JCS Savings Scheme

1. Installment starts from Rs.5,000,Rs.10,000 & Installment up to Rs.10,00,000.
2. Up to 10% - 15% discount on wastage on Gold jewellery in 11 months scheme.
3. Scheme amount between 5,000 - 20,000 up to 10% discount on VA & Making Charges & 5,000 off per carat on Diamond jewellery in 11 months scheme.
4. Scheme amount between 25,000 - 50,000 up to 15% discount on VA & Making Charges & 7,000 off per carat on Diamond jewellery in 11 months scheme.
5. Scheme amount between 55,000 - Above up to 15% discount on VA & Making Charges & 9,000 off per carat on Diamond jewellery in 11 months scheme.
6. For silver Articles wastage is not applicable i.e. Zero 0% Wastage.                                                    

TERMS & CONDITIONS OF THE SAVINGS SCHEME

1. Customers who enroll in the online saving scheme will not receive a physical Smart-Card.
2. Redemption of this saving scheme can be done after 30 days of payment of last installment.
3. Monthly installment will be accepted at JCS showroom as well as through ECS or through our website (www.jcsjewellers.com).
4. Members are entitled to redeem their gold at JCS showrooms as gold (jewellery), diamond or platinum jewellery.
5. Prepayment of installments and advancement of the maturity date are not permitted.
6. Payment made after 10th of a month will be considered as delay in payment and will be adjusted as following month’s payment and hence the maturity date will be delayed by a month.
7. Only one entry per month.
8. Membership Smart Card must be produced at the time of payment to enable the entry of the payment in the card.
9. The chit amount can be paid by cash, at par cheques, demand drafts, online payments or ECS mode. Member’s name and membership number should be clearly written in all modes of payment.
10. The date of receipt of payment will be the date on which the gold rate will be applied.
11. Cheques /demand drafts should be drawn in favor of “Jewel Creations”.
12. For ECS details, please contact the counter.
13. In case the cheque is dishonored, the date of the realization will be considered for fixing the gold rate.
14. Delay in payments will automatically extend the maturity date by the number of months delayed.
15. Members are entitled to redeem the total weight of the gold credited to their account on maturity.
16. Members can use their registered login ID and password to make online payment.
17. The gold rate as announced by Madras Jewellers & Diamond Merchants Association for selling of 22Kt (916) will be the rate applied for calculating redemption value, for diamond jewellery and platinum jewellery.
18. Members are entitled to apply the rate of gold prevailing on the date of their purchase/ redemption.
19. Cash will not be refunded under any circumstances.
20. The stone charges, making charges and GST will be borne by members as applicable at the time of purchase / redemption.
21. JCS reserves rights to alter, amend, modify, add or delete any of the terms and conditions from time to time.
22. The right to enrollment will be at the discretion of the management.
23. The conduct of the scheme is subject to the terms and policies laid down by the Central and/or State Government from time to time.
24. All disputes are subject to the jurisdiction of the competent court in Chennai.

GOLDEN LEAF - GOLD SAVINGS SCHEME PLAN

1. A Pro-Customer savings Scheme that lets one acquire in terms of market rate per gram.
2. A well-spaced 11 months scheme that gives you copious time to plan for upcoming occasions
3. Golden Leaf is applicable in multiples of  INR 5,000.
4. Customers can purchase gold jewellery  equivalent to the weight accumulated at the end of Tenure Period (you are able to purchase on the 12th month)
5. Any other stone charges are applicable.
6. GST and other taxes will be borne by the customer.
7. If Pre-closure before the maturity date or Tenure period , No benefits of the scheme will be applicable for the jewellery purchase for the customer.
8. Cash will not be refunded under any circumstances
9. Clubbing of schemes is not applicable with other schemes.
10. Payment of the scheme can be done through NEFT/Credit Card/ Debit Card/ UPI payment method.
11. The Management decisions are final in all matters of the scheme and the rules and regulations are subject to change without any prior notice.
12. All disputes are subject to Chennai Jurisdiction.

HEERA - DIAMOND SAVINGS SCHEME PLAN

1. A well spaced 11 month scheme that gives you copious time to plan for upcoming occasions.
2. Every Month Amount only be added to your account and Grams/ Weight wont be applicable for thgis Heera Scheme.
3. HEERA is available in multiples of INR 5,000.
4. Wastage and Making Charges will be applicable.
5. Customers can purchase Diamond jewellery equivalent to the Amount accumulated at the end of Tenure Period (you are able to purchase on the 12th month)
6. Any other stone charges are applicable.
7. GST and other taxes will be borne by the customer.
8. If Pre-closure before the maturity date or Tenure period , No benefits of the scheme will be applicable for the jewellery purchase for the customer.
9. Cash will not be refunded under any circumstances
10. Clubbing of schemes is not applicable with other schemes.
11. Payment of the scheme can be done through NEFT/Credit Card/ Debit Card/ UPI payment method.
12. The Management decisions are final in all matters of the scheme and the rules and regulations are subject to change without any prior notice.
13. All disputes are subject to Chennai Jurisdiction.