1. The scheme offers different denominations ranging- 1000, 2000, 3000, 4000, 5000, 10000, 15000, 20000, 25000 and 30000 .This fixed installment amount remains constant over the 11-month duration of the scheme

2. OTP verification is mandatory for all transactions under the Jewellery Saving Scheme.

3. The scheme is non-transferable, and participants should make a note that the benefits accrued under the plan are

solely for the registered individual.

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

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

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

7. The Jewellery Saving Scheme cannot be combined or clubbed with any ongoing offers, schemes, or promotions.

8. Redemption of the plan can only be facilitated by the individual/Nominee registered in the plan, along with presenting

original government ID proof details for verification.

9. In cases where nominees or representatives are involved in transactions, a letter, along with a valid ID proof, must be

provided. The registered mobile number must be active for OTP verification.

10. Failure to purchase within 345 days will result in the cancellation of the plan, and the accumulated amount will be

refunded through cheque or bank transfer without any plan benefits.

11. Early redemption disqualifies users from receiving any benefits.

12. Default in making monthly instalments will result in cancellation of the plan.

13. On redemption, the members are eligible to purchase jewellery readily available at the showroom.

14. (a)As per the plan, incase of redemption on accumulated weight option, the members are eligible for 50% VA benefit

on products with VA upto 18% . Otherwise if redemption is on accumulated amount, members are eligible for full V.A benefits on products upto 18% VA.

(b) Making charges and all other charges as applicable will be fully borne by the members.

15. On redemption if the member purchases jewellery in excess of accumulated weight/ value ,the VA & making charges as applicable will be fully borne by the member.

16. If the member likes to purchase jewelleries with different wastage (VA), the average VA will be applicable.

17. Apart from wastage (VA) if there are any other applicable charges, will be borne by the member.

18. Participants are responsible for bearing GST (currently @ 3%), and any other applicable charges that the government

levies at the time of maturity.

19. The JMT reserves the right to modify the terms and conditions without prior intimation, including aspects related to

payment methods, location specifics, or compliance regulations.

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

21. The JMT reserves the right to use the provided information for verification and authentication purposes.

22. Participants affirm that they have read, understood, and agreed to comply with all the detailed terms and conditions

specified herein.

23. Participation in the Jewellery Saving Scheme requires accurate and valid personal information during registration,

including PAN card details and nominee particulars for KYC compliance.

24. Nominee details are mandatory and must include valid government-issued identification.

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

26. The amount paid towards the plan is non-refundable in form of cash under any circumstances; if customers opt for

pre-closure, the accumulated amount will be refunded through cheque or bank transfer without any benefits.

27. Payments should 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 the related Bank charges & service charges are to be borne by the members

themselves.

28. In the event of cheques being dishonoured by the bank, the member loses the eligibility for paying through cheque

for all further advance payments. All remaining advance cheques will be returned to the member.

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

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

31. The JMT reserves the right to disqualify any participant found violating the terms and conditions or engaging in

fraudulent activities.

32. Participants agree to the terms and conditions set by the payment gateway and financial institution for online

payments made through jmtgold.com.

33. The JMT reserves the right to verify and authenticate participant information, including PAN card details, nominee

particulars, and transactional details.

34. Failure to adhere to the terms and conditions may result in disqualification from the benefits and privileges of the Jewellery Saving Scheme.

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, in multiples of Rs. 1000. 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. The scheme offers different denominations ranging- 1000, 2000, 3000, 4000, 5000, 10000, 15000, 20000, 25000 and 30000 .This fixed installment amount remains constant over the 11-month duration of the scheme

2. OTP verification is mandatory for all transactions under the Jewellery Saving Scheme.

3. The scheme is non-transferable, and participants should make a note that the benefits accrued under the plan are

solely for the registered individual.

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

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

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

7. The Jewellery Saving Scheme cannot be combined or clubbed with any ongoing offers, schemes, or promotions.

8. Redemption of the plan can only be facilitated by the individual/Nominee registered in the plan, along with presenting

original government ID proof details for verification.

9. In cases where nominees or representatives are involved in transactions, a letter, along with a valid ID proof, must be

provided. The registered mobile number must be active for OTP verification.

10. Failure to purchase within 345 days will result in the cancellation of the plan, and the accumulated amount will be

refunded through cheque or bank transfer without any plan benefits.

11. Early redemption disqualifies users from receiving any benefits.

12. Default in making monthly instalments will result in cancellation of the plan.

13. On redemption, the members are eligible to purchase jewellery readily available at the showroom.

14. (a)As per the plan, incase of redemption on accumulated weight option, the members are eligible for 50% VA benefit

on products with VA upto 18% . Otherwise if redemption is on accumulated amount, members are eligible for full V.A benefits on products upto 18% VA.

(b) Making charges and all other charges as applicable will be fully borne by the members.

15. On redemption if the member purchases jewellery in excess of accumulated weight/ value ,the VA & making charges as applicable will be fully borne by the member.

16. If the member likes to purchase jewelleries with different wastage (VA), the average VA will be applicable.

17. Apart from wastage (VA) if there are any other applicable charges, will be borne by the member.

18. Participants are responsible for bearing GST (currently @ 3%), and any other applicable charges that the government

levies at the time of maturity.

19. The JMT reserves the right to modify the terms and conditions without prior intimation, including aspects related to

payment methods, location specifics, or compliance regulations.

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

21. The JMT reserves the right to use the provided information for verification and authentication purposes.

22. Participants affirm that they have read, understood, and agreed to comply with all the detailed terms and conditions

specified herein.

23. Participation in the Jewellery Saving Scheme requires accurate and valid personal information during registration,

including PAN card details and nominee particulars for KYC compliance.

24. Nominee details are mandatory and must include valid government-issued identification.

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

26. The amount paid towards the plan is non-refundable in form of cash under any circumstances; if customers opt for

pre-closure, the accumulated amount will be refunded through cheque or bank transfer without any benefits.

27. Payments should 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 the related Bank charges & service charges are to be borne by the members

themselves.

28. In the event of cheques being dishonoured by the bank, the member loses the eligibility for paying through cheque

for all further advance payments. All remaining advance cheques will be returned to the member.

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

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

31. The JMT reserves the right to disqualify any participant found violating the terms and conditions or engaging in

fraudulent activities.

32. Participants agree to the terms and conditions set by the payment gateway and financial institution for online

payments made through jmtgold.com.

33. The JMT reserves the right to verify and authenticate participant information, including PAN card details, nominee

particulars, and transactional details.

34. Failure to adhere to the terms and conditions may result in disqualification from the benefits and privileges of the Jewellery Saving Scheme.

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, in multiples of Rs. 1000. 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. The scheme offers different denominations ranging- 1000, 2000, 3000, 4000, 5000, 10000, 15000, 20000, 25000 and 30000 .This fixed installment amount remains constant over the 11-month duration of the scheme

2. OTP verification is mandatory for all transactions under the Jewellery Saving Scheme.

3. The scheme is non-transferable, and participants should make a note that the benefits accrued under the plan are

solely for the registered individual.

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

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

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

7. The Jewellery Saving Scheme cannot be combined or clubbed with any ongoing offers, schemes, or promotions.

8. Redemption of the plan can only be facilitated by the individual/Nominee registered in the plan, along with presenting

original government ID proof details for verification.

9. In cases where nominees or representatives are involved in transactions, a letter, along with a valid ID proof, must be

provided. The registered mobile number must be active for OTP verification.

10. Failure to purchase within 345 days will result in the cancellation of the plan, and the accumulated amount will be

refunded through cheque or bank transfer without any plan benefits.

11. Early redemption disqualifies users from receiving any benefits.

12. Default in making monthly instalments will result in cancellation of the plan.

13. On redemption, the members are eligible to purchase jewellery readily available at the showroom.

14. (a)As per the plan, incase of redemption on accumulated weight option, the members are eligible for 50% VA benefit

on products with VA upto 18% . Otherwise if redemption is on accumulated amount, members are eligible for full V.A benefits on products upto 18% VA.

(b) Making charges and all other charges as applicable will be fully borne by the members.

15. On redemption if the member purchases jewellery in excess of accumulated weight/ value ,the VA & making charges as applicable will be fully borne by the member.

16. If the member likes to purchase jewelleries with different wastage (VA), the average VA will be applicable.

17. Apart from wastage (VA) if there are any other applicable charges, will be borne by the member.

18. Participants are responsible for bearing GST (currently @ 3%), and any other applicable charges that the government

levies at the time of maturity.

19. The JMT reserves the right to modify the terms and conditions without prior intimation, including aspects related to

payment methods, location specifics, or compliance regulations.

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

21. The JMT reserves the right to use the provided information for verification and authentication purposes.

22. Participants affirm that they have read, understood, and agreed to comply with all the detailed terms and conditions

specified herein.

23. Participation in the Jewellery Saving Scheme requires accurate and valid personal information during registration,

including PAN card details and nominee particulars for KYC compliance.

24. Nominee details are mandatory and must include valid government-issued identification.

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

26. The amount paid towards the plan is non-refundable in form of cash under any circumstances; if customers opt for

pre-closure, the accumulated amount will be refunded through cheque or bank transfer without any benefits.

27. Payments should 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 the related Bank charges & service charges are to be borne by the members

themselves.

28. In the event of cheques being dishonoured by the bank, the member loses the eligibility for paying through cheque

for all further advance payments. All remaining advance cheques will be returned to the member.

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

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

31. The JMT reserves the right to disqualify any participant found violating the terms and conditions or engaging in

fraudulent activities.

32. Participants agree to the terms and conditions set by the payment gateway and financial institution for online

payments made through jmtgold.com.

33. The JMT reserves the right to verify and authenticate participant information, including PAN card details, nominee

particulars, and transactional details.

34. Failure to adhere to the terms and conditions may result in disqualification from the benefits and privileges of the Jewellery Saving Scheme.

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, in multiples of Rs. 1000. 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. The scheme offers different denominations ranging- 1000, 2000, 3000, 4000, 5000, 10000, 15000, 20000, 25000 and 30000 .This fixed installment amount remains constant over the 11-month duration of the scheme

2. OTP verification is mandatory for all transactions under the Jewellery Saving Scheme.

3. The scheme is non-transferable, and participants should make a note that the benefits accrued under the plan are

solely for the registered individual.

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

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

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

7. The Jewellery Saving Scheme cannot be combined or clubbed with any ongoing offers, schemes, or promotions.

8. Redemption of the plan can only be facilitated by the individual/Nominee registered in the plan, along with presenting

original government ID proof details for verification.

9. In cases where nominees or representatives are involved in transactions, a letter, along with a valid ID proof, must be

provided. The registered mobile number must be active for OTP verification.

10. Failure to purchase within 345 days will result in the cancellation of the plan, and the accumulated amount will be

refunded through cheque or bank transfer without any plan benefits.

11. Early redemption disqualifies users from receiving any benefits.

12. Default in making monthly instalments will result in cancellation of the plan.

13. On redemption, the members are eligible to purchase jewellery readily available at the showroom.

14. (a)As per the plan, incase of redemption on accumulated weight option, the members are eligible for 50% VA benefit

on products with VA upto 18% . Otherwise if redemption is on accumulated amount, members are eligible for full V.A benefits on products upto 18% VA.

(b) Making charges and all other charges as applicable will be fully borne by the members.

15. On redemption if the member purchases jewellery in excess of accumulated weight/ value ,the VA & making charges as applicable will be fully borne by the member.

16. If the member likes to purchase jewelleries with different wastage (VA), the average VA will be applicable.

17. Apart from wastage (VA) if there are any other applicable charges, will be borne by the member.

18. Participants are responsible for bearing GST (currently @ 3%), and any other applicable charges that the government

levies at the time of maturity.

19. The JMT reserves the right to modify the terms and conditions without prior intimation, including aspects related to

payment methods, location specifics, or compliance regulations.

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

21. The JMT reserves the right to use the provided information for verification and authentication purposes.

22. Participants affirm that they have read, understood, and agreed to comply with all the detailed terms and conditions

specified herein.

23. Participation in the Jewellery Saving Scheme requires accurate and valid personal information during registration,

including PAN card details and nominee particulars for KYC compliance.

24. Nominee details are mandatory and must include valid government-issued identification.

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

26. The amount paid towards the plan is non-refundable in form of cash under any circumstances; if customers opt for

pre-closure, the accumulated amount will be refunded through cheque or bank transfer without any benefits.

27. Payments should 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 the related Bank charges & service charges are to be borne by the members

themselves.

28. In the event of cheques being dishonoured by the bank, the member loses the eligibility for paying through cheque

for all further advance payments. All remaining advance cheques will be returned to the member.

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

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

31. The JMT reserves the right to disqualify any participant found violating the terms and conditions or engaging in

fraudulent activities.

32. Participants agree to the terms and conditions set by the payment gateway and financial institution for online

payments made through jmtgold.com.

33. The JMT reserves the right to verify and authenticate participant information, including PAN card details, nominee

particulars, and transactional details.

34. Failure to adhere to the terms and conditions may result in disqualification from the benefits and privileges of the Jewellery Saving Scheme.

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, in multiples of Rs. 1000. 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. The scheme offers different denominations ranging- 1000, 2000, 3000, 4000, 5000, 10000, 15000, 20000, 25000 and 30000 .This fixed installment amount remains constant over the 11-month duration of the scheme

2. OTP verification is mandatory for all transactions under the Jewellery Saving Scheme.

3. The scheme is non-transferable, and participants should make a note that the benefits accrued under the plan are

solely for the registered individual.

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

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

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

7. The Jewellery Saving Scheme cannot be combined or clubbed with any ongoing offers, schemes, or promotions.

8. Redemption of the plan can only be facilitated by the individual/Nominee registered in the plan, along with presenting

original government ID proof details for verification.

9. In cases where nominees or representatives are involved in transactions, a letter, along with a valid ID proof, must be

provided. The registered mobile number must be active for OTP verification.

10. Failure to purchase within 345 days will result in the cancellation of the plan, and the accumulated amount will be

refunded through cheque or bank transfer without any plan benefits.

11. Early redemption disqualifies users from receiving any benefits.

12. Default in making monthly instalments will result in cancellation of the plan.

13. On redemption, the members are eligible to purchase jewellery readily available at the showroom.

14. (a)As per the plan, incase of redemption on accumulated weight option, the members are eligible for 50% VA benefit

on products with VA upto 18% . Otherwise if redemption is on accumulated amount, members are eligible for full V.A benefits on products upto 18% VA.

(b) Making charges and all other charges as applicable will be fully borne by the members.

15. On redemption if the member purchases jewellery in excess of accumulated weight/ value ,the VA & making charges as applicable will be fully borne by the member.

16. If the member likes to purchase jewelleries with different wastage (VA), the average VA will be applicable.

17. Apart from wastage (VA) if there are any other applicable charges, will be borne by the member.

18. Participants are responsible for bearing GST (currently @ 3%), and any other applicable charges that the government

levies at the time of maturity.

19. The JMT reserves the right to modify the terms and conditions without prior intimation, including aspects related to

payment methods, location specifics, or compliance regulations.

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

21. The JMT reserves the right to use the provided information for verification and authentication purposes.

22. Participants affirm that they have read, understood, and agreed to comply with all the detailed terms and conditions

specified herein.

23. Participation in the Jewellery Saving Scheme requires accurate and valid personal information during registration,

including PAN card details and nominee particulars for KYC compliance.

24. Nominee details are mandatory and must include valid government-issued identification.

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

26. The amount paid towards the plan is non-refundable in form of cash under any circumstances; if customers opt for

pre-closure, the accumulated amount will be refunded through cheque or bank transfer without any benefits.

27. Payments should 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 the related Bank charges & service charges are to be borne by the members

themselves.

28. In the event of cheques being dishonoured by the bank, the member loses the eligibility for paying through cheque

for all further advance payments. All remaining advance cheques will be returned to the member.

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

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

31. The JMT reserves the right to disqualify any participant found violating the terms and conditions or engaging in

fraudulent activities.

32. Participants agree to the terms and conditions set by the payment gateway and financial institution for online

payments made through jmtgold.com.

33. The JMT reserves the right to verify and authenticate participant information, including PAN card details, nominee

particulars, and transactional details.

34. Failure to adhere to the terms and conditions may result in disqualification from the benefits and privileges of the Jewellery Saving Scheme.

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, in multiples of Rs. 1000. 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. The scheme offers different denominations ranging- 1000, 2000, 3000, 4000, 5000, 10000, 15000, 20000, 25000 and 30000 .This fixed installment amount remains constant over the 11-month duration of the scheme

2. OTP verification is mandatory for all transactions under the Jewellery Saving Scheme.

3. The scheme is non-transferable, and participants should make a note that the benefits accrued under the plan are

solely for the registered individual.

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

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

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

7. The Jewellery Saving Scheme cannot be combined or clubbed with any ongoing offers, schemes, or promotions.

8. Redemption of the plan can only be facilitated by the individual/Nominee registered in the plan, along with presenting

original government ID proof details for verification.

9. In cases where nominees or representatives are involved in transactions, a letter, along with a valid ID proof, must be

provided. The registered mobile number must be active for OTP verification.

10. Failure to purchase within 345 days will result in the cancellation of the plan, and the accumulated amount will be

refunded through cheque or bank transfer without any plan benefits.

11. Early redemption disqualifies users from receiving any benefits.

12. Default in making monthly instalments will result in cancellation of the plan.

13. On redemption, the members are eligible to purchase jewellery readily available at the showroom.

14. (a)As per the plan, incase of redemption on accumulated weight option, the members are eligible for 50% VA benefit

on products with VA upto 18% . Otherwise if redemption is on accumulated amount, members are eligible for full V.A benefits on products upto 18% VA.

(b) Making charges and all other charges as applicable will be fully borne by the members.

15. On redemption if the member purchases jewellery in excess of accumulated weight/ value ,the VA & making charges as applicable will be fully borne by the member.

16. If the member likes to purchase jewelleries with different wastage (VA), the average VA will be applicable.

17. Apart from wastage (VA) if there are any other applicable charges, will be borne by the member.

18. Participants are responsible for bearing GST (currently @ 3%), and any other applicable charges that the government

levies at the time of maturity.

19. The JMT reserves the right to modify the terms and conditions without prior intimation, including aspects related to

payment methods, location specifics, or compliance regulations.

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

21. The JMT reserves the right to use the provided information for verification and authentication purposes.

22. Participants affirm that they have read, understood, and agreed to comply with all the detailed terms and conditions

specified herein.

23. Participation in the Jewellery Saving Scheme requires accurate and valid personal information during registration,

including PAN card details and nominee particulars for KYC compliance.

24. Nominee details are mandatory and must include valid government-issued identification.

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

26. The amount paid towards the plan is non-refundable in form of cash under any circumstances; if customers opt for

pre-closure, the accumulated amount will be refunded through cheque or bank transfer without any benefits.

27. Payments should 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 the related Bank charges & service charges are to be borne by the members

themselves.

28. In the event of cheques being dishonoured by the bank, the member loses the eligibility for paying through cheque

for all further advance payments. All remaining advance cheques will be returned to the member.

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

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

31. The JMT reserves the right to disqualify any participant found violating the terms and conditions or engaging in

fraudulent activities.

32. Participants agree to the terms and conditions set by the payment gateway and financial institution for online

payments made through jmtgold.com.

33. The JMT reserves the right to verify and authenticate participant information, including PAN card details, nominee

particulars, and transactional details.

34. Failure to adhere to the terms and conditions may result in disqualification from the benefits and privileges of the Jewellery Saving Scheme.

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, in multiples of Rs. 1000. 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. The scheme offers different denominations ranging- 1000, 2000, 3000, 4000, 5000, 10000, 15000, 20000, 25000 and 30000 .This fixed installment amount remains constant over the 11-month duration of the scheme

2. OTP verification is mandatory for all transactions under the Jewellery Saving Scheme.

3. The scheme is non-transferable, and participants should make a note that the benefits accrued under the plan are

solely for the registered individual.

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

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

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

7. The Jewellery Saving Scheme cannot be combined or clubbed with any ongoing offers, schemes, or promotions.

8. Redemption of the plan can only be facilitated by the individual/Nominee registered in the plan, along with presenting

original government ID proof details for verification.

9. In cases where nominees or representatives are involved in transactions, a letter, along with a valid ID proof, must be

provided. The registered mobile number must be active for OTP verification.

10. Failure to purchase within 345 days will result in the cancellation of the plan, and the accumulated amount will be

refunded through cheque or bank transfer without any plan benefits.

11. Early redemption disqualifies users from receiving any benefits.

12. Default in making monthly instalments will result in cancellation of the plan.

13. On redemption, the members are eligible to purchase jewellery readily available at the showroom.

14. (a)As per the plan, incase of redemption on accumulated weight option, the members are eligible for 50% VA benefit

on products with VA upto 18% . Otherwise if redemption is on accumulated amount, members are eligible for full V.A benefits on products upto 18% VA.

(b) Making charges and all other charges as applicable will be fully borne by the members.

15. On redemption if the member purchases jewellery in excess of accumulated weight/ value ,the VA & making charges as applicable will be fully borne by the member.

16. If the member likes to purchase jewelleries with different wastage (VA), the average VA will be applicable.

17. Apart from wastage (VA) if there are any other applicable charges, will be borne by the member.

18. Participants are responsible for bearing GST (currently @ 3%), and any other applicable charges that the government

levies at the time of maturity.

19. The JMT reserves the right to modify the terms and conditions without prior intimation, including aspects related to

payment methods, location specifics, or compliance regulations.

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

21. The JMT reserves the right to use the provided information for verification and authentication purposes.

22. Participants affirm that they have read, understood, and agreed to comply with all the detailed terms and conditions

specified herein.

23. Participation in the Jewellery Saving Scheme requires accurate and valid personal information during registration,

including PAN card details and nominee particulars for KYC compliance.

24. Nominee details are mandatory and must include valid government-issued identification.

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

26. The amount paid towards the plan is non-refundable in form of cash under any circumstances; if customers opt for

pre-closure, the accumulated amount will be refunded through cheque or bank transfer without any benefits.

27. Payments should 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 the related Bank charges & service charges are to be borne by the members

themselves.

28. In the event of cheques being dishonoured by the bank, the member loses the eligibility for paying through cheque

for all further advance payments. All remaining advance cheques will be returned to the member.

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

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

31. The JMT reserves the right to disqualify any participant found violating the terms and conditions or engaging in

fraudulent activities.

32. Participants agree to the terms and conditions set by the payment gateway and financial institution for online

payments made through jmtgold.com.

33. The JMT reserves the right to verify and authenticate participant information, including PAN card details, nominee

particulars, and transactional details.

34. Failure to adhere to the terms and conditions may result in disqualification from the benefits and privileges of the Jewellery Saving Scheme.

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, in multiples of Rs. 1000. 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. The scheme offers different denominations ranging- 1000, 2000, 3000, 4000, 5000, 10000, 15000, 20000, 25000 and 30000 .This fixed installment amount remains constant over the 11-month duration of the scheme

2. OTP verification is mandatory for all transactions under the Jewellery Saving Scheme.

3. The scheme is non-transferable, and participants should make a note that the benefits accrued under the plan are

solely for the registered individual.

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

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

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

7. The Jewellery Saving Scheme cannot be combined or clubbed with any ongoing offers, schemes, or promotions.

8. Redemption of the plan can only be facilitated by the individual/Nominee registered in the plan, along with presenting

original government ID proof details for verification.

9. In cases where nominees or representatives are involved in transactions, a letter, along with a valid ID proof, must be

provided. The registered mobile number must be active for OTP verification.

10. Failure to purchase within 345 days will result in the cancellation of the plan, and the accumulated amount will be

refunded through cheque or bank transfer without any plan benefits.

11. Early redemption disqualifies users from receiving any benefits.

12. Default in making monthly instalments will result in cancellation of the plan.

13. On redemption, the members are eligible to purchase jewellery readily available at the showroom.

14. (a)As per the plan, incase of redemption on accumulated weight option, the members are eligible for 50% VA benefit

on products with VA upto 18% . Otherwise if redemption is on accumulated amount, members are eligible for full V.A benefits on products upto 18% VA.

(b) Making charges and all other charges as applicable will be fully borne by the members.

15. On redemption if the member purchases jewellery in excess of accumulated weight/ value ,the VA & making charges as applicable will be fully borne by the member.

16. If the member likes to purchase jewelleries with different wastage (VA), the average VA will be applicable.

17. Apart from wastage (VA) if there are any other applicable charges, will be borne by the member.

18. Participants are responsible for bearing GST (currently @ 3%), and any other applicable charges that the government

levies at the time of maturity.

19. The JMT reserves the right to modify the terms and conditions without prior intimation, including aspects related to

payment methods, location specifics, or compliance regulations.

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

21. The JMT reserves the right to use the provided information for verification and authentication purposes.

22. Participants affirm that they have read, understood, and agreed to comply with all the detailed terms and conditions

specified herein.

23. Participation in the Jewellery Saving Scheme requires accurate and valid personal information during registration,

including PAN card details and nominee particulars for KYC compliance.

24. Nominee details are mandatory and must include valid government-issued identification.

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

26. The amount paid towards the plan is non-refundable in form of cash under any circumstances; if customers opt for

pre-closure, the accumulated amount will be refunded through cheque or bank transfer without any benefits.

27. Payments should 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 the related Bank charges & service charges are to be borne by the members

themselves.

28. In the event of cheques being dishonoured by the bank, the member loses the eligibility for paying through cheque

for all further advance payments. All remaining advance cheques will be returned to the member.

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

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

31. The JMT reserves the right to disqualify any participant found violating the terms and conditions or engaging in

fraudulent activities.

32. Participants agree to the terms and conditions set by the payment gateway and financial institution for online

payments made through jmtgold.com.

33. The JMT reserves the right to verify and authenticate participant information, including PAN card details, nominee

particulars, and transactional details.

34. Failure to adhere to the terms and conditions may result in disqualification from the benefits and privileges of the Jewellery Saving Scheme.

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, in multiples of Rs. 1000. 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. The scheme offers different denominations ranging- 1000, 2000, 3000, 4000, 5000, 10000, 15000, 20000, 25000 and 30000 .This fixed installment amount remains constant over the 11-month duration of the scheme

2. OTP verification is mandatory for all transactions under the Jewellery Saving Scheme.

3. The scheme is non-transferable, and participants should make a note that the benefits accrued under the plan are

solely for the registered individual.

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

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

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

7. The Jewellery Saving Scheme cannot be combined or clubbed with any ongoing offers, schemes, or promotions.

8. Redemption of the plan can only be facilitated by the individual/Nominee registered in the plan, along with presenting

original government ID proof details for verification.

9. In cases where nominees or representatives are involved in transactions, a letter, along with a valid ID proof, must be

provided. The registered mobile number must be active for OTP verification.

10. Failure to purchase within 345 days will result in the cancellation of the plan, and the accumulated amount will be

refunded through cheque or bank transfer without any plan benefits.

11. Early redemption disqualifies users from receiving any benefits.

12. Default in making monthly instalments will result in cancellation of the plan.

13. On redemption, the members are eligible to purchase jewellery readily available at the showroom.

14. (a)As per the plan, incase of redemption on accumulated weight option, the members are eligible for 50% VA benefit

on products with VA upto 18% . Otherwise if redemption is on accumulated amount, members are eligible for full V.A benefits on products upto 18% VA.

(b) Making charges and all other charges as applicable will be fully borne by the members.

15. On redemption if the member purchases jewellery in excess of accumulated weight/ value ,the VA & making charges as applicable will be fully borne by the member.

16. If the member likes to purchase jewelleries with different wastage (VA), the average VA will be applicable.

17. Apart from wastage (VA) if there are any other applicable charges, will be borne by the member.

18. Participants are responsible for bearing GST (currently @ 3%), and any other applicable charges that the government

levies at the time of maturity.

19. The JMT reserves the right to modify the terms and conditions without prior intimation, including aspects related to

payment methods, location specifics, or compliance regulations.

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

21. The JMT reserves the right to use the provided information for verification and authentication purposes.

22. Participants affirm that they have read, understood, and agreed to comply with all the detailed terms and conditions

specified herein.

23. Participation in the Jewellery Saving Scheme requires accurate and valid personal information during registration,

including PAN card details and nominee particulars for KYC compliance.

24. Nominee details are mandatory and must include valid government-issued identification.

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

26. The amount paid towards the plan is non-refundable in form of cash under any circumstances; if customers opt for

pre-closure, the accumulated amount will be refunded through cheque or bank transfer without any benefits.

27. Payments should 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 the related Bank charges & service charges are to be borne by the members

themselves.

28. In the event of cheques being dishonoured by the bank, the member loses the eligibility for paying through cheque

for all further advance payments. All remaining advance cheques will be returned to the member.

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

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

31. The JMT reserves the right to disqualify any participant found violating the terms and conditions or engaging in

fraudulent activities.

32. Participants agree to the terms and conditions set by the payment gateway and financial institution for online

payments made through jmtgold.com.

33. The JMT reserves the right to verify and authenticate participant information, including PAN card details, nominee

particulars, and transactional details.

34. Failure to adhere to the terms and conditions may result in disqualification from the benefits and privileges of the Jewellery Saving Scheme.

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, in multiples of Rs. 1000. 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. The scheme offers different denominations ranging- 1000, 2000, 3000, 4000, 5000, 10000, 15000, 20000, 25000 and 30000 .This fixed installment amount remains constant over the 11-month duration of the scheme

2. OTP verification is mandatory for all transactions under the Jewellery Saving Scheme.

3. The scheme is non-transferable, and participants should make a note that the benefits accrued under the plan are

solely for the registered individual.

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

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

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

7. The Jewellery Saving Scheme cannot be combined or clubbed with any ongoing offers, schemes, or promotions.

8. Redemption of the plan can only be facilitated by the individual/Nominee registered in the plan, along with presenting

original government ID proof details for verification.

9. In cases where nominees or representatives are involved in transactions, a letter, along with a valid ID proof, must be

provided. The registered mobile number must be active for OTP verification.

10. Failure to purchase within 345 days will result in the cancellation of the plan, and the accumulated amount will be

refunded through cheque or bank transfer without any plan benefits.

11. Early redemption disqualifies users from receiving any benefits.

12. Default in making monthly instalments will result in cancellation of the plan.

13. On redemption, the members are eligible to purchase jewellery readily available at the showroom.

14. (a)As per the plan, incase of redemption on accumulated weight option, the members are eligible for 50% VA benefit

on products with VA upto 18% . Otherwise if redemption is on accumulated amount, members are eligible for full V.A benefits on products upto 18% VA.

(b) Making charges and all other charges as applicable will be fully borne by the members.

15. On redemption if the member purchases jewellery in excess of accumulated weight/ value ,the VA & making charges as applicable will be fully borne by the member.

16. If the member likes to purchase jewelleries with different wastage (VA), the average VA will be applicable.

17. Apart from wastage (VA) if there are any other applicable charges, will be borne by the member.

18. Participants are responsible for bearing GST (currently @ 3%), and any other applicable charges that the government

levies at the time of maturity.

19. The JMT reserves the right to modify the terms and conditions without prior intimation, including aspects related to

payment methods, location specifics, or compliance regulations.

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

21. The JMT reserves the right to use the provided information for verification and authentication purposes.

22. Participants affirm that they have read, understood, and agreed to comply with all the detailed terms and conditions

specified herein.

23. Participation in the Jewellery Saving Scheme requires accurate and valid personal information during registration,

including PAN card details and nominee particulars for KYC compliance.

24. Nominee details are mandatory and must include valid government-issued identification.

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

26. The amount paid towards the plan is non-refundable in form of cash under any circumstances; if customers opt for

pre-closure, the accumulated amount will be refunded through cheque or bank transfer without any benefits.

27. Payments should 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 the related Bank charges & service charges are to be borne by the members

themselves.

28. In the event of cheques being dishonoured by the bank, the member loses the eligibility for paying through cheque

for all further advance payments. All remaining advance cheques will be returned to the member.

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

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

31. The JMT reserves the right to disqualify any participant found violating the terms and conditions or engaging in

fraudulent activities.

32. Participants agree to the terms and conditions set by the payment gateway and financial institution for online

payments made through jmtgold.com.

33. The JMT reserves the right to verify and authenticate participant information, including PAN card details, nominee

particulars, and transactional details.

34. Failure to adhere to the terms and conditions may result in disqualification from the benefits and privileges of the Jewellery Saving Scheme.

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, in multiples of Rs. 1000. 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.