KRT JEWELLERY ABOUT

1

Monthly Savings & Fixed Instalment

Customers may join the scheme by saving a minimum of ₹10,000 and a maximum of ₹1,00,000 per month, as per their convenience.

The amount paid in the first month will be fixed as the monthly instalment for the remaining 14 months.

Example If the customer pays ₹20,000 in the first month, ₹20,000 must be paid every month for the remaining 14 months.

The monthly instalment amount cannot be increased, decreased, or changed during the scheme period.

2

Scheme Tenure

The total scheme period is 15 months.

The scheme will be completed 30 days after the payment of the final instalment.

3

Gold Weight Credit

The amount paid under this scheme will be credited as gold weight based on the applicable market rate on the date of payment.

4

Maturity Benefit

Customers who complete all instalments and successfully complete the scheme can purchase jewellery 30 days after the date of payment of the final instalment.

MATURITY BENEFIT 100% Waiver of Wastage & Making Charges

5

Grace Period

An additional 3-month Grace Period will be provided for payment of missed instalments.

If the required instalments are not paid even within the Grace Period, the scheme will be automatically cancelled.

6

Early Withdrawal / Scheme Cancellation

If the customer withdraws from the scheme or the scheme is cancelled, jewellery can be purchased only against the total amount actually paid by the customer.

The accumulated gold weight will not be considered.

The amount paid will not be refunded in cash, and no bonus benefit will be provided.

An A/C Maintenance Charge of ₹200 will be applicable to customers who withdraw from the scheme before maturity.

7

Exclusions

Custom Order jewellery and Diamond jewellery are not included in this scheme.

8

Payment Method & Receipt Verification

Scheme instalments must be paid only at the KRT Cash Counter or through the official KRT App.

Customers must verify the receipt or payment details recorded in the App for every payment.

KRT will not be responsible for any payment that is not supported by an official receipt or payment record in the KRT App.

9

Required Documents

Customers must bring their valid ID proof and Passbook / Account Book while making payments and at the time of purchasing jewellery upon maturity.

10

GST & Other Applicable Taxes

At the time of purchasing jewellery upon maturity, GST and other applicable taxes , as prescribed by the Government, shall be payable by the customer.

11

Jurisdiction

Any disputes or legal proceedings relating to this scheme shall be subject to the jurisdiction of the Ramanathapuram courts.

PONMAGAL SCHEME