Gold jeweler in Chennai that offer no making charges for gold savings scheme jewelry.

I saw finance with boosan video where Madurai veeran was the guest. Maduraiveeran said he invested in jewelry shop in Chennai in their monthly savings scheme. Where the customer pays 11 months and the jeweler pays the 12th month installment. Allongg with the customer gets to buy jewelry with out any making changes and wastage. I have never of such schemes. Does anybody such jewelry shops in Chennai? https://youtu.be/3viQfCuqbmM?si=KI942_gt2Kb-BbFe