
Ensuring you have instant, seamless access to your wealth whenever you need it.
Digital Gold
Powered by LIMOVI Partners
A secure, 24K pure digital gold balance powered directly by LIMOVI.
Digital Gold Loans
Powered by LIMOVI Partners
Instant credit against your digital gold balance, powered seamlessly by LIMOVI.
Frequently Asked Questions
Everything you need to know about the LIMOVI ecosystem.