Kanaka VrukshamAdvance PurchaseGold Saving Scheme

1. The Kanaka Vruksham Advance Purchase Plan is a flexible 10-month plan. Customers make equal instalments over 10 months. Krishna Jewellers–Pearls & Gems provides an additional instalment as a bonus in the 11th month.
2. Enrollment is open to anyone (adults only — minors are ineligible) by completing a simple form. When joining, members may appoint a nominee by providing KYC documents of both themselves and the nominee.
3. Customers may select any denomination starting at a multiple of ₹5,000, with a minimum of ₹15,000 per month.
4. An advance receipt will be issued for every payment made.
5. After completing the 10th instalment, customers must wait 30 days before purchasing jewellery.
6. The maturity date is exactly 330 days from the date of enrollment.
7. Upon successfully completing all 10 monthly instalments (equivalent to 300 days from joining), members receive a bonus of 100% on one month's instalment.
8. This Jewellery Purchase Plan is distinct and will not be associated with any existing or future plans/offers. It is non-transferable under any circumstances.

1. To avail the "20% VA & 30% Making Charges Discount", members must pay the agreed monthly subscription for all 11 months without exception. One instalment per month (1st–30th) is mandatory. Payments cannot be made in advance or carried over.
2. Payments of instalments beyond the specified period, or multiple instalments together, will not be accepted. If continuous instalment payments are not maintained, the plan will be discontinued without prior notice.
3. If a member fails to pay in any month, they will only be eligible to make a final purchase up to the amount of the deposited advance, forfeiting all bonus and discount benefits.
4. Monthly instalments can be paid via debit card, UPI, or online transactions. Always obtain a receipt when paying directly at a branch.
5. Online payments are accounted for based on the actual day of payment. Technical delays in receiving online/cheque payments will be considered accordingly. KJPG will not be responsible for discrepancies arising from such delays.
6. The advance payment made under this plan will not bear any interest.

1. Purchasing gold, diamond, or silver articles equivalent to the full advance amount is compulsory upon conclusion of the 11-month (330-day) plan. The advance amount will not be refunded under any circumstances.
2. The purchase of 24-carat gold coins/bars or silver coins/bars is not permitted under this plan.
3. Jewellery cost will be determined at current rates of gold, silver, or diamonds on the day of actual purchase.
4. If the purchase amount exceeds the accumulated balance, full Value Added Tax and making charges will be applicable on the excess amount.
5. Stone charges will be payable for all stone ornaments. Additional charges apply for special items such as Oddiyanam, Nagaz, etc.
6. If a member withdraws prematurely, they may purchase jewellery using the accumulated advance amount but without any bonus or discount benefits.
7. Members are not eligible for any additional discounts or offers by KJPG under this plan — it operates independently from all other promotions.
8. Members may collect jewellery from any KJPG showroom within the state where they enrolled in the plan.

1. Members must keep their membership cards updated. The original membership card must be surrendered when receiving jewellery. The applicant must sign both the invoice and the Jewellery Purchase Plan card at the time of purchase.
2. If a member fails to collect jewellery within 365 days from enrollment, a sale invoice will be generated in the member's name. Applicable GST will be paid to the Government, and the ornament weight will be held as "stock in custody" until delivery. KJPG will notify the member by registered mail.
3. Promptly notify KJPG of any change of address or loss of membership card. A written request along with KYC documents is required for a duplicate card.
4. The member is responsible for all applicable GST. Any increase in taxes or new levies introduced will also be borne by the member.
5. Minor individuals are ineligible to apply or become members under this Advance Purchase Plan.
6. All disputes are subject to the jurisdiction of competent courts in Hyderabad, Telangana State.

Important Disclaimer

1. Right to Modify or Suspend: Krishna Jewellers–Pearls & Gems reserves the right to suspend the plan at any time or make changes to the plan. In such a situation, a member will have the option to purchase any item equivalent to the deposited amount. Refunds will not be issued. The company may modify, amend, add, or remove any part or all of the privileges of this plan without prior notice.

2. Jurisdiction: Any disputes arising from this plan will be subject to the jurisdiction of the competent courts under Hyderabad's jurisdiction, Telangana State.

3. Agreement: By enrolling in the Kanaka Vruksham Advance Purchase Plan, the member expresses their desire to become a member and agrees to all the terms and conditions of the KV Advance Purchase Plan.