Enjoy freedom

from gold price

fluctuations!

Gold is the most precious investment in life. When

you choose a jewellery saving plan, you have a

special occasion in mind, or make an investment for

the future.

GRT understands your needs very well. We bring

you a unique Flexi Gold Plan with two smart

redemption/maturity options - your monthly

payment will be captured on the basis of the weight

of gold at the price on the date of payment, or value

(Rupees) of your monthly investment. You can pay

in instalments of Rs. 1000 or multiples of Rs. 1000

every month, for a period of 15 months. At the time

of maturity, you get the freedom to choose the best

redemption/maturity benefits.

* The above table is for an illustrative purpose only.

How Flexi Gold Plan Works

1 2300 2.17 5000

2 2350 2.12 5000

3 2400 2.08 5000

4 2356 2.12 5000

5 2390 2.09 5000

6 2400 2.08 5000

7 2500 2.00 5000

8 2550 1.96 5000

9 2600 1.92 5000

10 2602 1.92 5000

11 2700 1.85 5000

12 2750 1.81 5000

13 2789 1.79 5000

14 2800 1.78 5000

15 2900 1.72 5000

TOTAL 29.41 75000

AMOUNT

(in Rs)

Option 2

MONTH

GOLD RATE

(in Rs)

Option 1

WEIGHT

(in Gram)

Option 1: Gold Weight Based option

For every monthly instalment, gold is credited to your account at the prevailing rate.

When you purchase jewellery upon maturity, you enjoy special benefits, as below:

No Value Addition(wastage) and No Making Charges except for special items

on accumulated weight (upto 18%)

No VAT (VAT will be borne by GRT upto 1%)

Flexi Gold Plan Redemption/Maturity Options

HOW IT WORKS ? (Option 1)

Gold weight accumulated

Plain gold jewellery selected

Difference in weight Nil 15gms 15gms 15gms

Actual jewellery wastage 18% 18% 12% 22%

Customers eligibility 18% 18% 18% 18%

Difference in wastage (VA) Nil 18% on 15gms 12% on 15gms 4% on 35gms +

to be paid by customer 22% on 15gms

Making charges Nil Nil Nil Nil

VAT* (Upto Weight Accumulated) Nil Nil Nil Nil

35gms

35gms 50gms 50gms 50gms

35gms 35gms 35gms

* The above table is for an illustrative purpose only.

Option 2:

During maturity (16th month) you can purchase jewellery for the Total

amount + One month Bonus amount.

No Making Charges*(except for special items)

No VAT (VAT will be borne by GRT upto 1%)

Value Addition (wastage) will be charged, according to the jewellery

you choose.

You can choose a special cash incentive /gift article from many options,

at the end of the 15th month.

Value Based option

*VAT borne by GRT *Conditions apply

Scheme for Total Cash Incentive / Value of jewellery

15 months Amount Gift Article you can purchase on maturity Total

(Rs.) (Rs.) on maturity (Rs.) (Including Bonus) (Rs.) (Rs.)

1,000 15,000 400 16,000 16,400

2,000 30,000 800 32,000 32,800

5,000 75,000 2,000 80,000 82,000

10,000 1,50,000 4,000 1,60,000 1,64,000

THE ACCRUED AMOUNT

FOR THE VARIOUS SCHEMES (Option 2)

Trolly Travel Bag SS Flask Pen Drive

Cook n Serve Pressure Cooker Hand Bag

Rs. 2000/- Scheme

Mixie SetAuto Electric

Rice CookerMobile Phone

Rs. 5000/- Scheme

Rs. 10000/- Scheme

Food ProcessorMicrowave OvenMobile Phone

* Pictures are for indicative purpose only.

ATTRACTIVE GIFTS upon maturity(Select one of your choice during maturity for option 2)

Rs. 1000/- Scheme

1) What is GRT Flexi Gold Plan?

2) Is my monthly instalment amount fixed or variable ?

3) How do I pay monthly instalments ?

4) What if I don't pay continuously ?

5) Can I pay the monthly instalments in advance ?

6) What if I discontinue ?

GRT Flexi Gold Plan offers you two smart options your monthly payment will be

captured on the basis of the weight of gold at the price on the date of payment, or

value (Rupees) of your monthly investment. You can pay in instalments of

Rs. 1000 or multiples of Rs. 1000 every month, for a period of 15 months. At the

time of maturity, you get the freedom to choose the best redemption benefits.

Monthly instalment amount is fixed.

You can pay instalments by Cash / DD / Money Order / Electronic Clearing System

(ECS) / Post-dated Cheques (PDC) / At Par Cheques or Local Cheques. Monthly

instalment should reach GRT Jewellers before the end of every month.

No problem. Your plan is still valid. Your redemption period will get delayed

accordingly.

The instalments cannot be carried over or paid in advance. Advancement of the

maturity date is not permitted.

If you wish to discontinue before 12 months, you will be eligible to buy jewellery for

the total amount you paid without any other benefits of this plan.

If you wish to discontinue after payment of 12 monthly instalments, you will be

eligible to buy jewellery for the total gold weight accumulated with No Value

Addition (wastage) and No Making Charges (upto 18%*) OR for the total amount

you paid along with 80% of Bonus.

Please note that cash will NOT be refunded under any circumstances.

7) Can I pay monthly instalment in any of the GRT showrooms ?

8) Can I buy Diamond, Platinum, Ruby, Emerald,

Ethnic & Silver Jewellery / Articles ?

9) Can I buy gold coins ?

10) What if I buy jewellery exceeding my accumulated weight ?

11) What if I buy jewellery with Value Addition (wastage) higher than 18% ?

12) What if I buy jewellery with Value Addition (wastage) lesser than 18% ?

13) Will there be VAT ?

Yes. You can pay monthly instalment in any of the GRT showrooms.

Yes. Value Addition (wastage) and making charges are applicable.

Yes, you can buy 22 Kt / 24 Kt gold coins. If you choose weight based

redemption/maturity option, No Value Addition (wastage) and no making charges

will be applicable. However, for value based redemption/maturity option, Value

Addition (wastage) and making charges will be applicable.

Value Addition (wastage) will be charged on excess weight.

The difference in Value Addition (wastage) will be charged.

In that case, you shall not receive difference in Value Addition (wastage) value.

No. GRT will bear the VAT (upto 1%) on the jewellery & coins you purchase under

either plan. VAT above 1% will be borne by the member.

Frequently asked questions (FAQs)

Please refer to the terms & conditions in the Pass Book

and Application Form

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