Jewellery
Purchase Plan

Terms & conditions:

  • This plan is valid for 11 months only.
  • You can pay a minimum of Rs.500/- and any amount in multiples of
    Rs.500[Eg.1000….5000]
  • Under this plan your monthly plans will be credited to your account as 22kt gold weight
    based on prevailing rate on that day.
  • Customers who regularly pay their monthly installments can purchase gold jewellery/
    diamond jewellery/ platinum jewellery/ silver articles without wastage [100%]. Making
    charges applicable.
  • In this plan there is no wastage or making charges for gold coins. Even the GST will be
    borne by company itself.
  • Special discount or offers prevailing at the time of purchase cannot be clubbed with plan
    benefits.
  • 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.
  • Monthly installment should be paid before every month end of every month. If you do
    not remit regularly you will not get the benefits of the plan. For the weight of gold with respect to the defaulted months, wastage and making charges will be charged.
  • While joining the plan 1]account holder photo and finger print biometric will be taken in person. 2] while purchasing jewels, the account holder details will be verified.
  • 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 account holder has a right to change the design while purchasing the jewels.
  • Passbook should be produced for every transaction.
  • Installment payments & Jewellery purchase can be made at any of the branches of
    AVR SWARNAMAHAL JEWELLERS.
  • There is no cash refund, you can buy only jewels or coins.
  • The management reserves the right to change, alter the terms and conditions of this plan
    at its discretion as per the prevailing Government rules & regulations.
  • GST is applicable for all the jewels purchased under this plan.
  • If the customer has lost his pass book, he has to pay Rs100/- to get a new one.

Terms & conditions

  • As per this plan , customer can purchase the jewel after completion of 8 months and before 12 months.
  • GST is applicable to all jewels purchased under this plan, where gold coins are purchased
    GST will be borne by the company.
  • The customer account shall be credited in gold weight of 22kts, depending on gold rate on
    the day of payment.
  • On maturity of the plan, the total weight in the account of the customer can be purchased
    without wastage. For additional weight customer has to pay wastage charges.
  • The net weight of the customer’s old jewel will be taken into account as payment, as per
    the valuation of the company’s appraiser.
  • If you have become a member by giving old jewellery, and if you discontinue to pay you
    cannot purchase gold coins. Only new jewellery can be purchased.
  • Pass book must be produced while purchasing jewellery.
  • Customer’s bio metric and photo id will be taken at the time of enrolment and the same will be verified when he purchases jewellery.
  • The customer could appoint a nominee of his choice.
  • On maturity of the plan, customer can purchase gold, silver or diamond jewellery for their
    accumulated amount; For this user will be no wastage [100% free]. Making charges will be applied.
  • This jewellery purchase advance is being received for design no………. as indicated in the catalogue on purchasing the jewel the customer can change the design as desired.
  • While purchasing the jewel, no other prevailing discount or offer can be clubbed together.
  • The money and old jewellery received under this plan, can’t be refunded under any circumstance; only new jewellery could be purchased at the time of maturity.
  • If the customer want to buy jewellery before the end of the plan or discontinues in between no benefits can be availed.
  • Payment of Rs.2,00,000/- and above must be supported by PANCARD/ AADHAAR CARD/
    Tax documents as may be mentioned.
  • On maturity jewels can be purchased in any branch at any location of AVR
    SWARNAMAHAL JEWELLERS.
  • The company reserves the right to amend or alter any of the above terms and conditions is accordance with the prevailing norms of the Government and Tax rates.
  • If the customer has lost his pass book, he has to pay Rs100/- to get a new one.

Terms & Conditions

  • This plan is valid for 11 months only.
  • Customer can pay minimum of Rs.100/- & above as many times in 11 months. (From the date of joining).
  • The amount remitted will be converted into 22kt gold at the prevailing board rate in the account immediately & 5% extra value will be eligible from the 31 st day onwards.( The extra value will be calculated on 365 days basis ).
  • Customer can buy jewels or coins any number of times before the completion of 11
    months.
  • When buying jewellery under this plan, wastage and making charges will be
    applicable.
  • While joining the plan 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.
  • Before the end of 12 th month from the date of joining the plan customer must urchase jewels or coins for the amount in their account.
  • This 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.
  • Customer can appoint a nominee in this plan.
  • Passbook should be produced for every transaction.
  • There is no cash refund in this plan; you can buy only jewels or coins.
  • It is mandatory that all advance payments will be adjusted against order within a maximum period of 365 days from date of first advance paid.
  • The management reserves the right to change, alter the terms and conditions of this plan at its discretion as per the prevailing Government rules & regulations.
  • GST is applicable.
  • If the customer has lost his pass book, he has to pay Rs100/- to get a new one.

Salient Features

  • You can purchase gold coins also in this scheme. did I charge and GST for gold coins will be borne by the company itself.
  • Monthly installments will be created to your account as 22 kt Gold weight as per prevailing rates of the day.
  • Customers who regularly pay their monthly installments can purchase Gold jewellery / Diamond jewellery / Platinum jewellery Silver article without wastage (100%) only for the weight accumulated in their account. Making charges is applicable.

Frequently Asked Questions:

What are the benefits of the customers in this plan?

Golden dream is a unique plan where customers can buy Ģold diamond / Platinum / Silver jewelry and 100% without wastage.

Should we pay installment regularly every month?what happens if the payments are irregular?

Yes, the monthly installment should be paid before every month’s end. Irregularly paid installments are not eligible for the complete benefit of the plan. The wastage and making charges applicable for the irregularly paid installments.

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

No you can purchase Ģold diamond / Platinum / Silver jewellery only in this plan.

Do we have to pay tax under this plan?

Yes, GST is applicable to all Jewels sold under this plan. The GST for gold coin purchases will be borne by the company.

Do we pay making charges in this scheme?

Yes, making charges is applicable to this scheme.

Salient Features

  • This plan is valid for 11 months only.
  • Customers can pay a minimum of INR.100 & above as many times in 11 months (from the date of joining).
  • The amount will be converted into 22Kt gold at the prevailing board rate in the account immediately and 5% extra value will be eligible from the 31st day onwards. (The value will be calculated on a 365 days basis).
  • Customers can buy jewels or coins any number of times before the completion of 11 months.

Frequently Asked Questions

What is the benefit of this purchase plan?

5% extra value will be eligible for this plan for every remittance over 31 days. (The extra value will be calculated on everyday basis)

Do we have to pay wastage, making charge and GST under this plan?

Yes wastage, making charge and GST applicable in this plan.

Can we avail special discounts for the festival offers in this plan?

You can purchase only Gold / Diamond Platinum / Silver and Gold coins in this plan. No cash refunds will be provided.

How do we pay installment?

You can pay your installment by cash/credit/card and debit card.

Salient Features

  • It is a unique one-time payment plan.
  • Minimum initially payment INR.10,000 or in multiples thereof. Payments can be made in the form of Cash / Credit card / Debit card / Old jewels (22/24Kt) / Gold bar (22/24Kt) Gold coin (22/24Kt) / Diamond and Silver also.
  • The payment will be credited as weight (22Kt gold) in your account as per the prevailing gold rate on the day.
  • Old jewels can be used to commence this plan based on appraiser valuation on the day gold rate (22Kt)
  • The duration of this plan is 8 months. (240 days)
  • Avail unlimited 100% no wastage for all Gold jewellery / Diamond jewellery / Platinum jewellery / Silver ornaments 100% without wastage (UNLIMITED). However, making charges may be applicable.
  • You can purchase gold coins also in this scheme. The die charge and GST for Gold coins will be borne by the company itself.

Frequently asked questions

What is the initial payment for this plan?

Minimum initial payment is INR.10000 or in multiples thereof

Customers old jewellery ( to purity as 22Kt gold )

22/24Kt Gold bar / Gold coin / Diamond jewellery and Silver ornaments are so accepted.

When an investment is of INR.200000 and more customers can use Credit card / Debit card payment also.

When will the customer be able to buy jewellery under this plan?

After completion of eight months and within 12 months completion of the year plan.

What is the benefit of investment in Gold fortune?

100% unlimited no wastage on all ornaments Gold / Diamond / Platinum and Silver. But making charges and GST are applicable.

what if a customer wants to exit from the plan before maturity?

The customer will lose the plan benefit, unlimited no wastage customer will have to pay wastage charges
No old jewels will be returned. Customers can get new jewels only.
No refund of cash is allowed.
Pre-matured scheme (the customer who joined the scheme with old jewels) will not be eligible for purchase of gold coins 24Kt Bar and will have to pay wastage and making charges.

Golden Dream

Terms & conditions:

  • This plan is valid for 11 months only.
  • You can pay a minimum of Rs.500/- and any amount in multiples of Rs.500[Eg.1000….5000]
  • Under this plan your monthly plans will be credited to your account as 22kt gold weight based on prevailing rate on that day.
  • Customers who regularly pay their monthly installments can purchase gold jewellery/ diamond jewellery/ platinum jewellery/ silver articles without wastage [100%]. Making charges applicable.
  • In this plan there is no wastage or making charges for gold coins. Even the GST will be borne by company itself.
  • Special discount or offers prevailing at the time of purchase cannot be clubbed with plan benefits.
  • 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.
  • Monthly installment should be paid before every month end of every month. If you do not remit regularly you will not get the benefits of the plan. For the weight of gold with respect to the defaulted months, wastage and making charges will be charged.
  • While joining the plan 1]account holder photo and finger print biometric will be taken in person. 2] while purchasing jewels, the account holder details will be verified.
  • 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 account holder has a right to change the design while purchasing the jewels.
  • Passbook should be produced for every transaction.
  • Installment payments & Jewellery purchase can be made at any of the branches of AVR SWARNAMAHAL JEWELLERS.
  • There is no cash refund, you can buy only jewels or coins.
  • The management reserves the right to change, alter the terms and conditions of this plan at its discretion as per the prevailing Government rules & regulations.
  • GST is applicable for all the jewels purchased under this plan.
  • If the customer has lost his pass book, he has to pay Rs100/- to get a new one.

Gold Mine

Terms & Conditions

  • This plan is valid for 11 months only.
  • Customer can pay minimum of Rs.100/- & above as many times in 11 months. (From the date of joining).
  • The amount remitted will be converted into 22kt gold at the prevailing board rate in the account immediately & 5% extra value will be eligible from the 31 st day onwards.( The extra value will be calculated on 365 days basis ).
  • Customer can buy jewels or coins any number of times before the completion of 11 months.
  • When buying jewellery under this plan, wastage and making charges will be applicable.
  • While joining the plan 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.
  • Before the end of 12 th month from the date of joining the plan customer must urchase jewels or coins for the amount in their account.
  • This 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.
  • Customer can appoint a nominee in this plan.
  • Passbook should be produced for every transaction.
  • There is no cash refund in this plan; you can buy only jewels or coins.
  • It is mandatory that all advance payments will be adjusted against order within a maximum period of 365 days from date of first advance paid.
  • The management reserves the right to change, alter the terms and conditions of this plan at its discretion as per the prevailing Government rules & regulations.
  • GST is applicable.
  • If the customer has lost his pass book, he has to pay Rs100/- to get a new one.

Golden Fortune

Terms & conditions

  • As per this plan , customer can purchase the jewel after completion of 8 months and before 12 months.
  • GST is applicable to all jewels purchased under this plan, where gold coins are purchased GST will be borne by the company.
  • The customer account shall be credited in gold weight of 22kts, depending on gold rate on the day of payment.
  • On maturity of the plan, the total weight in the account of the customer can be purchased without wastage. For additional weight customer has to pay wastage charges.
  • The net weight of the customer’s old jewel will be taken into account as payment, as per the valuation of the company’s appraiser.
  • If you have become a member by giving old jewellery, and if you discontinue to pay you cannot purchase gold coins. Only new jewellery can be purchased.
  • Pass book must be produced while purchasing jewellery.
  • Customer’s bio metric and photo id will be taken at the time of enrolment and the same will be verified when he purchases jewellery.
  • The customer could appoint a nominee of his choice.
  • On maturity of the plan, customer can purchase gold, silver or diamond jewellery for their accumulated amount; For this user will be no wastage [100% free]. Making charges will be applied.
  • This jewellery purchase advance is being received for design no………. as indicated in the catalogue on purchasing the jewel the customer can change the design as desired.
  • While purchasing the jewel, no other prevailing discount or offer can be clubbed together.
  • The money and old jewellery received under this plan, can’t be refunded under any circumstance; only new jewellery could be purchased at the time of maturity.
  • If the customer want to buy jewellery before the end of the plan or discontinues in between no benefits can be availed.
  • Payment of Rs.2,00,000/- and above must be supported by PANCARD/ AADHAAR CARD/ Tax documents as may be mentioned.
  • On maturity jewels can be purchased in any branch at any location of AVR SWARNAMAHAL JEWELLERS.
  • The company reserves the right to amend or alter any of the above terms and conditions is accordance with the prevailing norms of the Government and Tax rates.
  • If the customer has lost his pass book, he has to pay Rs100/- to get a new one.