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Golden Happiness

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 and the discount amount will be calculated from the 2nd installment.
 Discount amount is eligible only for payment made regularly.

Installment AmountPrinciple AmountGift AmountDiscount AmountTotal Amount
500 5500 250 500 6250
1000 11000 500 1000 12500
2500 27500 1250 2500 31250
5000 55000 2500 5000 62500
10000 110000 5000 10000 125000
15000 165000 7500 15000 187500


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 happens if the payments are irregular?

Monthly installment should be paid regularly before every month end and if irregular payments are made then the monthly “Discount” values will not be entitled for those months.

What happens if I discontinue?

a: Customer has paid 4 installments regularly and if closed before 11 month?

In this case-principle amount only will be entitled to the customer and the gift value will be Deducted from the principle amount.

b: Customer has paid 4 installment regularly and if closed on 12 th month?

In this case-scheme benefit will be applicable for 4 installments along with the gift value.

Do we have to pay wastage, making charge & VAT under this scheme?

Yes, Wastage and making charge along with VAT is applicable in this scheme.

Can we avail special discounts or festival offers in this scheme?

Yes, the benefits are applicable.

Can we get cash back in this scheme?

Purchase of Gold, Diamond and Silver jewellery is only possible and cash cannot be paid back.

Just in case if the customer does not like the gift can it be paid as cash?

No cash cannot be paid back instead the same value can be added with the discount benefit.

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.