• The duration of the plan is 11 months.
• Members can join this plan by opting for monthly installment starting from Rs.500.
• Members are eligible to invest in multiple investment plans simultaneously.
• Monthly advances towards Jewellery purchases must be equal and paid consecutively for 11 months. Advance payments cannot be extended beyond the 11th month, are non-transferable, and can only be adjusted against Jewellery purchases.
• Members cannot transfer their installments in an investment plan to another individual’s name or another investment plan.
• To avail scheme benefits, members must pay one installment per month. Advance payments are not accepted and no interest will be eligible for advance payments.
• In case of address changes or lost passbooks, members must immediately inform the Jewellery shop and apply for a duplicate passbook with updated KYC details.
• Monthly advances exceeding Rs.18,000 must be paid through DD / Debit card / Credit card / NEFT / RTGS etc., and not in cash.
• Members cannot use multiple Jewellery plan accounts to purchase a single Jewellery, if the monthly advance exceeds Rs.2,00,000 in cash.
• Members must surrender their passbook and one ID proof at the time of Jewellery purchase.
• At the time of joining, members must appoint a nominee.
• Members must bear GST and other Government levies at the time of purchase/delivery for all sales transactions.
• The scheme must be closed within 3 months from the date of the scheme closure; otherwise scheme benefits cannot be availed.
• Withdrawal from the scheme before completion is not possible. Defaulting members will be forfeited of scheme benefits.
• Possession of gold ornaments is possible only after 30 days from scheme completion.
• Bhima Jewellery management reserves all rights and final decisions regarding this scheme.
• This scheme falls under the jurisdiction of respective Bhima Jewellery showrooms in different regions.
• The scheme adheres to the rules and regulations prescribed by the Government from time to time.
• Gold ornaments as per this scheme can be owned only from the respective Bhima Jewellery showrooms at which the customer enrolled for the scheme.

• The duration of the plan is 11 months.
• Members can join this plan by opting for monthly installment starting from Rs.500.
• Members are eligible to invest in multiple investment plans simultaneously.
• Monthly advances towards Jewellery purchases must be equal and paid consecutively for 11 months. Advance payments cannot be extended beyond the 11th month, are non-transferable, and can only be adjusted against Jewellery purchases.
• Members cannot transfer their installments in an investment plan to another individual’s name or another investment plan.
• To avail scheme benefits, members must pay one installment per month. Advance payments are not accepted and no interest will be eligible for advance payments.
• In case of address changes or lost passbooks, members must immediately inform the Jewellery shop and apply for a duplicate passbook with updated KYC details.
• Monthly advances exceeding Rs.18,000 must be paid through DD / Debit card / Credit card / NEFT / RTGS etc., and not in cash.
• Members cannot use multiple Jewellery plan accounts to purchase a single Jewellery, if the monthly advance exceeds Rs.2,00,000 in cash.
• Members must surrender their passbook and one ID proof at the time of Jewellery purchase.
• At the time of joining, members must appoint a nominee.
• Members must bear GST and other Government levies at the time of purchase/delivery for all sales transactions.
• The scheme must be closed within 3 months from the date of the scheme closure; otherwise scheme benefits cannot be availed.
• Withdrawal from the scheme before completion is not possible. Defaulting members will be forfeited of scheme benefits.
• Possession of gold ornaments is possible only after 30 days from scheme completion.
• Bhima Jewellery management reserves all rights and final decisions regarding this scheme.
• This scheme falls under the jurisdiction of respective Bhima Jewellery showrooms in different regions.
• The scheme adheres to the rules and regulations prescribed by the Government from time to time.
• Gold ornaments as per this scheme can be owned only from the respective Bhima Jewellery showrooms at which the customer enrolled for the scheme.

Making Charges Benefits Before Tenure Completion

Based on Period of Scheme Completion

• Less than 180 days (6th Month)
  No benefit on making charges
  No benefit on gold weight
  
• 181 days to 210 days (7th Month)
  No making charges up to 11%
  For items above 11%, normal discount applies
  
• 211 days to 240 days (8th Month)
  No making charges up to 13%
  For items above 13%, normal discount applies
  
• 241 days to 270 days (9th Month)
  No making charges up to 15%
  For items above 15%, normal discount applies
  
• 271 days to 300 days (10th Month)
  No making charges up to 16%
  For items above 16%, normal discount applies
  
• 301 days to 360 days (11th Month)
  No making charges up to 18%
  For items above 18% MC, MC benefit = (Gross MC – 18%)
  
  (The above making charge benefits are applicable only if members pay all instalments regularly without default.)
  
  
  Making Charges Benefits in Case of Default
  
• A default occurs if the monthly instalment is not paid on or before the due date
  (grace period of 10 days allowed).
  
  
  After 1 Month Default
  
• MC benefits are reduced compared to regular payments.

• Maximum no making charge benefit ranges from 10% to 16%, depending on the scheme month.
  
  After 2 Months Default
  

• MC benefits are further reduced.
  
• Default exceeding 2 months:
  All making charge benefits will be cancelled.