Gold Saving Scheme

• Zero Wastage (VA) Waiver: Complete all monthly instalments and get a 100% waiver on wastage (VA), up to 18%, on your gold jewellery purchase.
• Protection from rate changes: Under the gold weight option, each instalment is converted to gold weight on the day you pay, so later rate increases do not reduce the weight already credited.
• Redeem for jewellery: At maturity, redeem your savings for jewellery from our collection at our store in Vellore.

• Customers can join the gold saving scheme any day of the year.
• Existing members can enrol in multiple gold scheme cards concurrently.
• KYC (Know Your Customer) identity verification is mandatory for enrolment under applicable laws.
• Monthly instalments must be paid on or before the 10th of each calendar month.
• Instalments can be paid at our store on Gandhi Road, Vellore, or through online bank transfer / UPI options.
• The physical membership scheme card must be surrendered to the store at the time of final gold redemption.
• Late instalment payments will postpone the final scheme maturity / redemption date accordingly.
• Discontinuing the scheme early will result in forfeiture of any wastage waiver or gold rate lock benefits.
• Cash refund will not be permitted under any circumstances; the savings must be redeemed solely for gold / silver articles.
• PAN card copy is mandatory at the time of redemption for value exceeding ₹2,00,000.
• Government GST and any local jewellery taxes will be applicable at the time of final article delivery.

These scheme terms apply in addition to our general Terms & Conditions. The final terms are those printed on your scheme card at enrolment.