The customer can purchase jewellery from the 10th month of enrolment with full benefits.

1. The monthly advance against purchase of jewellery must be equal and paid continuously for eleven months. The advance payments cannot be extended beyond the 11th month and is not transferable under any circumstances.

2. On completion of eleven months from the date of enrolment, the customer will be eligible to purchase the selected Gold jewellery with No Wastage (VA) up to 18% under GRT Golden Eleven Flexi including Gold coin limited to the accumulated value or the accumulated Gold weight, However, if the customer wishes to purchase diamond jewellery, platinum jewellery, silver articles or silver jewellery, the customer will be eligible for the benefits as listed in the benefits table,

4. The monthly advance against purchase of jewellery must be paid within the 10th of every month. The advance amounts paid will not be eligible for any interest.

5. Monthly Advance of any amount over and above Rs, 17,000/- Per Month will not be accepted in cash and must be paid by way of UPI/DD /Debit Cards/Credit Cards/NEFT/RTGS/Local Cheques / PDC Cheques. As per government regulations, a customer cannot combine multiple accounts if those account are paid up by cash and the total of the combined accounts cash payments cannot exceed Rs. 1,99,000.

6. Customers will have to bring the customer receipt book every month while paying the advance amount, and should be surrendered at the time of purchase of jewellery.

7. Customers who choose to discontinue within 5 months of enrolment will not be eligible for any benefit/ discount on wastage (VA) and can only redeem to the extent of accumulated gold weight under the plan, by paying 100% wastage (VA) on the basis of their average gold rate or prevailing gold rate, whichever is lower,

8. Customers who choose to discontinue within 5 months of enrolment will not be eligible for any benefit / discount on wastage (VA) and can redeem only to the extent of accumulated gold weight under the plan. However, if the customer discontinues during 6 month of enrolment, the customer will be entitled to 50% discount on the wastage (VA). If the customer discontinues during 7th month of enrolment, the customer will be entitled to 60% discount on the wastage (VA). If the customer discontinues during 8th month of enrolment, the customer will be entitled to 70% discount on the wastage (VA) and for discontinuation during 9 month, the customer will be entitled to 80% discount on the wastage (VA), limited to the accumulated gold weight under the plan. If the customer discontinues during 10th month, the customer will be entitled to no wastage (VA) up to 18% to the extent of accumulated gold weight under the plan.

9. If the customer discontinues during 10 month, the member will be entitled to No Wastage (VA) up to 18% to the extent of accumulated gold weight under the plan.

10. KYC is compulsory to enrol in the plan. In case of change in address or loss of customer receipt book, the customer should inform the company immediately and apply for a new customer receipt book with KYC details.

11. The customer may appoint a nominee on submission of KYC details for both self and the nominee. Guardian wil sign and will also be the nominee, in case of minors.

12. Payments of monthly advance against purchase of jewellery beyond the stipulated period or payment for more than one month will not be allowed.

13. The advance against purchase of jewellery can be paid & customer can take delivery of selected jewellery at any GRT Jewellers showroom in India.

14, Advance payments should reach GRT before the 10th of every month, Payments can be made by Cash/UPI/DD/Debit cards/Credit cards/ NEFT/RTGS/Local Cheques/Post-dated Cheques (PDC) At-par cheques Outstation cheques will not be accepted. You can give PDCs for the entire period at your convenience. However, cash payment cannot be made for more than Rs.1,99,000 as per Government of India regulations. In case of cheque dishonor, the bank charges will be borne by the customers. The payment can be made at any GRT Jewellers showroom in India or online at www.grtjewels.com or by downloading the GRT Jewellers mobile app.

15. Balance advance amount, if any, will not be refunded in cash and can only be adjusted on purchase of Gold/Silver coins.

16. Customer who choose to pre-close the enrolment will not be eligible for any benefits.

18. The customer can purchase jewellery from the 10th month of enrolment, however before 360 days from the date of enrolment. Customer's advance amount will be refunded if not purchased within 360 days from the date of enrolment.

20. When the customer purchases jewellery in excess of accumulated amount or in excess of accumulated Gold weight, the wastage (VA) as applicable will be borne by the customer for the excess amount/weight.

21. GST & any other Government levies at the time of delivery for all sales transactions will be borne by the customer.

23. Company at its sole discretion can alter, amend, modify, add or delete any of the terms and conditions from time to time.

24. All disputes are subject to the jurisdiction of the competent courts in Chennai.