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Terms And Conditions

  1. 1. LAKSHMI BONUS SAVING PLAN (Amount Accumulation Plan) ~Customers can join the plan on any day of the year 1.The Monthly advance against purchase of jewellery must be equal and paid continuously for Twelve months.The advance payments cannot be extended beyond 12th month and is not transferable under any circumstances. 2.On completion of Twelve months from the date of enrolment, the customer will be eligible to purchase the selected Gold/Silver/Diamond jewellery with 1 month bonus under Lakshmi Bonus plan excluding Gold/Silver coin limited to the accumulated amount on the basis of at present metal rate. 3. Customers who choose to discontinue will not be eligible for any benefit / bonus and can only redeem to the extent of Accumulated amount under the plan, by paying 100% wastage (VA) on the basis of prevailing metal rate. 4. Payments of monthly advance against purchase of jewellery beyond the stipulated period or payment for more than one month will not be allowed. 5. Customers who choose to pre-close the enrolment will not be eligible for any benefits. 6.No cashback will be entertained. This plan is purely for buying Gold/Silver/Diamond jewellery only, not coin. 7.The Redemption date is 15 days after successful payments of all 12 instalments. 8.KYC (Know your customer) Verification is mandatory for membership 9.Government taxes and GST apply at the time of redemption. 10. Purchase under the plan applicable only on jewellery available in store 11.All disputes are subject to the jurisdiction of the competent courts in Chennai
  2. 2. LAKSHMI THANGAMAGAL SAVING PLAN (Weight Accumulation Plan) ~Customers can join the plan on any day of the year 1.The Monthly advance against purchase of jewellery must be equal and paid continuously for Twelve months.The advance payments cannot be extended beyond 12th month and is not transferable under any circumstances. 2.On completion of Twelve months from the date of enrolment, the customer will be eligible to purchase the selected Gold jewellery with 50% off on Wastage (V.A) mentioned on the tag of each product under Lakshmi Thangamagal gold plan excluding Gold coin limited to the accumulated weight. 3. Customers who choose to discontinue will not be eligible for any benefit / discount and can only redeem to the extent of accumulated gold under the plan, by paying 100% wastage (VA) on the basis of current gold rate. 4. Payments of monthly advance against purchase of jewellery beyond the stipulated period or payment for more than one month will not be allowed. 5. Customers who choose to pre-close the enrolment will not be eligible for any benefits. 6.No cashback will be entertained. This plan is purely for buying gold jewellery only, not gold coin 7.The Redemption date is 15 days after successful payments of all 12 instalments 8.KYC (Know your customer) Verification is mandatory for membership 9.Government taxes and GST apply at the time of redemption 10. Purchase under the plan applicable only on jewellery available in store 11.All disputes are subject to the jurisdiction of the competent courts in Chennai
  3. 3. LAKSHMI DREAM GOLD SAVING PLAN (No Wastage Plan) ~Customers can join the plan on any day of the year 1.The Monthly advance against purchase of jewellery must be equal and paid continuously for Twelve months.The advance payments cannot be extended beyond 12th month and is not transferable under any circumstances. 2.On completion of Twelve months from the date of enrolment, the customer will be eligible to purchase the selected Gold jewellery with 100% off on wastage (V.A) and Zero making charges under Lakshmi Dream gold plan excluding Gold coin limited to the accumulated amount. 3. Customers who choose to discontinue will not be eligible for any benefit / bonus and can only redeem to the extent of Accumulated amount under the plan, by paying 100% wastage (VA) on the basis of prevailing gold rate. 4. Payments of monthly advance against purchase of jewellery beyond the stipulated period or payment for more than one month will not be allowed. 5. Customers who choose to pre-close the enrolment will not be eligible for any benefits. 6.No cashback will be entertained. This plan is purely for buying gold jewellery only, not gold coin 7.The Redemption date is 15 days after successful payments of all 12 instalments 8.KYC (Know your customer) Verification is mandatory for membership 9.Government taxes and GST apply at the time of redemption 10. Purchase under the plan applicable only on jewellery available in store 11.All disputes are subject to the jurisdiction of the competent courts in Chennai