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Terms And Conditions

  1. 1. Customers can join the scheme any day of the year.
  2. 2. Amount can be withdrawn any time in the scheme tenure, if customer requires and bonus will not be applicable at this situation. Customer can either buy Gold ornaments or silver articles for the scheme amount. In case if the customer requires coins against scheme then the bonus would be half the actual. Customer can buy the ornaments after maturity of the scheme. Installment paid by scheme customer will be accumulated in amount format in their account.
  3. 3. KYC (Know Your Customer) verification is mandatory for membership.
  4. 4. Monthly installments must be paid on or before the 30th of each month.
  5. 5. Payments can be made in cash, cheque, or through online options
  6. 6. The membership card must be surrendered at redemption.
  7. 7. Failure to surrender the card will result in cancellation of membership.
  8. 8. Report discrepancies in card entries or receipts within 7 days.
  9. 9. Late payments will postpone the redemption date.
  10. 10. Rewards and discounts are forfeited if the scheme is discontinued early.
  11. 11. The redemption date is 30 days after the last successful installment.
  12. 12. Government taxes apply to the delivery of jewellery.
  13. 13. The scheme cannot be combined with other company schemes.
  14. 14. Management reserves the right to accept or reject any application without explanation.