Terms And Conditions

1. Customers can join the scheme any day of the year.
2. Existing members can enroll in multiple schemes.
3. KYC (Know Your Customer) verification is mandatory for membership.
4. Monthly installments must be paid on any date of the month .
5. Payments can be made in cash, cheque, or through online options
6. Report discrepancies in card entries or receipts within 7 days.
7. Late payments will postpone the redemption date.
8. Rewards and discounts are forfeited if the scheme is discontinued early.
9. The redemption date is 30 days after the last successful installment.
10. Government taxes apply to the delivery of jewellery other than 3% GST
11. The scheme cannot be combined with other company schemes.
12. Management reserves the right to accept or reject any application without explanation.
13. Cancellation & Refund Terms ✅ On cancellation before completion of the scheme, we will NOT return gold. Refund will be in INR only, credited to the original payment method. ✅ Refund Calculation: Refund Amount = Total Amount Paid Minus – 3% GST (GST is borne by us only on completion, not on cancellation) – 2% Payment Gateway Charges – Gift Value Deduction.
14. We Follow rates given by our Association (MJDTA) which can be viewed online.
15. Special customisation like name engraving, laser jobs or stone jewellery will cost extra wastage, (minimum 2% upto 8%)