Swarna Labh / Swarna Yojana / Swarna Vridhi

• It is only value deposit. No gold booking at the time of paying instalment.
• Gold rate applicable on the day of sale invoice.
• Minimum enrolment amount is ₹1000/- and multiple of ₹1000/- thereafter.
• Instalment can be paid or redeemed at any company stores as of now.
• There are three jewellery purchase scheme, Swarna Labh for 6 months, Swarna Yojana for 11 months & Swarna Vridhi for 18 months.
• Customer has to maintain the same instalment amount through out the scheme.
• 30% of one instalment will be pass on to customer as benefit of discount when making sale invoice for 6 months scheme if customer complete the scheme successfully without any default/delay payment.
• 75% of one instalment will be pass on to customer as benefit of discount when making sale invoice for 11 months scheme if customer complete the scheme successfully without any default/delay payment.
• 150% of one instalment will be pass on to customer as benefit of discount when making sale invoice for 18 months scheme if customer complete the scheme successfully without any default/delay payment.
• Customer have to mandatorily redeem the account within 60 days from the date of maturity.
• Payment of instalments after due dates will be considered as a default, for that particular month and the eligible discount would be reduced proportionately.
• No benefit in any form shall be provided for scheme where the scheme has been operated for less than 6 months or less than 6 instalments have been paid to the company.
• If the redemption is requested before the maturity of the scheme, “11 months scheme” will be eligible for discount under “6 months scheme” provided T&C of 6 months scheme have been compiled.
• If the redemption is requested before the maturity of the scheme, “18 months scheme” will be eligible for discount under “11 months scheme” provided T&C of 11 months scheme have been compiled.