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EMI SCHEMES

CREDIT CARD EMI

Credit Card EMI is a convenient method of paying easy installments for your jewellery purchases.

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% + one-time Card swiping fees(2.5%)	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,6 Months, 9 Months and 12 Months as per bank discretion

FLEXI CARDLESS EMI

This is an EMI facility without the requirement of Credit Card for our clients who do not carry a Credit Card.

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(Deducted From Loan)	5000/- + GST(Deducted From Loan)

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

Terms and Conditions for EMI

CREDIT CARD EMI
- Credit Card Limit will be freezed on successful transaction
- If customer asks their bank to stop payments for the said purchase, than they will have to return the product.
- Only the Credit Card owner can avail the EMI.
- To avail Credit Card EMI, the card needs to be activated for EMI from the bank. Example: Silver, Platina, Neo, Diners 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 Application is rejected by the bank then 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 purposes, 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 (in account) of 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 electricity 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 Proprietary and LLP firms.
- Approval is done by Lenders based on their policy & criteria. We only act as service provider.