grt gold offer Schemes

is a special scheme that has been exclusively created to help you planand buy the jewellery that you always wanted to buy. All you have to do is fill in a simple form and join GRT Golden Eleven Flexi Plan.

On enrolling,you can select anamount of your choice as monthly advance payment. There are various slabs starting from Rs.500 onwards. You will also get a passbook to keep track of your payments. All you have to do is pay eleven equal monthly advance payments. After making the advance payment for the last month, you can buy your favourite jewellery,except special items like Diamond, Platinum, Uncut Diamonds, Ruby, Emerald, Ethnic and Vintage jewellery, Pooja items, Silver art cles & Silver jewellery without wastage I Value Addition fYA) charges. The customer can opt for either the value based or the gold weight based option.The customeris entitled to buy the jewellery on the 12th month and "if the member does not purchase jewellery within the 12th month from the date of enrolment",the company may opt to refund the total advance amount paid without any benefit and the same will be sent directly to the member's registered address by cheque or through bank transfer.

Frequently Asked Questions

• How do I pay monthly advance payment?

Advance payments should reach GRT before the 10th of every month. Payments can be made by cash/DD/Local cheques/Post Dated cheques(PDC) At-par cheques/Electronic Clearing Service(ECS) and online (www.grtjewels.com). Outstation cheques will not be accepted. You can give post dated cheques for the entire period for your convenience.

• What if I don't pay continously?

The advance payment cannot be extended beyond the 11 months period. The plan will be discontinued as per terms mentioned above in the event of any default in the monthly advance payments. Hence it is required that a member pays the advance payments continuously without fail. In the event of the member not making any one advance payment during the tenure, the plan will be discontinued automatically from that month, and will not be entitled for No Wastage (VA) as per terms mentioned above.

• What if I discontinue?

Members who choose to discontinue within 7 months of enrolment will not be eligible for No Wastage (VA) on purchase. However if the member discontinues during 8th 9th & 10th month of enrolment, the member will be entitled to discount equal to 60% of Wastage (VA) value on the accumulated advance amount only.

• Will there be VAT?

Yes. VAT and any other Government levies will be borne by member at the time of redemption.

• In what other wayscan Golden Eleven help me?

As mentioned earlier, the GRT Golden Eleven gets you more jewellery than you could have expected. The GRT Golden Eleven helps you plan in advance to buy jewellery for weddings and other auspicious occasions .

• Will wastage(VA) be charge on special items?

Yes Wastage (VA) will be charged on special items, like Diamond, Platinum, Uncut diamonds, Ethnic and Vintage Jewellery, Oddiyanam / Vanki, Pooja items and other special items not included in this list.

• What if the member does not purchase jewellery at the end of 12th month?

If the member does not purchase jewellery at the end of 12th month from the date of enrollment the totaladvance amount paid by the member during the scheme will be refunded without any benefit directly by the company through a cheque or through bank transfer. The same will be delivered to the address provided in the membership form at the time of enrolling.

• Will there be GST?

Yes,GST (currently at 3%) and any other Government levies will be borne by member at the time of delivery.

• In what other ways can GRT Golden Eleven Flexi Plan help me?

As mentioned earler,the GRTGolden Eleven Flexi Plan helps you get morejewellery than you could have expected. The GRT Golden Eleven Flexi Plan helps you plan in advance to buy jewellery for weddings and other auspicious occasions.

• Will cash be refunded?

Cash will not be refunded under any circumstance,as per Government regulat ons.

• How do Iknow the Wt. of Gold accumulated?

This will be updated in the pass book on a monthly basis at the time of making the advance payment.

•Can the member buy Gold Coins?

Yes, the member can purchase gold coins without Wastage (YA) and making charges.

• Can the member purchase watches In this plan?

The member will not be eligible to purchase watches.

• Is the monthly advance amount fixed or variable?

The Monthly advance payment amount Is fixed.