1.     Advances can be initiated from a minimum of Rs. 1000 up to Rs. 30,000 (1000, 2000, 3000, 4000, 5000, 10000, 15000, 20000, 25000 & 30000) on a monthly basis.

2.     Payments can be made by Cash/ Credit / Debit Cards/ UPI/ Online Payments/ Post-Dated Cheques/ Local Cheques/ at par cheques/ Demand Drafts favouring J. Mittalal Thanga Maligai payable at Chennai. Outstation cheques and postal orders are not accepted. All related bank charges and service charges are to be borne by the members themselves.

3.     In the event of a cheque being dishonoured by the bank, the member loses eligibility to pay through cheque for all further advances. All remaining advance cheques will be returned to the member.

4.     The advance paid towards the plan is non-refundable in the form of cash under any circumstances; if customers opt for pre-closure, the accumulated advance will be refunded through cheque or bank transfer without any benefits.

5.     Customers are responsible for bearing additional wastage (VA) of above 18%  (if applicable), GST (currently @ 3%), and any other applicable charges levied by the government at the time of purchase.

6.     Accurate and valid personal information, including PAN card details and nominee particulars for KYC compliance, is required during registration.

7.     Nominee details, including valid government-issued identification, are mandatory.

8.     If you opt out of the plan before the payment of sixth instalment, the value of the enrolment benefit received will be deducted from the paid up amount and only the balance amount will be refunded through bank transfer.

9.     The plan is non-transferable, and the benefits accrued are solely for the registered individual.

10.  The Golden Pot Jewellery Purchase Plan cannot be combined or clubbed with any ongoing offers, schemes, or promotions.

11.  Early purchase disqualifies users from receiving any benefits.

12.  The tenure cannot be extended beyond 11 months from the date of commencement under any circumstances.

13.  The accumulated gold (Accumulated Gold Plan) is calculated in terms of 22k (916) pure gold.

14.  The rate of accumulated gold is as per the website and showroom 22k (916) rates on the booking day.

15.  Customers are restricted to purchasing only readily available items in the showroom under this plan.

16.  Partial sales of accumulated gold are not permitted; customers must purchase jewellery for the entire plan value.

17.  When the member purchases jewellery exceeding the accumulated gold weight, the Value Addition (VA) as applicable will be borne by the member for the excess weight at the time of delivery.

18.  Failure to make a purchase within 345 days will result in the cancellation of the plan, and the accumulated advance will be refunded through cheque or bank transfer.

19.  Purchase under the plan can only be facilitated by the registered individual or nominee, along with presenting original government ID proof details for verification.

20.  If a nominee or representative is involved in transactions, a letter, along with valid ID proof, must be provided. The registered mobile number must be active for OTP verification.

21.  OTP verification is mandatory for all transactions under the Golden Pot Jewellery Purchase Plan.

22.  OTP verification will be conducted at the time of delivery to ensure secure transactions.

23.  J. Mittalal Thanga Maligai (JMT) reserves the right to modify the terms and conditions without prior notice, including aspects related to payment methods, location specifics, or compliance regulations.

24.  JMT shall not be held liable for any discrepancies arising from inaccurate participant or nominee information.

25.  JMT reserves the right to disqualify any participant found violating the terms and conditions or engaging in fraudulent activities.

26.  JMT reserves the right to verify and authenticate participant information, including PAN card details, nominee particulars, and transactional details.

27.  Customers agree to the terms and conditions set by the payment gateway and financial institution for online payments made through jmtgold.com.

28.  Any disputes or claims shall be settled under the legal framework of Chennai or the judiciary body of India.

29.  Customers affirm that they have read, understood, and agreed to comply with all the detailed terms and conditions specified herein.

Welcome to JMT’s Golden Pot Jewelry Saving Scheme, a meticulously crafted program tailored to assist you in gradually accumulating savings towards your cherished jewelry acquisitions. We recognize the profound significance jewelry holds in your life, whether as adornments for special occasions or as prudent investments. Our scheme is ingeniously structured to facilitate the accumulation of savings while presenting enticing discounts and benefits upon redemption for jewelry purchases.

In our Jewelry Saving Scheme, customers are empowered to make fixed monthly contributions, ranging from Rs. 1000 to Rs. 30,000. This fixed installment amount remains constant over the 11-month duration of the scheme, ensuring simplicity and steadfastness in your savings endeavor.

The monthly installment model operates in two distinct but complementary ways:

1.     Accumulated Weight: Each monthly installment is seamlessly converted into gold weight, determined by the prevailing 22k gold rate on the date of payment. This ensures that your contributions directly correlate with the value of gold, offering a transparent and tangible savings mechanism.

2.     Accumulated Value: Simultaneously, your monthly installment is also preserved in its monetary form. This dual approach provides flexibility and diversity in your savings portfolio, catering to varying preferences and objectives.

Redemption options:

1.     Using Accumulated Weight: Opting for this route enables customers to avail themselves of a substantial 50% discount on the wastage/ value addition (VA) associated with gold jewelry (upto 18%). This option harmoniously merges the tangible weight of gold with attractive discounts, offering an economically prudent approach to fulfilling your jewelry aspirations.

2.     Using Accumulated Value: Alternatively, customers may elect to redeem their savings entirely in its monetary value. By doing so, customers enjoy a generous 100% discount on the wastage/ value addition (VA) associated with gold jewelry purchases (upto 18%). This option provides unparalleled flexibility, allowing customers to leverage their savings in a manner that best aligns with their preferences and requirements.

Our Jewelry Saving Scheme gives you more than just savings. We want to make your jewelry shopping experience extra special with these added perks:

1.     For Gemstone Studded Gold Jewelry: If you choose this option, you get a big discount of 50% on the wastage/ value addition (VA) for gold jewelry (up to 18%). Plus, you get an extra 5% off on the value of gemstones. This means you get great value for your money and top-notch craftsmanship for your gemstone-studded gold jewelry.

2.     For Diamond Jewelry: If you pick diamond jewelry, you get a nice 15% discount on the diamond's value, up to the amount you've saved. This discount shows our commitment to giving you luxurious diamond jewelry that's affordable without compromising on quality.

3.     For Platinum Jewelry: If you love platinum, you're in luck! You'll get a lovely 15% discount on the value of platinum jewelry, up to the amount you've saved. This shows how serious we are about offering you high-quality jewelry made from the best materials.

4.     For Silver Jewelry: As a thank-you for choosing us, if you go for silver jewelry, you'll get a bonus equal to one month's installment amount. This makes your savings go further, letting you pick out beautiful silver pieces that match your style.

5.     For Silver Articles or Piece Rate Jewelry: If you're interested in silver articles or piece rate jewelry, we have some great deals for you too. You'll get a bonus equal to one month's installment amount, adding extra value to your savings. Plus, you'll enjoy an extra 5% discount on the maximum retail price (MRP), up to the amount you've saved. This shows how much we want to give you great value for your silver jewelry purchases.

1.     Advances can be initiated from a minimum of Rs. 1000 up to Rs. 30,000 (1000, 2000, 3000, 4000, 5000, 10000, 15000, 20000, 25000 & 30000) on a monthly basis.

2.     Payments can be made by Cash/ Credit / Debit Cards/ UPI/ Online Payments/ Post-Dated Cheques/ Local Cheques/ at par cheques/ Demand Drafts favouring J. Mittalal Thanga Maligai payable at Chennai. Outstation cheques and postal orders are not accepted. All related bank charges and service charges are to be borne by the members themselves.

3.     In the event of a cheque being dishonoured by the bank, the member loses eligibility to pay through cheque for all further advances. All remaining advance cheques will be returned to the member.

4.     The advance paid towards the plan is non-refundable in the form of cash under any circumstances; if customers opt for pre-closure, the accumulated advance will be refunded through cheque or bank transfer without any benefits.

5.     Customers are responsible for bearing additional wastage (VA) of above 18%  (if applicable), GST (currently @ 3%), and any other applicable charges levied by the government at the time of purchase.

6.     Accurate and valid personal information, including PAN card details and nominee particulars for KYC compliance, is required during registration.

7.     Nominee details, including valid government-issued identification, are mandatory.

8.     If you opt out of the plan before the payment of sixth instalment, the value of the enrolment benefit received will be deducted from the paid up amount and only the balance amount will be refunded through bank transfer.

9.     The plan is non-transferable, and the benefits accrued are solely for the registered individual.

10.  The Golden Pot Jewellery Purchase Plan cannot be combined or clubbed with any ongoing offers, schemes, or promotions.

11.  Early purchase disqualifies users from receiving any benefits.

12.  The tenure cannot be extended beyond 11 months from the date of commencement under any circumstances.

13.  The accumulated gold (Accumulated Gold Plan) is calculated in terms of 22k (916) pure gold.

14.  The rate of accumulated gold is as per the website and showroom 22k (916) rates on the booking day.

15.  Customers are restricted to purchasing only readily available items in the showroom under this plan.

16.  Partial sales of accumulated gold are not permitted; customers must purchase jewellery for the entire plan value.

17.  When the member purchases jewellery exceeding the accumulated gold weight, the Value Addition (VA) as applicable will be borne by the member for the excess weight at the time of delivery.

18.  Failure to make a purchase within 345 days will result in the cancellation of the plan, and the accumulated advance will be refunded through cheque or bank transfer.

19.  Purchase under the plan can only be facilitated by the registered individual or nominee, along with presenting original government ID proof details for verification.

20.  If a nominee or representative is involved in transactions, a letter, along with valid ID proof, must be provided. The registered mobile number must be active for OTP verification.

21.  OTP verification is mandatory for all transactions under the Golden Pot Jewellery Purchase Plan.

22.  OTP verification will be conducted at the time of delivery to ensure secure transactions.

23.  J. Mittalal Thanga Maligai (JMT) reserves the right to modify the terms and conditions without prior notice, including aspects related to payment methods, location specifics, or compliance regulations.

24.  JMT shall not be held liable for any discrepancies arising from inaccurate participant or nominee information.

25.  JMT reserves the right to disqualify any participant found violating the terms and conditions or engaging in fraudulent activities.

26.  JMT reserves the right to verify and authenticate participant information, including PAN card details, nominee particulars, and transactional details.

27.  Customers agree to the terms and conditions set by the payment gateway and financial institution for online payments made through jmtgold.com.

28.  Any disputes or claims shall be settled under the legal framework of Chennai or the judiciary body of India.

29.  Customers affirm that they have read, understood, and agreed to comply with all the detailed terms and conditions specified herein.

Welcome to JMT’s Golden Pot Jewelry Saving Scheme, a meticulously crafted program tailored to assist you in gradually accumulating savings towards your cherished jewelry acquisitions. We recognize the profound significance jewelry holds in your life, whether as adornments for special occasions or as prudent investments. Our scheme is ingeniously structured to facilitate the accumulation of savings while presenting enticing discounts and benefits upon redemption for jewelry purchases.

In our Jewelry Saving Scheme, customers are empowered to make fixed monthly contributions, ranging from Rs. 1000 to Rs. 30,000. This fixed installment amount remains constant over the 11-month duration of the scheme, ensuring simplicity and steadfastness in your savings endeavor.

The monthly installment model operates in two distinct but complementary ways:

1.     Accumulated Weight: Each monthly installment is seamlessly converted into gold weight, determined by the prevailing 22k gold rate on the date of payment. This ensures that your contributions directly correlate with the value of gold, offering a transparent and tangible savings mechanism.

2.     Accumulated Value: Simultaneously, your monthly installment is also preserved in its monetary form. This dual approach provides flexibility and diversity in your savings portfolio, catering to varying preferences and objectives.

Redemption options:

1.     Using Accumulated Weight: Opting for this route enables customers to avail themselves of a substantial 50% discount on the wastage/ value addition (VA) associated with gold jewelry (upto 18%). This option harmoniously merges the tangible weight of gold with attractive discounts, offering an economically prudent approach to fulfilling your jewelry aspirations.

2.     Using Accumulated Value: Alternatively, customers may elect to redeem their savings entirely in its monetary value. By doing so, customers enjoy a generous 100% discount on the wastage/ value addition (VA) associated with gold jewelry purchases (upto 18%). This option provides unparalleled flexibility, allowing customers to leverage their savings in a manner that best aligns with their preferences and requirements.

Our Jewelry Saving Scheme gives you more than just savings. We want to make your jewelry shopping experience extra special with these added perks:

1.     For Gemstone Studded Gold Jewelry: If you choose this option, you get a big discount of 50% on the wastage/ value addition (VA) for gold jewelry (up to 18%). Plus, you get an extra 5% off on the value of gemstones. This means you get great value for your money and top-notch craftsmanship for your gemstone-studded gold jewelry.

2.     For Diamond Jewelry: If you pick diamond jewelry, you get a nice 15% discount on the diamond's value, up to the amount you've saved. This discount shows our commitment to giving you luxurious diamond jewelry that's affordable without compromising on quality.

3.     For Platinum Jewelry: If you love platinum, you're in luck! You'll get a lovely 15% discount on the value of platinum jewelry, up to the amount you've saved. This shows how serious we are about offering you high-quality jewelry made from the best materials.

4.     For Silver Jewelry: As a thank-you for choosing us, if you go for silver jewelry, you'll get a bonus equal to one month's installment amount. This makes your savings go further, letting you pick out beautiful silver pieces that match your style.

5.     For Silver Articles or Piece Rate Jewelry: If you're interested in silver articles or piece rate jewelry, we have some great deals for you too. You'll get a bonus equal to one month's installment amount, adding extra value to your savings. Plus, you'll enjoy an extra 5% discount on the maximum retail price (MRP), up to the amount you've saved. This shows how much we want to give you great value for your silver jewelry purchases.

1.     Advances can be initiated from a minimum of Rs. 1000 up to Rs. 30,000 (1000, 2000, 3000, 4000, 5000, 10000, 15000, 20000, 25000 & 30000) on a monthly basis.

2.     Payments can be made by Cash/ Credit / Debit Cards/ UPI/ Online Payments/ Post-Dated Cheques/ Local Cheques/ at par cheques/ Demand Drafts favouring J. Mittalal Thanga Maligai payable at Chennai. Outstation cheques and postal orders are not accepted. All related bank charges and service charges are to be borne by the members themselves.

3.     In the event of a cheque being dishonoured by the bank, the member loses eligibility to pay through cheque for all further advances. All remaining advance cheques will be returned to the member.

4.     The advance paid towards the plan is non-refundable in the form of cash under any circumstances; if customers opt for pre-closure, the accumulated advance will be refunded through cheque or bank transfer without any benefits.

5.     Customers are responsible for bearing additional wastage (VA) of above 18%  (if applicable), GST (currently @ 3%), and any other applicable charges levied by the government at the time of purchase.

6.     Accurate and valid personal information, including PAN card details and nominee particulars for KYC compliance, is required during registration.

7.     Nominee details, including valid government-issued identification, are mandatory.

8.     If you opt out of the plan before the payment of sixth instalment, the value of the enrolment benefit received will be deducted from the paid up amount and only the balance amount will be refunded through bank transfer.

9.     The plan is non-transferable, and the benefits accrued are solely for the registered individual.

10.  The Golden Pot Jewellery Purchase Plan cannot be combined or clubbed with any ongoing offers, schemes, or promotions.

11.  Early purchase disqualifies users from receiving any benefits.

12.  The tenure cannot be extended beyond 11 months from the date of commencement under any circumstances.

13.  The accumulated gold (Accumulated Gold Plan) is calculated in terms of 22k (916) pure gold.

14.  The rate of accumulated gold is as per the website and showroom 22k (916) rates on the booking day.

15.  Customers are restricted to purchasing only readily available items in the showroom under this plan.

16.  Partial sales of accumulated gold are not permitted; customers must purchase jewellery for the entire plan value.

17.  When the member purchases jewellery exceeding the accumulated gold weight, the Value Addition (VA) as applicable will be borne by the member for the excess weight at the time of delivery.

18.  Failure to make a purchase within 345 days will result in the cancellation of the plan, and the accumulated advance will be refunded through cheque or bank transfer.

19.  Purchase under the plan can only be facilitated by the registered individual or nominee, along with presenting original government ID proof details for verification.

20.  If a nominee or representative is involved in transactions, a letter, along with valid ID proof, must be provided. The registered mobile number must be active for OTP verification.

21.  OTP verification is mandatory for all transactions under the Golden Pot Jewellery Purchase Plan.

22.  OTP verification will be conducted at the time of delivery to ensure secure transactions.

23.  J. Mittalal Thanga Maligai (JMT) reserves the right to modify the terms and conditions without prior notice, including aspects related to payment methods, location specifics, or compliance regulations.

24.  JMT shall not be held liable for any discrepancies arising from inaccurate participant or nominee information.

25.  JMT reserves the right to disqualify any participant found violating the terms and conditions or engaging in fraudulent activities.

26.  JMT reserves the right to verify and authenticate participant information, including PAN card details, nominee particulars, and transactional details.

27.  Customers agree to the terms and conditions set by the payment gateway and financial institution for online payments made through jmtgold.com.

28.  Any disputes or claims shall be settled under the legal framework of Chennai or the judiciary body of India.

29.  Customers affirm that they have read, understood, and agreed to comply with all the detailed terms and conditions specified herein.

Welcome to JMT’s Golden Pot Jewelry Saving Scheme, a meticulously crafted program tailored to assist you in gradually accumulating savings towards your cherished jewelry acquisitions. We recognize the profound significance jewelry holds in your life, whether as adornments for special occasions or as prudent investments. Our scheme is ingeniously structured to facilitate the accumulation of savings while presenting enticing discounts and benefits upon redemption for jewelry purchases.

In our Jewelry Saving Scheme, customers are empowered to make fixed monthly contributions, ranging from Rs. 1000 to Rs. 30,000. This fixed installment amount remains constant over the 11-month duration of the scheme, ensuring simplicity and steadfastness in your savings endeavor.

The monthly installment model operates in two distinct but complementary ways:

1.     Accumulated Weight: Each monthly installment is seamlessly converted into gold weight, determined by the prevailing 22k gold rate on the date of payment. This ensures that your contributions directly correlate with the value of gold, offering a transparent and tangible savings mechanism.

2.     Accumulated Value: Simultaneously, your monthly installment is also preserved in its monetary form. This dual approach provides flexibility and diversity in your savings portfolio, catering to varying preferences and objectives.

Redemption options:

1.     Using Accumulated Weight: Opting for this route enables customers to avail themselves of a substantial 50% discount on the wastage/ value addition (VA) associated with gold jewelry (upto 18%). This option harmoniously merges the tangible weight of gold with attractive discounts, offering an economically prudent approach to fulfilling your jewelry aspirations.

2.     Using Accumulated Value: Alternatively, customers may elect to redeem their savings entirely in its monetary value. By doing so, customers enjoy a generous 100% discount on the wastage/ value addition (VA) associated with gold jewelry purchases (upto 18%). This option provides unparalleled flexibility, allowing customers to leverage their savings in a manner that best aligns with their preferences and requirements.

Our Jewelry Saving Scheme gives you more than just savings. We want to make your jewelry shopping experience extra special with these added perks:

1.     For Gemstone Studded Gold Jewelry: If you choose this option, you get a big discount of 50% on the wastage/ value addition (VA) for gold jewelry (up to 18%). Plus, you get an extra 5% off on the value of gemstones. This means you get great value for your money and top-notch craftsmanship for your gemstone-studded gold jewelry.

2.     For Diamond Jewelry: If you pick diamond jewelry, you get a nice 15% discount on the diamond's value, up to the amount you've saved. This discount shows our commitment to giving you luxurious diamond jewelry that's affordable without compromising on quality.

3.     For Platinum Jewelry: If you love platinum, you're in luck! You'll get a lovely 15% discount on the value of platinum jewelry, up to the amount you've saved. This shows how serious we are about offering you high-quality jewelry made from the best materials.

4.     For Silver Jewelry: As a thank-you for choosing us, if you go for silver jewelry, you'll get a bonus equal to one month's installment amount. This makes your savings go further, letting you pick out beautiful silver pieces that match your style.

5.     For Silver Articles or Piece Rate Jewelry: If you're interested in silver articles or piece rate jewelry, we have some great deals for you too. You'll get a bonus equal to one month's installment amount, adding extra value to your savings. Plus, you'll enjoy an extra 5% discount on the maximum retail price (MRP), up to the amount you've saved. This shows how much we want to give you great value for your silver jewelry purchases.

1.     Advances can be initiated from a minimum of Rs. 1000 up to Rs. 30,000 (1000, 2000, 3000, 4000, 5000, 10000, 15000, 20000, 25000 & 30000) on a monthly basis.

2.     Payments can be made by Cash/ Credit / Debit Cards/ UPI/ Online Payments/ Post-Dated Cheques/ Local Cheques/ at par cheques/ Demand Drafts favouring J. Mittalal Thanga Maligai payable at Chennai. Outstation cheques and postal orders are not accepted. All related bank charges and service charges are to be borne by the members themselves.

3.     In the event of a cheque being dishonoured by the bank, the member loses eligibility to pay through cheque for all further advances. All remaining advance cheques will be returned to the member.

4.     The advance paid towards the plan is non-refundable in the form of cash under any circumstances; if customers opt for pre-closure, the accumulated advance will be refunded through cheque or bank transfer without any benefits.

5.     Customers are responsible for bearing additional wastage (VA) of above 18%  (if applicable), GST (currently @ 3%), and any other applicable charges levied by the government at the time of purchase.

6.     Accurate and valid personal information, including PAN card details and nominee particulars for KYC compliance, is required during registration.

7.     Nominee details, including valid government-issued identification, are mandatory.

8.     If you opt out of the plan before the payment of sixth instalment, the value of the enrolment benefit received will be deducted from the paid up amount and only the balance amount will be refunded through bank transfer.

9.     The plan is non-transferable, and the benefits accrued are solely for the registered individual.

10.  The Golden Pot Jewellery Purchase Plan cannot be combined or clubbed with any ongoing offers, schemes, or promotions.

11.  Early purchase disqualifies users from receiving any benefits.

12.  The tenure cannot be extended beyond 11 months from the date of commencement under any circumstances.

13.  The accumulated gold (Accumulated Gold Plan) is calculated in terms of 22k (916) pure gold.

14.  The rate of accumulated gold is as per the website and showroom 22k (916) rates on the booking day.

15.  Customers are restricted to purchasing only readily available items in the showroom under this plan.

16.  Partial sales of accumulated gold are not permitted; customers must purchase jewellery for the entire plan value.

17.  When the member purchases jewellery exceeding the accumulated gold weight, the Value Addition (VA) as applicable will be borne by the member for the excess weight at the time of delivery.

18.  Failure to make a purchase within 345 days will result in the cancellation of the plan, and the accumulated advance will be refunded through cheque or bank transfer.

19.  Purchase under the plan can only be facilitated by the registered individual or nominee, along with presenting original government ID proof details for verification.

20.  If a nominee or representative is involved in transactions, a letter, along with valid ID proof, must be provided. The registered mobile number must be active for OTP verification.

21.  OTP verification is mandatory for all transactions under the Golden Pot Jewellery Purchase Plan.

22.  OTP verification will be conducted at the time of delivery to ensure secure transactions.

23.  J. Mittalal Thanga Maligai (JMT) reserves the right to modify the terms and conditions without prior notice, including aspects related to payment methods, location specifics, or compliance regulations.

24.  JMT shall not be held liable for any discrepancies arising from inaccurate participant or nominee information.

25.  JMT reserves the right to disqualify any participant found violating the terms and conditions or engaging in fraudulent activities.

26.  JMT reserves the right to verify and authenticate participant information, including PAN card details, nominee particulars, and transactional details.

27.  Customers agree to the terms and conditions set by the payment gateway and financial institution for online payments made through jmtgold.com.

28.  Any disputes or claims shall be settled under the legal framework of Chennai or the judiciary body of India.

29.  Customers affirm that they have read, understood, and agreed to comply with all the detailed terms and conditions specified herein.

Welcome to JMT’s Golden Pot Jewelry Saving Scheme, a meticulously crafted program tailored to assist you in gradually accumulating savings towards your cherished jewelry acquisitions. We recognize the profound significance jewelry holds in your life, whether as adornments for special occasions or as prudent investments. Our scheme is ingeniously structured to facilitate the accumulation of savings while presenting enticing discounts and benefits upon redemption for jewelry purchases.

In our Jewelry Saving Scheme, customers are empowered to make fixed monthly contributions, ranging from Rs. 1000 to Rs. 30,000. This fixed installment amount remains constant over the 11-month duration of the scheme, ensuring simplicity and steadfastness in your savings endeavor.

The monthly installment model operates in two distinct but complementary ways:

1.     Accumulated Weight: Each monthly installment is seamlessly converted into gold weight, determined by the prevailing 22k gold rate on the date of payment. This ensures that your contributions directly correlate with the value of gold, offering a transparent and tangible savings mechanism.

2.     Accumulated Value: Simultaneously, your monthly installment is also preserved in its monetary form. This dual approach provides flexibility and diversity in your savings portfolio, catering to varying preferences and objectives.

Redemption options:

1.     Using Accumulated Weight: Opting for this route enables customers to avail themselves of a substantial 50% discount on the wastage/ value addition (VA) associated with gold jewelry (upto 18%). This option harmoniously merges the tangible weight of gold with attractive discounts, offering an economically prudent approach to fulfilling your jewelry aspirations.

2.     Using Accumulated Value: Alternatively, customers may elect to redeem their savings entirely in its monetary value. By doing so, customers enjoy a generous 100% discount on the wastage/ value addition (VA) associated with gold jewelry purchases (upto 18%). This option provides unparalleled flexibility, allowing customers to leverage their savings in a manner that best aligns with their preferences and requirements.

Our Jewelry Saving Scheme gives you more than just savings. We want to make your jewelry shopping experience extra special with these added perks:

1.     For Gemstone Studded Gold Jewelry: If you choose this option, you get a big discount of 50% on the wastage/ value addition (VA) for gold jewelry (up to 18%). Plus, you get an extra 5% off on the value of gemstones. This means you get great value for your money and top-notch craftsmanship for your gemstone-studded gold jewelry.

2.     For Diamond Jewelry: If you pick diamond jewelry, you get a nice 15% discount on the diamond's value, up to the amount you've saved. This discount shows our commitment to giving you luxurious diamond jewelry that's affordable without compromising on quality.

3.     For Platinum Jewelry: If you love platinum, you're in luck! You'll get a lovely 15% discount on the value of platinum jewelry, up to the amount you've saved. This shows how serious we are about offering you high-quality jewelry made from the best materials.

4.     For Silver Jewelry: As a thank-you for choosing us, if you go for silver jewelry, you'll get a bonus equal to one month's installment amount. This makes your savings go further, letting you pick out beautiful silver pieces that match your style.

5.     For Silver Articles or Piece Rate Jewelry: If you're interested in silver articles or piece rate jewelry, we have some great deals for you too. You'll get a bonus equal to one month's installment amount, adding extra value to your savings. Plus, you'll enjoy an extra 5% discount on the maximum retail price (MRP), up to the amount you've saved. This shows how much we want to give you great value for your silver jewelry purchases.

1.     Advances can be initiated from a minimum of Rs. 1000 up to Rs. 30,000 (1000, 2000, 3000, 4000, 5000, 10000, 15000, 20000, 25000 & 30000) on a monthly basis.

2.     Payments can be made by Cash/ Credit / Debit Cards/ UPI/ Online Payments/ Post-Dated Cheques/ Local Cheques/ at par cheques/ Demand Drafts favouring J. Mittalal Thanga Maligai payable at Chennai. Outstation cheques and postal orders are not accepted. All related bank charges and service charges are to be borne by the members themselves.

3.     In the event of a cheque being dishonoured by the bank, the member loses eligibility to pay through cheque for all further advances. All remaining advance cheques will be returned to the member.

4.     The advance paid towards the plan is non-refundable in the form of cash under any circumstances; if customers opt for pre-closure, the accumulated advance will be refunded through cheque or bank transfer without any benefits.

5.     Customers are responsible for bearing additional wastage (VA) of above 18% (if applicable), GST (currently @ 3%), and any other applicable charges levied by the government at the time of purchase.

6.     Accurate and valid personal information, including PAN card details and nominee particulars for KYC compliance, is required during registration.

7.     Nominee details, including valid government-issued identification, are mandatory.

8.     If you opt out of the plan before the payment of sixth instalment, the value of the enrolment benefit received will be deducted from the paid up amount and only the balance amount will be refunded through bank transfer.

9.     The plan is non-transferable, and the benefits accrued are solely for the registered individual.

10.  The Golden Pot Jewellery Purchase Plan cannot be combined or clubbed with any ongoing offers, schemes, or promotions.

11.  Early purchase disqualifies users from receiving any benefits.

12.  The tenure cannot be extended beyond 11 months from the date of commencement under any circumstances.

13.  The accumulated gold (Accumulated Gold Plan) is calculated in terms of 22k (916) pure gold.

14.  The rate of accumulated gold is as per the website and showroom 22k (916) rates on the booking day.

15.  Customers are restricted to purchasing only readily available items in the showroom under this plan.

16.  Partial sales of accumulated gold are not permitted; customers must purchase jewellery for the entire plan value.

17.  When the member purchases jewellery exceeding the accumulated gold weight, the Value Addition (VA) as applicable will be borne by the member for the excess weight at the time of delivery.

18.  Failure to make a purchase within 345 days will result in the cancellation of the plan, and the accumulated advance will be refunded through cheque or bank transfer.

19.  Purchase under the plan can only be facilitated by the registered individual or nominee, along with presenting original government ID proof details for verification.

20.  If a nominee or representative is involved in transactions, a letter, along with valid ID proof, must be provided. The registered mobile number must be active for OTP verification.

21.  OTP verification is mandatory for all transactions under the Golden Pot Jewellery Purchase Plan.

22.  OTP verification will be conducted at the time of delivery to ensure secure transactions.

23.  J. Mittalal Thanga Maligai (JMT) reserves the right to modify the terms and conditions without prior notice, including aspects related to payment methods, location specifics, or compliance regulations.

24.  JMT shall not be held liable for any discrepancies arising from inaccurate participant or nominee information.

25.  JMT reserves the right to disqualify any participant found violating the terms and conditions or engaging in fraudulent activities.

26.  JMT reserves the right to verify and authenticate participant information, including PAN card details, nominee particulars, and transactional details.

27.  Customers agree to the terms and conditions set by the payment gateway and financial institution for online payments made through jmtgold.com.

28.  Any disputes or claims shall be settled under the legal framework of Chennai or the judiciary body of India.

29.  Customers affirm that they have read, understood, and agreed to comply with all the detailed terms and conditions specified herein.

Welcome to JMT’s Golden Pot Jewelry Saving Scheme, a meticulously crafted program tailored to assist you in gradually accumulating savings towards your cherished jewelry acquisitions. We recognize the profound significance jewelry holds in your life, whether as adornments for special occasions or as prudent investments. Our scheme is ingeniously structured to facilitate the accumulation of savings while presenting enticing discounts and benefits upon redemption for jewelry purchases.

In our Jewelry Saving Scheme, customers are empowered to make fixed monthly contributions, ranging from Rs. 1000 to Rs. 30,000. This fixed installment amount remains constant over the 11-month duration of the scheme, ensuring simplicity and steadfastness in your savings endeavor.

The monthly installment model operates in two distinct but complementary ways:

1.     Accumulated Weight: Each monthly installment is seamlessly converted into gold weight, determined by the prevailing 22k gold rate on the date of payment. This ensures that your contributions directly correlate with the value of gold, offering a transparent and tangible savings mechanism.

2.     Accumulated Value: Simultaneously, your monthly installment is also preserved in its monetary form. This dual approach provides flexibility and diversity in your savings portfolio, catering to varying preferences and objectives.

Redemption options:

1.     Using Accumulated Weight: Opting for this route enables customers to avail themselves of a substantial 50% discount on the wastage/ value addition (VA) associated with gold jewelry (upto 18%). This option harmoniously merges the tangible weight of gold with attractive discounts, offering an economically prudent approach to fulfilling your jewelry aspirations.

2.     Using Accumulated Value: Alternatively, customers may elect to redeem their savings entirely in its monetary value. By doing so, customers enjoy a generous 100% discount on the wastage/ value addition (VA) associated with gold jewelry purchases (upto 18%). This option provides unparalleled flexibility, allowing customers to leverage their savings in a manner that best aligns with their preferences and requirements.

Our Jewelry Saving Scheme gives you more than just savings. We want to make your jewelry shopping experience extra special with these added perks:

1.     For Gemstone Studded Gold Jewelry: If you choose this option, you get a big discount of 50% on the wastage/ value addition (VA) for gold jewelry (up to 18%). Plus, you get an extra 5% off on the value of gemstones. This means you get great value for your money and top-notch craftsmanship for your gemstone-studded gold jewelry.

2.     For Diamond Jewelry: If you pick diamond jewelry, you get a nice 15% discount on the diamond's value, up to the amount you've saved. This discount shows our commitment to giving you luxurious diamond jewelry that's affordable without compromising on quality.

3.     For Platinum Jewelry: If you love platinum, you're in luck! You'll get a lovely 15% discount on the value of platinum jewelry, up to the amount you've saved. This shows how serious we are about offering you high-quality jewelry made from the best materials.

4.     For Silver Jewelry: As a thank-you for choosing us, if you go for silver jewelry, you'll get a bonus equal to one month's installment amount. This makes your savings go further, letting you pick out beautiful silver pieces that match your style.

5.     For Silver Articles or Piece Rate Jewelry: If you're interested in silver articles or piece rate jewelry, we have some great deals for you too. You'll get a bonus equal to one month's installment amount, adding extra value to your savings. Plus, you'll enjoy an extra 5% discount on the maximum retail price (MRP), up to the amount you've saved. This shows how much we want to give you great value for your silver jewelry purchases.

1.     Advances can be initiated from a minimum of Rs. 1000 up to Rs. 30,000 (1000, 2000, 3000, 4000, 5000, 10000, 15000, 20000, 25000 & 30000) on a monthly basis.

2.     Payments can be made by Cash/ Credit / Debit Cards/ UPI/ Online Payments/ Post-Dated Cheques/ Local Cheques/ at par cheques/ Demand Drafts favouring J. Mittalal Thanga Maligai payable at Chennai. Outstation cheques and postal orders are not accepted. All related bank charges and service charges are to be borne by the members themselves.

3.     In the event of a cheque being dishonoured by the bank, the member loses eligibility to pay through cheque for all further advances. All remaining advance cheques will be returned to the member.

4.     The advance paid towards the plan is non-refundable in the form of cash under any circumstances; if customers opt for pre-closure, the accumulated advance will be refunded through cheque or bank transfer without any benefits.

5.     Customers are responsible for bearing additional wastage (VA) of above 18%  (if applicable), GST (currently @ 3%), and any other applicable charges levied by the government at the time of purchase.

6.     Accurate and valid personal information, including PAN card details and nominee particulars for KYC compliance, is required during registration.

7.     Nominee details, including valid government-issued identification, are mandatory.

8.     If you opt out of the plan before the payment of sixth instalment, the value of the enrolment benefit received will be deducted from the paid up amount and only the balance amount will be refunded through bank transfer.

9.     The plan is non-transferable, and the benefits accrued are solely for the registered individual.

10.  The Golden Pot Jewellery Purchase Plan cannot be combined or clubbed with any ongoing offers, schemes, or promotions.

11.  Early purchase disqualifies users from receiving any benefits.

12.  The tenure cannot be extended beyond 11 months from the date of commencement under any circumstances.

13.  The accumulated gold (Accumulated Gold Plan) is calculated in terms of 22k (916) pure gold.

14.  The rate of accumulated gold is as per the website and showroom 22k (916) rates on the booking day.

15.  Customers are restricted to purchasing only readily available items in the showroom under this plan.

16.  Partial sales of accumulated gold are not permitted; customers must purchase jewellery for the entire plan value.

17.  When the member purchases jewellery exceeding the accumulated gold weight, the Value Addition (VA) as applicable will be borne by the member for the excess weight at the time of delivery.

18.  Failure to make a purchase within 345 days will result in the cancellation of the plan, and the accumulated advance will be refunded through cheque or bank transfer.

19.  Purchase under the plan can only be facilitated by the registered individual or nominee, along with presenting original government ID proof details for verification.

20.  If a nominee or representative is involved in transactions, a letter, along with valid ID proof, must be provided. The registered mobile number must be active for OTP verification.

21.  OTP verification is mandatory for all transactions under the Golden Pot Jewellery Purchase Plan.

22.  OTP verification will be conducted at the time of delivery to ensure secure transactions.

23.  J. Mittalal Thanga Maligai (JMT) reserves the right to modify the terms and conditions without prior notice, including aspects related to payment methods, location specifics, or compliance regulations.

24.  JMT shall not be held liable for any discrepancies arising from inaccurate participant or nominee information.

25.  JMT reserves the right to disqualify any participant found violating the terms and conditions or engaging in fraudulent activities.

26.  JMT reserves the right to verify and authenticate participant information, including PAN card details, nominee particulars, and transactional details.

27.  Customers agree to the terms and conditions set by the payment gateway and financial institution for online payments made through jmtgold.com.

28.  Any disputes or claims shall be settled under the legal framework of Chennai or the judiciary body of India.

29.  Customers affirm that they have read, understood, and agreed to comply with all the detailed terms and conditions specified herein.

Welcome to JMT’s Golden Pot Jewelry Saving Scheme, a meticulously crafted program tailored to assist you in gradually accumulating savings towards your cherished jewelry acquisitions. We recognize the profound significance jewelry holds in your life, whether as adornments for special occasions or as prudent investments. Our scheme is ingeniously structured to facilitate the accumulation of savings while presenting enticing discounts and benefits upon redemption for jewelry purchases.

In our Jewelry Saving Scheme, customers are empowered to make fixed monthly contributions, ranging from Rs. 1000 to Rs. 30,000. This fixed installment amount remains constant over the 11-month duration of the scheme, ensuring simplicity and steadfastness in your savings endeavor.

The monthly installment model operates in two distinct but complementary ways:

1.     Accumulated Weight: Each monthly installment is seamlessly converted into gold weight, determined by the prevailing 22k gold rate on the date of payment. This ensures that your contributions directly correlate with the value of gold, offering a transparent and tangible savings mechanism.

2.     Accumulated Value: Simultaneously, your monthly installment is also preserved in its monetary form. This dual approach provides flexibility and diversity in your savings portfolio, catering to varying preferences and objectives.

Redemption options:

1.     Using Accumulated Weight: Opting for this route enables customers to avail themselves of a substantial 50% discount on the wastage/ value addition (VA) associated with gold jewelry (upto 18%). This option harmoniously merges the tangible weight of gold with attractive discounts, offering an economically prudent approach to fulfilling your jewelry aspirations.

2.     Using Accumulated Value: Alternatively, customers may elect to redeem their savings entirely in its monetary value. By doing so, customers enjoy a generous 100% discount on the wastage/ value addition (VA) associated with gold jewelry purchases (upto 18%). This option provides unparalleled flexibility, allowing customers to leverage their savings in a manner that best aligns with their preferences and requirements.

Our Jewelry Saving Scheme gives you more than just savings. We want to make your jewelry shopping experience extra special with these added perks:

1.     For Gemstone Studded Gold Jewelry: If you choose this option, you get a big discount of 50% on the wastage/ value addition (VA) for gold jewelry (up to 18%). Plus, you get an extra 5% off on the value of gemstones. This means you get great value for your money and top-notch craftsmanship for your gemstone-studded gold jewelry.

2.     For Diamond Jewelry: If you pick diamond jewelry, you get a nice 15% discount on the diamond's value, up to the amount you've saved. This discount shows our commitment to giving you luxurious diamond jewelry that's affordable without compromising on quality.

3.     For Platinum Jewelry: If you love platinum, you're in luck! You'll get a lovely 15% discount on the value of platinum jewelry, up to the amount you've saved. This shows how serious we are about offering you high-quality jewelry made from the best materials.

4.     For Silver Jewelry: As a thank-you for choosing us, if you go for silver jewelry, you'll get a bonus equal to one month's installment amount. This makes your savings go further, letting you pick out beautiful silver pieces that match your style.

5.     For Silver Articles or Piece Rate Jewelry: If you're interested in silver articles or piece rate jewelry, we have some great deals for you too. You'll get a bonus equal to one month's installment amount, adding extra value to your savings. Plus, you'll enjoy an extra 5% discount on the maximum retail price (MRP), up to the amount you've saved. This shows how much we want to give you great value for your silver jewelry purchases.

1.     Advances can be initiated from a minimum of Rs. 1000 up to Rs. 30,000 (1000, 2000, 3000, 4000, 5000, 10000, 15000, 20000, 25000 & 30000) on a monthly basis.

2.     Payments can be made by Cash/ Credit / Debit Cards/ UPI/ Online Payments/ Post-Dated Cheques/ Local Cheques/ at par cheques/ Demand Drafts favouring J. Mittalal Thanga Maligai payable at Chennai. Outstation cheques and postal orders are not accepted. All related bank charges and service charges are to be borne by the members themselves.

3.     In the event of a cheque being dishonoured by the bank, the member loses eligibility to pay through cheque for all further advances. All remaining advance cheques will be returned to the member.

4.     The advance paid towards the plan is non-refundable in the form of cash under any circumstances; if customers opt for pre-closure, the accumulated advance will be refunded through cheque or bank transfer without any benefits.

5.     Customers are responsible for bearing additional wastage (VA) of above 18%  (if applicable), GST (currently @ 3%), and any other applicable charges levied by the government at the time of purchase.

6.     Accurate and valid personal information, including PAN card details and nominee particulars for KYC compliance, is required during registration.

7.     Nominee details, including valid government-issued identification, are mandatory.

8.     If you opt out of the plan before the payment of sixth instalment, the value of the enrolment benefit received will be deducted from the paid up amount and only the balance amount will be refunded through bank transfer.

9.     The plan is non-transferable, and the benefits accrued are solely for the registered individual.

10.  The Golden Pot Jewellery Purchase Plan cannot be combined or clubbed with any ongoing offers, schemes, or promotions.

11.  Early purchase disqualifies users from receiving any benefits.

12.  The tenure cannot be extended beyond 11 months from the date of commencement under any circumstances.

13.  The accumulated gold (Accumulated Gold Plan) is calculated in terms of 22k (916) pure gold.

14.  The rate of accumulated gold is as per the website and showroom 22k (916) rates on the booking day.

15.  Customers are restricted to purchasing only readily available items in the showroom under this plan.

16.  Partial sales of accumulated gold are not permitted; customers must purchase jewellery for the entire plan value.

17.  When the member purchases jewellery exceeding the accumulated gold weight, the Value Addition (VA) as applicable will be borne by the member for the excess weight at the time of delivery.

18.  Failure to make a purchase within 345 days will result in the cancellation of the plan, and the accumulated advance will be refunded through cheque or bank transfer.

19.  Purchase under the plan can only be facilitated by the registered individual or nominee, along with presenting original government ID proof details for verification.

20.  If a nominee or representative is involved in transactions, a letter, along with valid ID proof, must be provided. The registered mobile number must be active for OTP verification.

21.  OTP verification is mandatory for all transactions under the Golden Pot Jewellery Purchase Plan.

22.  OTP verification will be conducted at the time of delivery to ensure secure transactions.

23.  J. Mittalal Thanga Maligai (JMT) reserves the right to modify the terms and conditions without prior notice, including aspects related to payment methods, location specifics, or compliance regulations.

24.  JMT shall not be held liable for any discrepancies arising from inaccurate participant or nominee information.

25.  JMT reserves the right to disqualify any participant found violating the terms and conditions or engaging in fraudulent activities.

26.  JMT reserves the right to verify and authenticate participant information, including PAN card details, nominee particulars, and transactional details.

27.  Customers agree to the terms and conditions set by the payment gateway and financial institution for online payments made through jmtgold.com.

28.  Any disputes or claims shall be settled under the legal framework of Chennai or the judiciary body of India.

29.  Customers affirm that they have read, understood, and agreed to comply with all the detailed terms and conditions specified herein.

Welcome to JMT’s Golden Pot Jewelry Saving Scheme, a meticulously crafted program tailored to assist you in gradually accumulating savings towards your cherished jewelry acquisitions. We recognize the profound significance jewelry holds in your life, whether as adornments for special occasions or as prudent investments. Our scheme is ingeniously structured to facilitate the accumulation of savings while presenting enticing discounts and benefits upon redemption for jewelry purchases.

In our Jewelry Saving Scheme, customers are empowered to make fixed monthly contributions, ranging from Rs. 1000 to Rs. 30,000. This fixed installment amount remains constant over the 11-month duration of the scheme, ensuring simplicity and steadfastness in your savings endeavor.

The monthly installment model operates in two distinct but complementary ways:

1.     Accumulated Weight: Each monthly installment is seamlessly converted into gold weight, determined by the prevailing 22k gold rate on the date of payment. This ensures that your contributions directly correlate with the value of gold, offering a transparent and tangible savings mechanism.

2.     Accumulated Value: Simultaneously, your monthly installment is also preserved in its monetary form. This dual approach provides flexibility and diversity in your savings portfolio, catering to varying preferences and objectives.

Redemption options:

1.     Using Accumulated Weight: Opting for this route enables customers to avail themselves of a substantial 50% discount on the wastage/ value addition (VA) associated with gold jewelry (upto 18%). This option harmoniously merges the tangible weight of gold with attractive discounts, offering an economically prudent approach to fulfilling your jewelry aspirations.

2.     Using Accumulated Value: Alternatively, customers may elect to redeem their savings entirely in its monetary value. By doing so, customers enjoy a generous 100% discount on the wastage/ value addition (VA) associated with gold jewelry purchases (upto 18%). This option provides unparalleled flexibility, allowing customers to leverage their savings in a manner that best aligns with their preferences and requirements.

Our Jewelry Saving Scheme gives you more than just savings. We want to make your jewelry shopping experience extra special with these added perks:

1.     For Gemstone Studded Gold Jewelry: If you choose this option, you get a big discount of 50% on the wastage/ value addition (VA) for gold jewelry (up to 18%). Plus, you get an extra 5% off on the value of gemstones. This means you get great value for your money and top-notch craftsmanship for your gemstone-studded gold jewelry.

2.     For Diamond Jewelry: If you pick diamond jewelry, you get a nice 15% discount on the diamond's value, up to the amount you've saved. This discount shows our commitment to giving you luxurious diamond jewelry that's affordable without compromising on quality.

3.     For Platinum Jewelry: If you love platinum, you're in luck! You'll get a lovely 15% discount on the value of platinum jewelry, up to the amount you've saved. This shows how serious we are about offering you high-quality jewelry made from the best materials.

4.     For Silver Jewelry: As a thank-you for choosing us, if you go for silver jewelry, you'll get a bonus equal to one month's installment amount. This makes your savings go further, letting you pick out beautiful silver pieces that match your style.

5.     For Silver Articles or Piece Rate Jewelry: If you're interested in silver articles or piece rate jewelry, we have some great deals for you too. You'll get a bonus equal to one month's installment amount, adding extra value to your savings. Plus, you'll enjoy an extra 5% discount on the maximum retail price (MRP), up to the amount you've saved. This shows how much we want to give you great value for your silver jewelry purchases.

1.     Advances can be initiated from a minimum of Rs. 1000 up to Rs. 30,000 (1000, 2000, 3000, 4000, 5000, 10000, 15000, 20000, 25000 & 30000) on a monthly basis.

2.     Payments can be made by Cash/ Credit / Debit Cards/ UPI/ Online Payments/ Post-Dated Cheques/ Local Cheques/ at par cheques/ Demand Drafts favouring J. Mittalal Thanga Maligai payable at Chennai. Outstation cheques and postal orders are not accepted. All related bank charges and service charges are to be borne by the members themselves.

3.     In the event of a cheque being dishonoured by the bank, the member loses eligibility to pay through cheque for all further advances. All remaining advance cheques will be returned to the member.

4.     The advance paid towards the plan is non-refundable in the form of cash under any circumstances; if customers opt for pre-closure, the accumulated advance will be refunded through cheque or bank transfer without any benefits.

5.     Customers are responsible for bearing additional wastage (VA) of above 18%  (if applicable), GST (currently @ 3%), and any other applicable charges levied by the government at the time of purchase.

6.     Accurate and valid personal information, including PAN card details and nominee particulars for KYC compliance, is required during registration.

7.     Nominee details, including valid government-issued identification, are mandatory.

8.     If you opt out of the plan before the payment of sixth instalment, the value of the enrolment benefit received will be deducted from the paid up amount and only the balance amount will be refunded through bank transfer.

9.     The plan is non-transferable, and the benefits accrued are solely for the registered individual.

10.  The Golden Pot Jewellery Purchase Plan cannot be combined or clubbed with any ongoing offers, schemes, or promotions.

11.  Early purchase disqualifies users from receiving any benefits.

12.  The tenure cannot be extended beyond 11 months from the date of commencement under any circumstances.

13.  The accumulated gold (Accumulated Gold Plan) is calculated in terms of 22k (916) pure gold.

14.  The rate of accumulated gold is as per the website and showroom 22k (916) rates on the booking day.

15.  Customers are restricted to purchasing only readily available items in the showroom under this plan.

16.  Partial sales of accumulated gold are not permitted; customers must purchase jewellery for the entire plan value.

17.  When the member purchases jewellery exceeding the accumulated gold weight, the Value Addition (VA) as applicable will be borne by the member for the excess weight at the time of delivery.

18.  Failure to make a purchase within 345 days will result in the cancellation of the plan, and the accumulated advance will be refunded through cheque or bank transfer.

19.  Purchase under the plan can only be facilitated by the registered individual or nominee, along with presenting original government ID proof details for verification.

20.  If a nominee or representative is involved in transactions, a letter, along with valid ID proof, must be provided. The registered mobile number must be active for OTP verification.

21.  OTP verification is mandatory for all transactions under the Golden Pot Jewellery Purchase Plan.

22.  OTP verification will be conducted at the time of delivery to ensure secure transactions.

23.  J. Mittalal Thanga Maligai (JMT) reserves the right to modify the terms and conditions without prior notice, including aspects related to payment methods, location specifics, or compliance regulations.

24.  JMT shall not be held liable for any discrepancies arising from inaccurate participant or nominee information.

25.  JMT reserves the right to disqualify any participant found violating the terms and conditions or engaging in fraudulent activities.

26.  JMT reserves the right to verify and authenticate participant information, including PAN card details, nominee particulars, and transactional details.

27.  Customers agree to the terms and conditions set by the payment gateway and financial institution for online payments made through jmtgold.com.

28.  Any disputes or claims shall be settled under the legal framework of Chennai or the judiciary body of India.

29.  Customers affirm that they have read, understood, and agreed to comply with all the detailed terms and conditions specified herein.

Welcome to JMT’s Golden Pot Jewelry Saving Scheme, a meticulously crafted program tailored to assist you in gradually accumulating savings towards your cherished jewelry acquisitions. We recognize the profound significance jewelry holds in your life, whether as adornments for special occasions or as prudent investments. Our scheme is ingeniously structured to facilitate the accumulation of savings while presenting enticing discounts and benefits upon redemption for jewelry purchases.

In our Jewelry Saving Scheme, customers are empowered to make fixed monthly contributions, ranging from Rs. 1000 to Rs. 30,000. This fixed installment amount remains constant over the 11-month duration of the scheme, ensuring simplicity and steadfastness in your savings endeavor.

The monthly installment model operates in two distinct but complementary ways:

1.    Accumulated Weight: Each monthly installment is seamlessly converted into gold weight, determined by the prevailing 22k gold rate on the date of payment. This ensures that your contributions directly correlate with the value of gold, offering a transparent and tangible savings mechanism.

2.    Accumulated Value: Simultaneously, your monthly installment is also preserved in its monetary form. This dual approach provides flexibility and diversity in your savings portfolio, catering to varying preferences and objectives.

Redemption options:

1.    Using Accumulated Weight: Opting for this route enables customers to avail themselves of a substantial 50% discount on the wastage/ value addition (VA) associated with gold jewelry (upto 18%). This option harmoniously merges the tangible weight of gold with attractive discounts, offering an economically prudent approach to fulfilling your jewelry aspirations.

2.    Using Accumulated Value: Alternatively, customers may elect to redeem their savings entirely in its monetary value. By doing so, customers enjoy a generous 100% discount on the wastage/ value addition (VA) associated with gold jewelry purchases (upto 18%). This option provides unparalleled flexibility, allowing customers to leverage their savings in a manner that best aligns with their preferences and requirements.

Our Jewelry Saving Scheme gives you more than just savings. We want to make your jewelry shopping experience extra special with these added perks:

1.    For Gemstone Studded Gold Jewelry: If you choose this option, you get a big discount of 50% on the wastage/ value addition (VA) for gold jewelry (up to 18%). Plus, you get an extra 5% off on the value of gemstones. This means you get great value for your money and top-notch craftsmanship for your gemstone-studded gold jewelry.

2.    For Diamond Jewelry: If you pick diamond jewelry, you get a nice 15% discount on the diamond's value, up to the amount you've saved. This discount shows our commitment to giving you luxurious diamond jewelry that's affordable without compromising on quality.

3.    For Platinum Jewelry: If you love platinum, you're in luck! You'll get a lovely 15% discount on the value of platinum jewelry, up to the amount you've saved. This shows how serious we are about offering you high-quality jewelry made from the best materials.

4.    For Silver Jewelry: As a thank-you for choosing us, if you go for silver jewelry, you'll get a bonus equal to one month's installment amount. This makes your savings go further, letting you pick out beautiful silver pieces that match your style.

5.    For Silver Articles or Piece Rate Jewelry: If you're interested in silver articles or piece rate jewelry, we have some great deals for you too. You'll get a bonus equal to one month's installment amount, adding extra value to your savings. Plus, you'll enjoy an extra 5% discount on the maximum retail price (MRP), up to the amount you've saved. This shows how much we want to give you great value for your silver jewelry purchases.

1.     Advances can be initiated from a minimum of Rs. 1000 up to Rs. 30,000 (1000, 2000, 3000, 4000, 5000, 10000, 15000, 20000, 25000 & 30000) on a monthly basis.

2.     Payments can be made by Cash/ Credit / Debit Cards/ UPI/ Online Payments/ Post-Dated Cheques/ Local Cheques/ at par cheques/ Demand Drafts favouring J. Mittalal Thanga Maligai payable at Chennai. Outstation cheques and postal orders are not accepted. All related bank charges and service charges are to be borne by the members themselves.

3.     In the event of a cheque being dishonoured by the bank, the member loses eligibility to pay through cheque for all further advances. All remaining advance cheques will be returned to the member.

4.     The advance paid towards the plan is non-refundable in the form of cash under any circumstances; if customers opt for pre-closure, the accumulated advance will be refunded through cheque or bank transfer without any benefits.

5.     Customers are responsible for bearing additional wastage (VA) of above 18%  (if applicable), GST (currently @ 3%), and any other applicable charges levied by the government at the time of purchase.

6.     Accurate and valid personal information, including PAN card details and nominee particulars for KYC compliance, is required during registration.

7.     Nominee details, including valid government-issued identification, are mandatory.

8.     If you opt out of the plan before the payment of sixth instalment, the value of the enrolment benefit received will be deducted from the paid up amount and only the balance amount will be refunded through bank transfer.

9.     The plan is non-transferable, and the benefits accrued are solely for the registered individual.

10.  The Golden Pot Jewellery Purchase Plan cannot be combined or clubbed with any ongoing offers, schemes, or promotions.

11.  Early purchase disqualifies users from receiving any benefits.

12.  The tenure cannot be extended beyond 11 months from the date of commencement under any circumstances.

13.  The accumulated gold (Accumulated Gold Plan) is calculated in terms of 22k (916) pure gold.

14.  The rate of accumulated gold is as per the website and showroom 22k (916) rates on the booking day.

15.  Customers are restricted to purchasing only readily available items in the showroom under this plan.

16.  Partial sales of accumulated gold are not permitted; customers must purchase jewellery for the entire plan value.

17.  When the member purchases jewellery exceeding the accumulated gold weight, the Value Addition (VA) as applicable will be borne by the member for the excess weight at the time of delivery.

18.  Failure to make a purchase within 345 days will result in the cancellation of the plan, and the accumulated advance will be refunded through cheque or bank transfer.

19.  Purchase under the plan can only be facilitated by the registered individual or nominee, along with presenting original government ID proof details for verification.

20.  If a nominee or representative is involved in transactions, a letter, along with valid ID proof, must be provided. The registered mobile number must be active for OTP verification.

21.  OTP verification is mandatory for all transactions under the Golden Pot Jewellery Purchase Plan.

22.  OTP verification will be conducted at the time of delivery to ensure secure transactions.

23.  J. Mittalal Thanga Maligai (JMT) reserves the right to modify the terms and conditions without prior notice, including aspects related to payment methods, location specifics, or compliance regulations.

24.  JMT shall not be held liable for any discrepancies arising from inaccurate participant or nominee information.

25.  JMT reserves the right to disqualify any participant found violating the terms and conditions or engaging in fraudulent activities.

26.  JMT reserves the right to verify and authenticate participant information, including PAN card details, nominee particulars, and transactional details.

27.  Customers agree to the terms and conditions set by the payment gateway and financial institution for online payments made through jmtgold.com.

28.  Any disputes or claims shall be settled under the legal framework of Chennai or the judiciary body of India.

29.  Customers affirm that they have read, understood, and agreed to comply with all the detailed terms and conditions specified herein.

Welcome to JMT’s Golden Pot Jewelry Saving Scheme, a meticulously crafted program tailored to assist you in gradually accumulating savings towards your cherished jewelry acquisitions. We recognize the profound significance jewelry holds in your life, whether as adornments for special occasions or as prudent investments. Our scheme is ingeniously structured to facilitate the accumulation of savings while presenting enticing discounts and benefits upon redemption for jewelry purchases.

In our Jewelry Saving Scheme, customers are empowered to make fixed monthly contributions, ranging from Rs. 1000 to Rs. 30,000. This fixed installment amount remains constant over the 11-month duration of the scheme, ensuring simplicity and steadfastness in your savings endeavor.

The monthly installment model operates in two distinct but complementary ways:

1.    Accumulated Weight: Each monthly installment is seamlessly converted into gold weight, determined by the prevailing 22k gold rate on the date of payment. This ensures that your contributions directly correlate with the value of gold, offering a transparent and tangible savings mechanism.

2.    Accumulated Value: Simultaneously, your monthly installment is also preserved in its monetary form. This dual approach provides flexibility and diversity in your savings portfolio, catering to varying preferences and objectives.

Redemption options:

1.    Using Accumulated Weight: Opting for this route enables customers to avail themselves of a substantial 50% discount on the wastage/ value addition (VA) associated with gold jewelry (upto 18%). This option harmoniously merges the tangible weight of gold with attractive discounts, offering an economically prudent approach to fulfilling your jewelry aspirations.

2.    Using Accumulated Value: Alternatively, customers may elect to redeem their savings entirely in its monetary value. By doing so, customers enjoy a generous 100% discount on the wastage/ value addition (VA) associated with gold jewelry purchases (upto 18%). This option provides unparalleled flexibility, allowing customers to leverage their savings in a manner that best aligns with their preferences and requirements.

Our Jewelry Saving Scheme gives you more than just savings. We want to make your jewelry shopping experience extra special with these added perks:

1.    For Gemstone Studded Gold Jewelry: If you choose this option, you get a big discount of 50% on the wastage/ value addition (VA) for gold jewelry (up to 18%). Plus, you get an extra 5% off on the value of gemstones. This means you get great value for your money and top-notch craftsmanship for your gemstone-studded gold jewelry.

2.    For Diamond Jewelry: If you pick diamond jewelry, you get a nice 15% discount on the diamond's value, up to the amount you've saved. This discount shows our commitment to giving you luxurious diamond jewelry that's affordable without compromising on quality.

3.    For Platinum Jewelry: If you love platinum, you're in luck! You'll get a lovely 15% discount on the value of platinum jewelry, up to the amount you've saved. This shows how serious we are about offering you high-quality jewelry made from the best materials.

4.    For Silver Jewelry: As a thank-you for choosing us, if you go for silver jewelry, you'll get a bonus equal to one month's installment amount. This makes your savings go further, letting you pick out beautiful silver pieces that match your style.

5.    For Silver Articles or Piece Rate Jewelry: If you're interested in silver articles or piece rate jewelry, we have some great deals for you too. You'll get a bonus equal to one month's installment amount, adding extra value to your savings. Plus, you'll enjoy an extra 5% discount on the maximum retail price (MRP), up to the amount you've saved. This shows how much we want to give you great value for your silver jewelry purchases.

1.     Advances can be initiated from a minimum of Rs. 1000 up to Rs. 30,000 (1000, 2000, 3000, 4000, 5000, 10000, 15000, 20000, 25000 & 30000) on a monthly basis.

2.     Payments can be made by Cash/ Credit / Debit Cards/ UPI/ Online Payments/ Post-Dated Cheques/ Local Cheques/ at par cheques/ Demand Drafts favouring J. Mittalal Thanga Maligai payable at Chennai. Outstation cheques and postal orders are not accepted. All related bank charges and service charges are to be borne by the members themselves.

3.     In the event of a cheque being dishonoured by the bank, the member loses eligibility to pay through cheque for all further advances. All remaining advance cheques will be returned to the member.

4.     The advance paid towards the plan is non-refundable in the form of cash under any circumstances; if customers opt for pre-closure, the accumulated advance will be refunded through cheque or bank transfer without any benefits.

5.     Customers are responsible for bearing additional wastage (VA) of above 18%  (if applicable), GST (currently @ 3%), and any other applicable charges levied by the government at the time of purchase.

6.     Accurate and valid personal information, including PAN card details and nominee particulars for KYC compliance, is required during registration.

7.     Nominee details, including valid government-issued identification, are mandatory.

8.     If you opt out of the plan before the payment of sixth instalment, the value of the enrolment benefit received will be deducted from the paid up amount and only the balance amount will be refunded through bank transfer.

9.     The plan is non-transferable, and the benefits accrued are solely for the registered individual.

10.  The Golden Pot Jewellery Purchase Plan cannot be combined or clubbed with any ongoing offers, schemes, or promotions.

11.  Early purchase disqualifies users from receiving any benefits.

12.  The tenure cannot be extended beyond 11 months from the date of commencement under any circumstances.

13.  The accumulated gold (Accumulated Gold Plan) is calculated in terms of 22k (916) pure gold.

14.  The rate of accumulated gold is as per the website and showroom 22k (916) rates on the booking day.

15.  Customers are restricted to purchasing only readily available items in the showroom under this plan.

16.  Partial sales of accumulated gold are not permitted; customers must purchase jewellery for the entire plan value.

17.  When the member purchases jewellery exceeding the accumulated gold weight, the Value Addition (VA) as applicable will be borne by the member for the excess weight at the time of delivery.

18.  Failure to make a purchase within 345 days will result in the cancellation of the plan, and the accumulated advance will be refunded through cheque or bank transfer.

19.  Purchase under the plan can only be facilitated by the registered individual or nominee, along with presenting original government ID proof details for verification.

20.  If a nominee or representative is involved in transactions, a letter, along with valid ID proof, must be provided. The registered mobile number must be active for OTP verification.

21.  OTP verification is mandatory for all transactions under the Golden Pot Jewellery Purchase Plan.

22.  OTP verification will be conducted at the time of delivery to ensure secure transactions.

23.  J. Mittalal Thanga Maligai (JMT) reserves the right to modify the terms and conditions without prior notice, including aspects related to payment methods, location specifics, or compliance regulations.

24.  JMT shall not be held liable for any discrepancies arising from inaccurate participant or nominee information.

25.  JMT reserves the right to disqualify any participant found violating the terms and conditions or engaging in fraudulent activities.

26.  JMT reserves the right to verify and authenticate participant information, including PAN card details, nominee particulars, and transactional details.

27.  Customers agree to the terms and conditions set by the payment gateway and financial institution for online payments made through jmtgold.com.

28.  Any disputes or claims shall be settled under the legal framework of Chennai or the judiciary body of India.

29.  Customers affirm that they have read, understood, and agreed to comply with all the detailed terms and conditions specified herein.

Welcome to JMT’s Golden Pot Jewelry Saving Scheme, a meticulously crafted program tailored to assist you in gradually accumulating savings towards your cherished jewelry acquisitions. We recognize the profound significance jewelry holds in your life, whether as adornments for special occasions or as prudent investments. Our scheme is ingeniously structured to facilitate the accumulation of savings while presenting enticing discounts and benefits upon redemption for jewelry purchases.

In our Jewelry Saving Scheme, customers are empowered to make fixed monthly contributions, ranging from Rs. 1000 to Rs. 30,000. This fixed installment amount remains constant over the 11-month duration of the scheme, ensuring simplicity and steadfastness in your savings endeavor.

The monthly installment model operates in two distinct but complementary ways:

1.    Accumulated Weight: Each monthly installment is seamlessly converted into gold weight, determined by the prevailing 22k gold rate on the date of payment. This ensures that your contributions directly correlate with the value of gold, offering a transparent and tangible savings mechanism.

2.    Accumulated Value: Simultaneously, your monthly installment is also preserved in its monetary form. This dual approach provides flexibility and diversity in your savings portfolio, catering to varying preferences and objectives.

Redemption options:

1.    Using Accumulated Weight: Opting for this route enables customers to avail themselves of a substantial 50% discount on the wastage/ value addition (VA) associated with gold jewelry (upto 18%). This option harmoniously merges the tangible weight of gold with attractive discounts, offering an economically prudent approach to fulfilling your jewelry aspirations.

2.    Using Accumulated Value: Alternatively, customers may elect to redeem their savings entirely in its monetary value. By doing so, customers enjoy a generous 100% discount on the wastage/ value addition (VA) associated with gold jewelry purchases (upto 18%). This option provides unparalleled flexibility, allowing customers to leverage their savings in a manner that best aligns with their preferences and requirements.

Our Jewelry Saving Scheme gives you more than just savings. We want to make your jewelry shopping experience extra special with these added perks:

1.    For Gemstone Studded Gold Jewelry: If you choose this option, you get a big discount of 50% on the wastage/ value addition (VA) for gold jewelry (up to 18%). Plus, you get an extra 5% off on the value of gemstones. This means you get great value for your money and top-notch craftsmanship for your gemstone-studded gold jewelry.

2.    For Diamond Jewelry: If you pick diamond jewelry, you get a nice 15% discount on the diamond's value, up to the amount you've saved. This discount shows our commitment to giving you luxurious diamond jewelry that's affordable without compromising on quality.

3.    For Platinum Jewelry: If you love platinum, you're in luck! You'll get a lovely 15% discount on the value of platinum jewelry, up to the amount you've saved. This shows how serious we are about offering you high-quality jewelry made from the best materials.

4.    For Silver Jewelry: As a thank-you for choosing us, if you go for silver jewelry, you'll get a bonus equal to one month's installment amount. This makes your savings go further, letting you pick out beautiful silver pieces that match your style.

5.    For Silver Articles or Piece Rate Jewelry: If you're interested in silver articles or piece rate jewelry, we have some great deals for you too. You'll get a bonus equal to one month's installment amount, adding extra value to your savings. Plus, you'll enjoy an extra 5% discount on the maximum retail price (MRP), up to the amount you've saved. This shows how much we want to give you great value for your silver jewelry purchases.