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EMI SCHEMES

CREDIT CARD EMI

Credit Card EMI facilities are very famous these days since they give the flexibility of paying in easy installments. With this facility extended to buy Jewellery, the purchasing power of the user increases substantially.

Product Value	50,000	1,00,000	2,00,000
EMI for 12 Months	4,500	9,000	18,000
EMI for 24 Months	2,416	4,833	9,667
Pay in shop 3.99% + Card swiping fees(2.5%) One Time	3,250	6,500	13,000

Interest rate starting from 11.99% (8% in EMI and 3.99% in shop)
Available ONLY on Diamond Jewellery, Platinum & Silver Jewllery
Available on HDFC, AXIS, ICICI, Kotak, RBl, Standard Chartered, Cnetral Bank, American Express, HSBC, Indulsand Bank & Yes Bank Credit Cards.
Down Payment: Not Required
Product Values: Rs. 5,000 upto Credit limit
EMI Tenure: 3 months to 24 months, As per bank

FLEXI CARDLESS EMI

Not everyone has a credit card to avail the EMI through them, thus keeping in mind for customers who don't have a credit card. JewelFina.com also provides EMI without credit card facility to customers.

Product Value	1,00,000	2,00,000
EMI for 12 Months	9,580	19,200
EMI for 24 Months	5,400	10,800
Documentation fees Starting(2.5%)+ GST	2500/- + GST(Deducated From Loan)	5000/- + GST(Deducated From Loan)

Interest rate starting from 11.99% to 16% Per annum as per customer profile
Down Payment: 10% of Product Value
Product Values: Rs. 50,000 to Rs.10 Lacs
EMI Tenure: 1 year to 5 Years

EMI TERMS AND CONDITIONS

CREDIT CARD EMI
- Credit card limit will be freez on successful transaction
- If customer ask his credit card bank to stop payment for the credit card transaction done, then he has to return the product
- Onwer ofthe Credit card can only do the purchase
- To avail Credit card EMI, cards should be EMI activated by bank.Example: Silver, Platina, Neo, Dinners club, Petro cards, My Zone, Buzz, Vistara, Privilege and etc are not EMI activated by banks hence they cannot be used for EMI Purpose.
- Required Documents: No
- Banks Might charde GST on the Interest Amount
FLEXI CARDLESS EMI
- Post Approval on Flexi EMI:Customer as per his choice, has to bring the approved amount to shop and complete the purchaase of the selected item.
- Rejection:If for any reason, the Aplication is rejected by the bank the full advance/down payment will be refunded.
- Foreclosure is allowed as per approving bank policy. this is mentioned on the agreement.(usually charges is 2% on remaining principal amount)
- Given interest rates & Documentation Charges examples are only for understanding purpose, actual rates might vary based on customer profile.
- Minimum allowed age 21 Years & Maximum allowed age 52 years
- Please Note:Flexi cardless EMI is available ONLY for salaried customers having net monthly salary 9in account) Rs.30,000 or more.
- Required Documents:PAN Card, Adhaar Card, 6 months salary slip, 6 months upto date bank statement, current address proof & latest electric bill.
- Please note banks might not accept applicable for below profiles:Pensioners, Lawyer, Police, LIC agents(commission), Stock broker and sub broker, Travel Agents, Beauty Parlour, Construction or Builder, Rental Income, Gold Smith, Agriculture Imitation Jewellery and Jewellers Employee of Proprietory and LLP firms.
- Approival are done by Lenders based on their policy & criteria. We only act as service provider.