DHANA VARSHA

FOR 15 MONTHS

Pay for 15 months, buy jewellery at 0% making charges* VA up to 22% waived off

*Redeemable from 15th month

Why Dhana Varsha Plan?

Disciplined Savings Habit

Encourages regular monthly savings over 15 months without financial burden.

Flexible Monthly Installments

Pay a fixed monthly amount that suits your budget.

Safe & Secure Investment

Your money is converted into a tangible asset – gold, which holds long-term value.

Dhana Varsha Calculator

Installment Amount:
Min: ₹1,000 – Max: ₹1,00,000
Total Amount Paid: ₹75,000
Benefit Offered: ₹0
Redemption Value: ₹75,000
Benefit:
Pay for 15 months, buy jewellery at 0% making charges*
VA up to 22% waived off

Premium & Elegant

“Start Your Dhana Varsha Today”

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Terms And Conditions

  • All installments must be of equal amount and paid continuously over the scheme tenure of 15 months.
  • The minimum installment amount is ₹1,000, followed by additional multiples of ₹500.
  • VA up to 22% will be waived off. Any VA above 22% on selected jewellery will be charged additionally.
  • After completion of the 15-month tenure, if the VA is below 22%, the remaining VA balance will not be redeemed in future purchases. The benefit ends at the time of scheme purchase.
  • Monthly installments must be paid between the 1st and 10th of each month. In case of default, the maturity date will be postponed by the number of delayed months.
  • Subscribers who discontinue monthly payments will be eligible to purchase jewellery after maturity for the amount deposited. However, VA applicable as per the jewellery tag will be charged.
  • This scheme cannot be clubbed with any other offers provided by the company.
  • VA mentioned on the jewellery tag is full and final. No modifications will be entertained.
  • Customers may pay installments in advance; however, the purchase date will remain unchanged and will not be preponed.
  • The maturity date will be 30 days after the 15th installment payment or on completion of 15 months from the date of joining, whichever is later.
  • Stone charges and any other applicable product charges shall be borne by the customer at the time of billing.
  • GST will be applicable as per government norms and shall be paid by the customer.
  • For online payments, the account number for transfer is provided on the front page of the passbook.
  • There will be no refund of deposits under any circumstances.
  • Jewellery will be issued only upon submission of the original passbook.
  • In case of any dishonored cheque, a penalty of ₹300 will be levied. Thereafter, payments will be accepted only in cash or through Demand Draft (DD).
  • No reminders for payments or dues will be sent. It is the sole responsibility of the customer to make payments on time.
  • The passbook must be produced at the time of remittance of payments.
  • Receipts will be issued for all payments made during the tenure of the scheme.
  • Customers must ensure that all payments are accurately entered in the passbook. Any discrepancy should be reported to the management or staff immediately for correction.
  • Nominee details under this scheme are mandatory.
  • In the absence of the scheme member, a nominee may claim the purchase by submitting valid ID proof and a No Objection Certificate from the card holder.
  • For minor applicants, the scheme must be operated only by the parent or legal guardian.
  • The company reserves the right to amend, modify, add, or delete any of the terms and conditions at any time.
  • In case of a lost passbook, charges will be applied for reissue of a duplicate passbook. Charges will also apply if the passbook is not submitted at the time of scheme closure.
  • All disputes are subject to local jurisdiction only (Hubli).