Scheme Duration:
This plan is valid for a total of 11 monthly installments only.

One Installment per Month:
Only one installment is allowed each month.

Installment Amount Range:
You may choose an installment amount ranging from ₹1,000 to ₹1,00,000.

Consistent Monthly Payments:
The same amount as the first month’s installment must be paid every month.

Passbook Requirement:
Customers must carry the passbook while making any installment payment.

Early Termination Policy:
If the scheme is discontinued before 11 months:

  • No refund or gold will be provided.
  • However, the amount paid can be used to purchase jewellery after scheme completion.
  • No discounts on wastage or making charges will apply in such cases.

Payment Methods:
Installments can be paid at the branch or online.

Online Payment Rule:
Online payments must be made for the exact same amount as committed initially — no more, no less.

Online Payment Disclaimer:
The company is not responsible for any technical issues during online transactions.

Taxes:
All applicable GST and taxes on jewellery and stones (crystals) must be paid separately by the customer.

Post-Completion Purchase:
After completing the scheme:

  • Passbook must be presented when making jewellery purchases.
  • Gold will be provided based on the market rate at the time of purchase.
  • No cash or gold coins will be given under any circumstances.

Eligibility to Purchase:
Only the registered account holder of the scheme can purchase jewellery, and only after completing all 11 installments.

Zero Making/Wastage Charges:
Upon completion, customers can purchase jewellery without any making or wastage charges on the scheme amount.

Full Purchase Required:
Jewellery must be purchased for the entire scheme value or more.

  • Partial purchases or cashbacks are not allowed.

Additional Purchase Charges:
If jewellery is purchased for more than the scheme value:

  • Making/wastage charges will apply only to the excess amount.
  • Charges vary based on the jewellery type.

Final Decision:
All matters related to the scheme are subject to the final decision of the company.