Terms And Conditions

  1. 1. Customers can join the scheme any day of the year.
  2. 2. Existing members can enroll in multiple schemes.
  3. 3. KYC (Know Your Customer) verification is mandatory for membership.
  4. 4. Monthly installments must be paid once only each month. Discounts / bonus apply only if all installments are paid on time.
  5. 5. GST levied by government is compulsory for all schemes. GST to be calculated at the time of delivery or closing of the bill.
  6. 6. Payments can be made in cash, UPI, or through online options.
  7. 7. The membership card must be surrendered at redemption.Failure to surrender the card will result in cancellation of membership.
  8. 8. Late payments will postpone the redemption date.
  9. 9. If discontinued, money will not be refunded in any circumstances.
  10. 10. Rewards and discounts are forfeited if the scheme is discontinued early.
  11. 11. The scheme is valid only for purchasing jewellery (gold and silver).The scheme cannot be combined with other company schemes.
  12. 12. PAN Card and details to be provided if the amount per month exceeds by ₹10000 by the same party. And in such cases no cash transactions possible , only BANKING options.
  13. 13. Bonus cannot be given in terms of cash.
  14. 14. The scheme does not cover refunds or exchanges for cash or bullion.
  15. 15. Charges for making jewellery are additional to the scheme investment.
  16. 16. Management can reject applications without providing reasons.
  17. 17. Disputes during redemption are resolved based on management’s decision.Terms and conditions are subject to change at management’s discretion.