In this scheme, customers should deposit 10 grams or more of 24 carat gold at Vardhaman Nagari Cooperative Credit Union, Chhatrapati Sambhajinagar. After completion of 12 months customer can get 4% more 24 carat gold on deposited gold. EG 100 gms gold customer + ms gm additional gold deposited by Vardhaman Nagri Sahakari Credit Society, Chhatrapati Sambhajinagar - Total 104 gm gold will be received by customers at the time of closing.