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Golden Dream

About Scheme

This Scheme is valid for 11 months only.
  You can pay a minimum of Rs.500, 1000, 2500, 5000, 10000 & 15000 per month.
  Customer can get attractive gifts in this scheme
 Customer is eligible to purchase Gold Jewelry/ Diamond jewelry/Silver Articles Without wastage (UNLIMITED) However Making Charges may be applicable.
 In this scheme there is no Wastage and no Making charges for Gold Coins and even the GST will be borne by the company itself.
 Special discount or offers prevailing at the time of Purchase cannot be clubbed with scheme benefits.
 Irregular paid installments are not eligible for the complete benefits of the scheme.
 Under this scheme your monthly savings can be credited to your account as a) Cash value or b) 22Kt gold weight as per prevailing rates each month. On maturity you can choose whichever is beneficial for you.

Terms & Conditions

While joining the scheme
 1.Account holder photo and finger print biometric will be taken in person.
 2.While purchasing jewels the account holder details will be verified with his finger print biometric.
 It is mandated that all advance payments will be adjusted against order of gold & silver ornaments or coins within a maximum period of 365 days from date of first advance paid.
 This advance for purchase is placed for Design Number …… shown in our catalogue.
 The sale price will be determined based on the prevailing market rate (i.e., the date of sale of gold ornaments).
 Monthly installment should be paid before every month end.
 Payment can be made by Cash/ Credit card / Debit card / PAYTM.
 Online payment facility available at our website www.avrswarnamahal.com. All online payment service charges Free! . This will be borne by the company.
 Installment payments & Jewellery purchase should be made within the respective state only.
 The account holder has a right to change the design while purchasing the jewels.
 Passbook should be produced for every transaction.
 Installment payments & Jewellery purchase should be made within the respective state only.
 GST is applicable.
 The management reserves the right to change, alter the terms and conditions of this scheme at its discretion as per the prevailing Government rules & regulations.

 

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.