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EMI SCHEMES
CREDIT CARD EMI
Credit Card EMI is a convenient method of paying easy installments for your jewellery purchases.
| Product Value | 50,000 | 1,00,000 | 2,00,000 |
|---|---|---|---|
| EMI for 12 Months | 4,500 | 9,000 | 18,000 |
| EMI for 24 Months | 2,416 | 4,833 | 9,667 |
| Pay in shop 3.99% + one-time Card swiping fees(2.5%) | 3,250 | 6,500 | 13,000 |
- Interest rate starting from 11.99% (8% in EMI and 3.99% in shop)
- Available ONLY on Diamond Jewellery, Platinum & Silver Jewllery.
- Available on HDFC, AXIS, ICICI, Kotak, RBl, Standard Chartered, Cnetral Bank, American Express, HSBC, Indulsand Bank & Yes Bank Credit Cards.
- Down Payment: Not Required
- Product Values: Rs. 5,000 upto Credit limit
- EMI Tenure: 3 months,6 Months, 9 Months and 12 Months as per bank discretion
FLEXI CARDLESS EMI
This is an EMI facility without the requirement of Credit Card for our clients who do not carry a Credit Card.
| Product Value | 1,00,000 | 2,00,000 |
|---|---|---|
| EMI for 12 Months | 9,580 | 19,200 |
| EMI for 24 Months | 5,400 | 10,800 |
| Documentation fees Starting(2.5%)+ GST | 2500/- + GST(Deducted From Loan) | 5000/- + GST(Deducted From Loan) |
- Interest rate starting from 11.99% to 16% Per annum as per custom profile
- Down Payment: 10% of Productive Value
- Product Value: Rs. 50,000 to Rs.10 Lacs
- EMI Tenure: 1 year to 5 Years
Terms and Conditions for EMI
- CREDIT CARD EMI
- Credit Card Limit will be freezed on successful transaction
- If customer asks their bank to stop payments for the said purchase, than they will have to return the product.
- Only the Credit Card owner can avail the EMI.
- To avail Credit Card EMI, the card needs to be activated for EMI from the bank. Example: Silver, Platina, Neo, Diners club, Petro cards, My Zone, Buzz, Vistara, Privilege and etc are not EMI activated by banks hence they cannot be used for EMI Purpose.
- Required Documents: No
- Banks Might charde GST on the Interest Amount
- FLEXI CARDLESS EMI
- Post Approval on Flexi EMI:Customer as per his choice, has to bring the approved amount to shop and complete the purchaase of the selected item.
- Rejection:If for any reason, the Application is rejected by the bank then full advance/down payment will be refunded.
- Foreclosure is allowed as per approving bank policy. this is mentioned on the agreement.(usually charges is 2% on remaining principal amount)
- Given interest rates & Documentation Charges examples are only for understanding purposes, actual rates might vary based on customer profile.
- Minimum allowed age 21 Years & Maximum allowed age 52 years
- Please Note:Flexi cardless EMI is available ONLY for salaried customers having net monthly salary (in account) of Rs.30,000 or more.
- Required Documents:PAN Card, Adhaar Card, 6 months salary slip, 6 months upto date bank statement, current address proof & latest electricity bill.
- Please note banks might not accept applicable for below profiles:Pensioners, Lawyer, Police, LIC agents (commission), Stock broker and sub broker, Travel Agents, Beauty Parlour, Construction or Builder, Rental Income, Gold Smith, Agriculture Imitation Jewellery and Jewellers Employee of Proprietary and LLP firms.
- Approval is done by Lenders based on their policy & criteria. We only act as service provider.
