1. Under this Savings plan gold weight & amount will be credited to your account according to the prevailing gold rate at the time of remittance.

2. On completion of eleven months from the date of enrolment the member will be eligible to avail benefits of No wastage(VA) and No Making charges for purchase of gold jewellery limited to the accumulated advance amount or accumulated gold weight based on the option chosenby the member, at the time of purchasing gold jewellery.

3. When member purchases jewellery in excess of accumulated amount/gold the difference of amount/gold and wastage (VA) & making charges (MC) for the excess purchase of gold jewellery to be borne by the member.

4. Under this plan members can buy only Gold jewellery. Members cannot buy Silver, Diamond, Platinum Jewellery, Gift articles, birth stones and watches. Cash will not be refunded, at any circumstances.

5. With respect to members who discontinue before payment of eleven months they are not entitled for any of the benefits, they can purchase for the amount paid with wastage (VA) and making charges (MC).

6. GST (currently at 3%) & any other Government levies at the time of delivery have to be paid by the member.

7. This plan is unique and it cannot be linked with any other plan or offers.