On Akshaya Tritiya, you may consider this government's gold monetisation scheme to utilise unused gold kept at home or in bank lockers to generate risk-free income. Indians have a special affinity for gold and consider it a safe investment and hedge against volatility. As such, you may have a significant quantity of gold in your home or bank locker. However, you can generate extra income if you deposit these precious assets with the Reserve Bank of India (RBI) under the government's gold monetisation scheme.