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✦ Krishna Jewellers Pearls & Gems – Hyderabad
Kanaka Vruksham Advance Purchase Gold Saving Scheme
Save over 10 months — get the 11th month FREE plus a 20% VA & 30% Making Charges discount on your dream jewellery.
Kanaka Vruksham is the best gold saving scheme in Hyderabad, offered by Krishna Jewellers Pearls & Gems, Jubilee Hills. This trusted gold saving scheme lets you pay 10 monthly instalments from ₹15,000, receive the 11th month absolutely free, and redeem against gold or diamond jewellery with a 20% VA & 30% making charges discount — making it Hyderabad's most rewarding jewellery advance purchase plan.
Why Choose Kanaka Vruksham?
Free 11th Month
Krishna Jewellers pays your 11th instalment — 100% bonus on one month's amount after completing 10 payments.
30% Making Charges Off
Get 30% discount on making charges when you redeem your plan — saving thousands on craftsmanship costs.
20% VA Discount
Enjoy 20% Value Added discount on jewellery purchase — exclusive only to Kanaka Vruksham members.
330-Day Maturity
Plan matures in exactly 330 days from your enrollment date, with a 30-day purchase window post 10th payment.
Gold, Diamond & Silver
Redeem against gold, diamond, or silver jewellery from the full Krishna Jewellers collection.
Krishna Jewellers, Jubilee Hills
Collect your jewellery from Krishna Jewellers, Jubilee Hills — our flagship showroom in Hyderabad.
How It Works
Simple steps from enrolment to owning your jewellery
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Enrol & Choose Your Instalment
Complete a simple enrolment form. Choose a denomination in multiples of ₹5,000 — minimum ₹15,000 per month. Open to all adults. Minors are ineligible.
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Pay 10 Monthly Instalments
Pay one instalment every month (1st–30th) for 10 consecutive months. Each payment earns you an advance receipt. Payments via debit card, UPI, or online transfer.
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Krishna Jewellers Pays Month 11
On completing all 10 payments (300 days), Krishna Jewellers credits your 11th instalment as a 100% bonus — at no cost to you.
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Wait 30 Days, Then Redeem
After the 10th instalment, wait 30 days. On Day 330, visit any KJPG showroom and purchase gold, diamond, or silver jewellery with 20% VA + 30% making charges discount.
🌟 Join Kanaka Vruksham Today
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Kanaka Vruksham Plan at a Glance
Key rule: Denomination must be a multiple of ₹5,000 | Minimum: ₹15,000/month | Duration: 330 days (11 months) | Purchasing gold/silver coins or bars is not permitted under this plan.
| Monthly Instalment | You Pay (10 Months) | Free Bonus (11th Month) | Total Purchase Value |
|---|---|---|---|
| ₹15,000 | ₹1,50,000 | ₹15,000 (FREE) | ₹1,65,000 |
| ₹20,000 | ₹2,00,000 | ₹20,000 (FREE) | ₹2,20,000 |
| ₹25,000 | ₹2,50,000 | ₹25,000 (FREE) | ₹2,75,000 |
| ₹50,000 | ₹5,00,000 | ₹50,000 (FREE) | ₹5,50,000 |
| ₹1,00,000 | ₹10,00,000 | ₹1,00,000 (FREE) | ₹11,00,000 |
* Illustrative example only. Actual plan amounts depend on your chosen denomination. Jewellery cost is determined at current gold/silver/diamond rates on the day of actual purchase. Additional stone charges and GST applicable as per T&C.
Plan Rules, Terms & Conditions
Read all terms carefully before enrolling — your benefits depend on following these rules
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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.
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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.
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Customers may select any denomination starting at a multiple of ₹5,000, with a minimum of ₹15,000 per month.
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An advance receipt will be issued for every payment made.
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After completing the 10th instalment, customers must wait 30 days before purchasing jewellery.
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The maturity date is exactly 330 days from the date of enrollment.
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Upon successfully completing all 10 monthly instalments (equivalent to 300 days from joining), members receive a bonus of 100% on one month's instalment.
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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.
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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.
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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.
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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.
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Monthly instalments can be paid via debit card, UPI, or online transactions. Always obtain a receipt when paying directly at a branch.
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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.
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The advance payment made under this plan will not bear any interest.
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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.
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The purchase of 24-carat gold coins/bars or silver coins/bars is not permitted under this plan.
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Jewellery cost will be determined at current rates of gold, silver, or diamonds on the day of actual purchase.
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If the purchase amount exceeds the accumulated balance, full Value Added Tax and making charges will be applicable on the excess amount.
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Stone charges will be payable for all stone ornaments. Additional charges apply for special items such as Oddiyanam, Nagaz, etc.
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If a member withdraws prematurely, they may purchase jewellery using the accumulated advance amount but without any bonus or discount benefits.
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Members are not eligible for any additional discounts or offers by KJPG under this plan — it operates independently from all other promotions.
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Members may collect jewellery from any KJPG showroom within the state where they enrolled in the plan.
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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.
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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.
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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.
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The member is responsible for all applicable GST. Any increase in taxes or new levies introduced will also be borne by the member.
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Minor individuals are ineligible to apply or become members under this Advance Purchase Plan.
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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.
Gold Saving Scheme – Frequently Asked Questions
Common questions about the Kanaka Vruksham Advance Purchase Plan
Kanaka Vruksham is a flexible 10-month jewellery advance purchase plan by Krishna Jewellers Pearls & Gems, Hyderabad. You pay equal monthly instalments over 10 months, and Krishna Jewellers contributes the 11th month's instalment as a free bonus. The plan matures at 330 days from your enrollment date.
The minimum monthly instalment is ₹15,000. You can choose any denomination in multiples of ₹5,000 — for example ₹15,000, ₹20,000, ₹25,000, ₹50,000, and so on.
Members who complete all 10 monthly payments receive a 20% Value Added (VA) discount plus a 30% discount on making charges when purchasing jewellery at maturity. These benefits apply only if all instalments are paid on time without any missed months.
If you miss a payment in any month, you will only be eligible to purchase jewellery up to the amount already deposited — forfeiting the free 11th month bonus and the 20% VA & 30% making charges discounts. If continuous payments are not maintained, the plan may be discontinued without prior notice.
No. The advance amount will not be refunded under any circumstances. If you withdraw prematurely, you may purchase jewellery equivalent to your accumulated advance amount, but you will not receive the free month bonus or any discount benefits.
After your 10th instalment (300 days), you must wait 30 days. The plan matures on Day 330 from your enrollment date. You can then visit any KJPG showroom to purchase jewellery. If you do not collect within 365 days of enrollment, a sale invoice will be automatically generated in your name.
No. The purchase of 24-carat gold coins/bars or silver coins/bars is not included in this plan. You can only redeem against gold, diamond, or silver jewellery articles.
The cost of jewellery is calculated based on the current rates of gold, silver, or diamonds on the actual day of purchase. If your purchase exceeds your accumulated balance, full VA and making charges apply to the excess amount. Stone charges and GST are also applicable as per standard rates.
Yes. When joining, members have the option to appoint a nominee by providing the KYC documents of both themselves and the nominee.
Members are allowed to collect jewellery from any KJPG showroom within the state where they enrolled in the plan. The original membership card must be surrendered at the time of collection.
Monthly instalments can be paid through debit cards, UPI, and online transactions. When making payments directly at a branch, always obtain a receipt as proof of payment.
Contact Krishna Jewellers
Showroom Address
Ground Floor, Plot 1222,
Road No. 36, Near Metro Station,
Jubilee Hills, Hyderabad – 500033
