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 or before the 10th of each month.
- 5. Payments can be made in cash, or through online options
- 6. Minimum monthly installment: Rs.2000/- or more in multiples of Rs.1000/- Minimum Gold Metal booking amount is Rs.5000/- or more
- 7. Scheme period : 11 months; must be closed within 430 days from the date of enrollment
- 8. Receipts will be reflected on the app for each deposit made. Report discrepancies in entries or receipts within 7 days.
- 9. Scheme Name: Swarn Gullak(11+1) - Eligibility for 12th month bonus applies only if all installments are paid on time. 25% off on making charges of Silver Jewelry, and 10% off on Gold Jewellery, applies only if all installments are paid on time. You can even take Gold Coin or Bars - Making charges are applied. No offers on redemption of coins/bars. Scheme Name: Swarn Gullak(Gold Metal) - 25% off on making charges of Gold Jewelry, applies only if all installments are paid on time. You can even take Gold Coin or Bars - Making charges are applied. No offers on redemption of coins/bars.
- 10. Early termination allows redemption on our products after scheme period ends, with no bonus/discount benefits
- 11. The redemption date is 30 days after the last successful installment.
- 12. Government taxes apply to the delivery of jewellery.
- 13. The scheme cannot be combined with other company schemes.
- 14. Management reserves the right to accept or reject any application without explanation.
- 15. Redemption rule Swarn Gullak (11+1)- Scheme valid only on jewellery purchases(gold, diamond, silver); not valid for cash, coins or raw bullions. Redemption rule Swarn Gullak (Gold Metal) - Scheme valid only on jewellery purchases(gold, diamond) and also on Gold Coin purchases, not valid for cash or raw bullions.
- 16. Making charges apply based on jewellery type; diamond jewellery fixed at Rs.850/- per gram. This offer is valid only for - Scheme Name: Swarn Gullak(11+1).
- 17. 5% referral bonus on silver and diamond jewellery only after the referred member completes 5 installments.
- 18. Disputes at redemption will be resolved solely at managements’ discretion
- 19. All disputes are subject to Karnataka State Jurisdiction.