My Navrathan My Choice

Embark on your pathway to preciousness!

Enroll now in our exclusive Jewellery Purchase Plans and avail “exciting & assured” benefits.

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SWARNA PLAN

11-months fixed ,jewellery purchase plan with a minimum payment of β‚Ή5,000 (Rupees Five Thousand) or above in multiples of β‚Ή1,000, over a duration of 11 months.

Under this “SWARNA” plan, the weight of 22 Karat gold equivalent to the value of the installments will be credited to your “SWARNA” account based on the amount paid each month, at the prevailing rate on the day of payment received by Navrathan Jewellers. Upon successful completion of the 11 installments, members can redeem their plan and avail a flat 50% discount on value addition/making charges for their total accumulated gold.

SHRESTH PLAN

11-months fixed, jewellery purchase plan with a minimum payment of β‚Ή2,500 (Rupees two Thousand five hundred) or above in multiples of β‚Ή500, over a duration of 11 months.

Upon successful completion of the 11 installments, the members can purchase β€œDiamond Jewellery” at the completion of the 11th month (30 days after the payment of the 11th month) and avail the benefit equivalent to two months of advance payment/discount. Or, the member can purchase 22 Karat BIS Hallmarked β€œGold Jewellery” and avail the benefit of one month’s advance payment/discount. Or member can also purchase β€œSilver Jewellery/Articles” and avail the benefit of 50% of one month’s advance amount.

SAMPURNA PLUS

11-months fixed, jewellery purchase plan with a minimum payment of β‚Ή25,000 (Rupees Twenty-Five Thousand) or above in multiples of β‚Ή5,000, over a duration of 11 months.

Upon successful completion of the 11 installments, members can redeem their total monthly payment in the form of gold, based on the prevailing gold rate on the day of billing. Members can purchase BIS Hallmarked 22 Karat Gold jewellery with the benefit of zero charges on Value addition /making charge up to 24%.

At Navrathan, we believe you deserve the best, which is why we offer exquisite pieces valued for their purity and design, making it easier for you to invest in timeless treasures that appreciate over time..

Saving Scheme FAQ

  • What should I do if I lose my passbook?
    In the event of loss, you can request a duplicate passbook by providing an indemnity letter, identity proof, and all receipts issued to you.
  • What happens if I miss more than 3 monthly installments?
    If you miss more than 3 monthly installments, Navrathan reserves the right to close your membership plan without prior notice. Any amount paid will be adjusted against product purchases, with no refunds.
  • How can I ensure that WhatsApp or email communication from Navrathan is legitimate?
    Navrathan only communicates through the official WhatsApp number +919035454686 and the email address savingscheme@navrathan.com for jewellery purchase plans. Be cautious of any scams or fraud from other contacts.
  • Is the Aira Choice Jewellery Purchase Plan available for all types of jewelry?
    No, the Aira Choice Jewellery Purchase Plan is exclusively for Aira silver jewelry only.
  • Can Navrathan change the terms and conditions of the scheme?
    Yes, Navrathan reserves the right to alter, amend, or discontinue the scheme without any prior notice.
  • How long do I have to redeem my plan after the maturity date?
    You must redeem your plan within 13 months after the maturity date. If you don’t make a purchase within this period, your advance amount will be refunded (after deductions for payment gateway charges, GST, and redeemed offers).
  • Can I redeem my plan for any jewelry or only specific products?
    Redemption is limited to a single specified product, and exchange claims must be within the same category.
  • Can I apply both the regular discount and the plan discount?
    No, you must choose either the regular discount or the plan discount; both cannot be applied together.
  • How will my redemption be verified?
    At the time of redemption, your signature or OTP from the registered mobile number will be verified.
  • What happens if I want to switch to a different plan?
    If you switch plans, the new plan will start from the switch date. The original plan’s join date will not be considered.
  • What should I do if I want to discontinue my membership?
    You can request to apply the amount to a new purchase. In case of a refund, deductions will be made for redeemed offers, GST, and payment gateway charges.
  • Can I receive a discount if I pre-close my plan?
    No discounts will be given if you close your plan early, and products can only be purchased for the amount you have already paid.
  • How long do I have to redeem the plan after it matures?
    You are advised to redeem the plan within 15 days after the maturity date.
  • What payment methods are accepted for monthly installments?
    You can pay by cash, crossed cheques, debit/net banking, or post-dated cheques. Outstation cheques are not accepted.
  • Are there any charges for international payments?
    Yes, payments made using international debit or credit cards (such as AMEX) will incur an additional 2.5% charge.
  • Do I need to pay for stone charges?
    Yes, stone charges are 100% applicable for all jewelry purchases under any plan.
  • How can I pay my monthly installments?
    You can pay online using IMPS, NEFT, RTGS, NACH, or the Navrathan Jewellers app or website with your registered mobile number and password.
  • What documents do I need to submit when enrolling in the plan?
    You must submit a fully filled enrollment form and provide a valid photo ID such as a Driver’s License, Passport, Ration Card, Election Card, or PAN Card for authentication.
  • Do I need to submit a PAN card for large payments?
    Yes, if your total monthly installment is β‚Ή2 Lakhs or more, you must submit a copy of your PAN card. Cash payments are not allowed for amounts exceeding β‚Ή2 Lakhs.
  • How can I get a receipt for my payment?
    You can request a receipt for your payment at any of the Navrathan showrooms or through online platforms.
  • Can I use my membership amount to purchase products other than jewelry?
    No, the membership amount can only be used for jewelry purchases.
  • How will I be reminded of upcoming payments?
    You will receive a reminder via SMS or WhatsApp on your enrollment day and a final reminder at the end of the month.
  • Can I apply the amount in my plan to purchase jewelry that exceeds my plan amount?
    You must purchase jewelry that is equivalent to or greater than your accumulated plan amount. Any excess will require you to pay for the value addition or making charges.
  • What happens if I miss an installment payment?
    If you miss an installment payment, the maturity date will be automatically extended based on the overdue days.
  • Can I redeem my plan if I don’t pay all the installments?
    You can only redeem the full benefits of your plan after completing all required installments.
  • What are the service charges for dishonored cheques?
    Service charges will be applied for all dishonored cheques as applicable.
  • What happens if there are changes in laws or regulations affecting my plan?
    In case of any changes in laws or regulations, you must comply with the updated requirements as per the regulations at the time.
  • What happens if I don’t read or understand the terms and conditions before enrolling?
    It is important to read, understand, and agree to the terms and conditions before enrolling in the plan. The enrollment form must be fully filled and signed.
  • How do I make payments through the app or website?
    You can easily make your monthly membership payments through the Navrathan Jewellers mobile app or website by using your registered mobile number and password.

TERMS & CONDITIONS FOR MY NAVRATHAN MY CHOICE

1. Members should enrol in the plan after carefully reading, understanding, and agreeing to its terms and conditions and submitting the fully filled and signed enrolment application.

2. The 1st installment shall be paid along with a completely filled application form. Customers shall provide a copy of valid photo identity proof such as Driver’s Licence, Passport, Ration Card, Election Card, or PAN Card for authentication at the time of enrolment and redemption.

3. If the applicant is a minor (below 18 years), furnishing guardian/parent details becomes mandatory. Upon maturity, only the guardian/parent will be authorized to redeem.

4. Once a member enrols, the 1st enrolment amount will remain fixed for the duration of the 11-month plan and will not change under any circumstances.

5. Members can avail the full benefits of their plan only upon the successful completion of 11 instalments, in accordance with the plan’s terms and conditions.

6. No cash refund will be made under any circumstances.

7. Members must make a purchase that is equivalent to or greater than their accumulated weight/amount. If a member buys jewellery that exceeds this amount or weight, any applicable value addition (VA) or making charges for the excess will be borne by the member.

8. Monthly advances shall be paid on their enrolment day every month; failing which, it will be credited for the subsequent month.

9. Customers should carry their enrolment form/passbook to the showroom every time they pay their advance and get the same updated. Customers should also request the receipt for the same.

10. If the aggregate of the monthly advance amount is equivalent to β‚Ή2 Lakhs or more, submission of PAN CARD copy will be mandatory. Cash cannot be accepted if the aggregate monthly advance exceeds β‚Ή2 Lakhs.

11. Members will receive a monthly instalment reminder via SMS or WhatsApp on the enrolment day, along with a final reminder at the end of the month. If a payment is missed, the maturity date will be automatically extended based on the overdue days.

12. Customers can easily view and make their monthly membership payments on the Navrathan Jewellers mobile app or website using their registered mobile number and password. Receipts for payments are available upon request at any of our showrooms. For online payments made through IMPS, NEFT, RTGS, NACH, or the Navrathan Jewellers app or website, please quote your membership ID and notify us via email or WhatsApp with your payment reference or screenshot.

13. In case of any changes in existing laws, rules, acts, etc., by any regulatory authority, necessary requirements as per the same must be complied with by the customers.

14. Subsequent instalments can be paid in CASH / CROSSED CHEQUES / DEBIT/NET BANKING in favour of Navrathan Jewellers Pvt Ltd.

15. Post-dated cheques shall be accepted. Outstation cheques will not be accepted. Service charges (as applicable) may be levied on all dishonoured cheques.

16. If the customer wishes to pay using an international debit or credit card (AMEX or others), an additional charge of 2.5% will be applicable.

17. Rate/Value addition/Wastage/Making charges and tax surcharges will be levied as applicable at the time of sale.

18. The company will charge 100% on all stone charges for any jewellery purchased under any plan.

19. GST & any other government levies at the time of purchase for all sales transactions will be borne by the customer.

20. Members can redeem their plan and purchase jewellery after the maturity date. However, if no purchase is made within 13 months (one month after the maturity date), their advance amount will be refunded to the provided bank account, with deductions for payment gateway charges, GST, and offers redeemed during enrolment Navrathan All Rights Reserved.

21. Redemption for the chosen plan is limited to a single specified product, and any exchange claims must be for products within the same category.

22. On the purchase of jewellery, the discount will be in accordance with the terms and conditions of the plan. No extra, regular, or festival offer discounts will be provided. Customers must choose either the regular discount or the plan discount; both cannot be applied under any circumstances.

23. The customer signature or OTP from the registered mobile number will be verified at the time of redemption.

24. If the customer wishes to change or switch plans, the new plan will start from the switch date. The previous plan’s join date will not be considered under any circumstances.

25. Members who enrol in the plan and later wish to discontinue it can request that the amount be applied toward a new purchase. In case of a refund, the company will deduct the value of any redeemed offers, GST, and payment gateway charges.

26. No discounts will be allowed on pre-closure of the plan by the members, and they will be allowed to purchase products only for the amount they have paid.

27. The maturity date will be 30 days from the date of payment (in our account) of the last advance payment. Customers are advised to redeem the plan amount within 15 days of the maturity date.

28. Navrathan Jewellers reserves the right to issue a duplicate passbook in the event of the loss of the original passbook. Duplicate passbooks shall be issued only if the customer provides an indemnity letter/identity proof along with all the receipts issued to him/her.

29. If a customer fails to pay the monthly instalment for any plan for more than 3 months, Navrathan reserves the right to close the plan (membership) without prior notice. Any amount paid against the plan will be adjusted only against product purchases, with no refunds under any circumstances.

30. Navrathan Jewellers only uses the official WhatsApp number +919035454686 and email savingscheme@navrathan.com for direct contact regarding jewellery purchase plans, such as new enrolment, reminders, monthly due follow-ups, etc. The company is not responsible for any scams or fraud cases from other contacts.

31. Aira Choice Jewellery Purchase Plan is exclusively for Aira silver jewellery only.

32. Any conditions not specifically covered will be at the sole discretion of the Company at the time of the transaction. The decision of the Company in this regard would be deemed irrevocable and final.

33. In cases where a situation is not explicitly addressed in these Terms and Conditions, the company reserves the right to make a decision at its discretion.

34. Navrathan Jewellers has the sole discretion to alter, amend, and modify the terms and/or to discontinue the Scheme, without issuing any prior intimation.

  • All disputes, if any shall be subject to Bengaluru Court’sΒ Jurisdiction only.

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