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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 on or before the 10th of each month.
  5. 5. Payments can be made in cash, or through online options
  6. 6. Minimum monthly installment: Rs.2000/- or more in multiples of Rs.1000/- Minimum Gold Metal booking amount is Rs.5000/- or more
  7. 7. Scheme period : 11 months; must be closed within 430 days from the date of enrollment
  8. 8. Receipts will be reflected on the app for each deposit made. Report discrepancies in entries or receipts within 7 days.
  9. 9. Scheme Name: Swarn Gullak(11+1) - Eligibility for 12th month bonus applies only if all installments are paid on time. Scheme Name: Swarn Gullak(Gold Metal) - 50% off on making charges of Gold and Diamond 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. 10. Early termination allows redemption on our products after scheme period ends, with no bonus/discount benefits
  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.
  15. 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. 16. Making charges apply based on jewellery type; diamond jewellery fixed at Rs.750/- per gram. This offer is valid only for - Scheme Name: Swarn Gullak(11+1).
  17. 17. 5% referral bonus on silver and diamond jewellery only after the referred member completes 5 installments.
  18. 18. Disputes at redemption will be resolved solely at managements’ discretion
  19. 19. All disputes are subject to Karnataka State Jurisdiction.
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