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for SCHEMES

Golden Dream

About Scheme

 

In golden dream plan customer can buy jewellery without any wastage. This is a 11 month plan, you can pay a minimum of Rs. 500,1000,2500,5000 & 10,000.Monthly installment should be paid before every month end. Only gold jewellery, silver articles & gold coin can be purchased in this plan. 

 Customer can appoint a nominee in this scheme..
While joining this scheme:
a. Require ID proof for account holder & nominee photo.
b. Account holder photo and Finger print will be taken in person.
c. While purchasing jewels the account holder will be verified with his finger print.
 The sale price will be determined based on the prevailing market rate (i.e., the date of sale of gold ornaments).
 The advance for purchase is placed for design number…………shown in our catalogue.
 The account holder has a right to change the design while purchasing the jewels. 
 Under no circumstances the advance payment on various dates will remain unadjusted beyond 360 days from the date of first advance payment made against the order.
 ACH (Automatic Clearing House) facility available.
 Passbook should be produced on every transaction.
 Before the end of 12th month from date of joining the scheme, customer must purchase (Gold, Silver) jewels or coins for the amount in their account.
 The management reserves the right to change, alter the terms and conditions of this scheme at its discretion as per the prevailing Government rules & regulation.

 

Frequently Asked Questions

 

WHAT ARE THE BENEFITS FOR THE CUSTOMERS IN SCHEME?

Golden Dream is a unique scheme, where customers can buy gold & silver jewellery without wastage.

HOW MANY INSTALLMENTS DO WE REMIT UNDER GOLDEN DREAM SCHEME?

11 installments have to be remitted, the customers should buy jewels in the 12th month without fail.

HOW MUCH CAN WE PAY (INSTALLMENT) EVERY MONTH?

You can pay a minimum of Rs.500, 1000, 2500, 5000 & 10,000.

SHOULD WE PAY THE INSTALLMENT REGULARLY AND ON THE DATE EVERY MONTH?

Yes, monthly installment should be paid before every month end.

WHAT HAPPENS IF THE PAYMENTS ARE IRREGULAR?

Irregular paid installments is not eligible for the complete benefits of the scheme. (E.g.) if you have regular paid your monthly installment (Rs.1000) amounting to Rs.7000 on time & irregularly paid balance of Rs. 4000 under this scheme, then the benefit of the "no wastage" is eligible for the amount of Rs.7000 only. The wastage is applicable for the balance of Rs. 4000 only.

WHAT HAPPENS IF I DISCONTINUE?

EXAMPLE 1: CUSTOMER HAS PAID 4 INSTALLMENTS REGULARLY AND CLOSED BEFORE 11 MONTH?
In this case - principle amount only eligible to the customer
EXAMPLE 2: CUSTOMER HAS PAID 4 INSTALLMENTS REGULARLY AND CLOSED ON 12TH MONTH?
In this case - Scheme benefit will applicable for 4 installments as customer paid

CAN WE BUY DIAMOND & PLATINUM JEWELS IN THIS SCHEME?

Yes, you can buy diamond & platinum jewels in this scheme with wastage.

DO WE HAVE TO PAY VAT UNDER THIS SCHEME?

Yes, VAT is applicable.

CAN WE GET MONEY IN THIS SCHEME?

No, you can purchase gold &silver jewellery only in this scheme.

IF WE PURCHASE JEWELLERY WORTH MORE THAN THE SAVED AMOUNT, DO WE PAY WASTAGE CHARGES?

Yes (Eg) if you have saved Rs. 11,000 under this scheme and purchasing jewellery. In the 12th month for the worth of Rs. 15,000,after deducting the saved amount Rs.11, 000, the wastage is applicable for the balance Rs.4, 000.

CAN WE AVAIL SPECIAL DISCOUNTS OR FESTIVAL OFFERS IN THIS SCHEME?

No, special discounts or festival offers are not available in this scheme.

HOW DO WE PAY INSTALLMENTS?

You can pay your installments by CASH/CREDIT/DEBIT CARD/ACH or by MO/DD/AT PAR cheque in the name of "AVR SWARNAMAHAL JEWELRY PRIVATE LIMITED".

CAN WE PAY THE INSTALLMENT BY ACH (Automatic Clearing House)

Yes, you can pay installment by ACH (Automatic Clearing House). Once you agreed to pay by ACH, it will take one month for bank process. Every month on 5th (or) 10th your installment amount will be collected from your bank account directly.