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& 100% B Plan

1. Customer can pay monthly installments in any of our showrooms.
2.Customer's Pan Card, Address Proof & Cancelled Cheque is mandatory. Nomination is compulsory and nominee’s Pan Card, Address Proof xerox is also mandatory.
3.Customers should preserve & return all the receipts at the time of scheme maturity.
4. If customer fails to purchase jewellery after 55 days of maturity, between 361 to 365 days all amount deposited by the customer under the scheme will be refunded through CHEQUE/NEFT/RTGS. In such cases customer will not be eligible for any benefit under the scheme.
5.Customers can pay in cash, by DEBIT CARD/CREDIT CARD, by CHEQUE/PDCs/NEFT/RTGS. The cheque should be drawn in the name of 'P. N. Gadgil & Sons Ltd.'
6.Customer can deposit Rs. 1,80,000 /- or (18,000 per month) by cash. Above Rs. 1,80,000 /-customer has to pay by DEBIT CARD/CREDIT CARD/CHEQUE/NEFT/RTGS only.
7. If the amount is deposited by cheque, it will be subject to realisation of cheque, in case of dishonouring of cheque, Rs. 150 will be deducted from amount deposited by customer under the scheme.
8. In case of pre maturity, customer is not eligible for any benefit under the scheme. In such cases amount will be refunded through bank CHEQUE/NEFT/RTGS.
9. Third Party transaction not allowed (As per PMLA Provisions)
10. Rate of discount mentioned in respect of this scheme 100%; 75%; 50%; and 5 % etc. is only on making charges. All discount references are only in respect of making charges. Gold; Silver; Diamond; Gemstone; Platinum and GST / Govt Taxes amounts are not subject of Discount. Not applicable on MRP products.
11. Scheme amount purchase should be made and adjusted only in single bill not in multiple bills.
12. Scheme Benefits will not be paid under any circumstances in form of Cash.
13. Customer can purchase pure gold & get 50% discount of monthly installment amount under this option. Example - If monthly installment amount of Rs. 1000/- then discount will be Rs. 500/-. Pure gold purchase will be in multiple of 500 milligram. Customer has to pay GST separately.
14.This Scheme is not applicable for 'Scheme-B'. (ex. Lumpsum single installment scheme) .
15. If customer purchase ornaments of lesser amount than his deposit, remaining amount will paid by cheque or if customer purchases bullion / vedhani out of remaining amount then in that case he is not entitled for any discount on such purchases.
16.On maturity of the scheme the customer can purchase jewellery from the available jewellery stocks or you may need to place the jewellery order from your selected designs.
17. All disputes are subject to Pune Jurisdiction only.
18. During the period of scheme if there is any change/addition/modification in GST laws or if any other law gets implied, in such case scheme will be modified accordingly.
19. 'P. N. Gadgil & Sons Ltd.' reserves all rights to make any type of changes or amendments or cancellation in the scheme.
20. It will be assumed that once customer registered under this scheme, has accepted the above terms & conditions.
Scheme (B)
  • Customer can deposit in single contribution.
  • Minimum installment amount is Rs 75000/ & multiple of Rs. 25,000/- .
  • After completion of 10 Months of the scheme, customer is entitled for discount of 100% on making charges on amount deposited by him on proportionate basis out of total bill amount. Any additional purchases over and above amount deposited will be entitled for 5 % discount on making charges.

Scheme B - 1

Scheme matured after completions of 6 months & before 10
months

123
amount deposited in scheme 75,000/- 75,000/- 75,000/-
customer purchased gold/silver/diamond 75,000/- 1,00,000/- 1,50,000/-
making on above purchase 9,000/- 12,000/- 18,000/-
scheme discount on making charges (in %) 75% 75% 75%
amount of discount on making 6,750/- 6,750/- 6,750/-
making on additional amount purchase by customer 0 5,250/- 11,250/-
additional 5% disc. on additional purchase by customer 0 263/- 563/-
total benefit to customer 6,750/- 7,013/- 7,313/-
* Scheme discount will be credited as per the installments paid

Scheme B - 1

Scheme matured after completions of 10 months & before 12 months (360 days)

123
amount deposited in scheme 75,000/- 75,000/- 75,000/-
customer purchased gold/silver/diamond 75,000/- 1,00,000/- 1,50,000/-
making on above purchase 9,000/- 12,000/- 18,000/-
scheme discount on making charges (in %) 100% 100% 100%
amount of discount on making 9,000/- 9,000/- 9,000/-
making on additional amount purchase by customer 0 3,000/- 9,000/-
additional 5% disc. on additional purchase by customer 0 150/- 450/-
total benefit to customer 9,000/- 9,150/- 9,450/-
* Scheme discount will be credited as per the installments paid
* The rates mentioned in the above example are indicative & current rate of gold will be applicable for calculation at the time of purchase.