1. This Gold Saving Scheme is valid for a total tenure of 12 months only.

2. The member is required to pay 12 equal monthly installments consecutively without any break.

3. Upon successful completion of 12 months, Rishabh Jewellers will contribute the 13th installment as a loyalty bonus.

4. Installments must be paid before the 12th of every calendar month to maintain eligibility for the bonus.

5. In case of more than two delayed payments, the store reserves the right to disqualify the member from the bonus month.

6. The total accumulated value (12 installments + 1 bonus) can only be redeemed for 22Kt Gold or Diamond Jewellery.

7. No cash refunds, partial redemptions, or transfers to other accounts are allowed under this scheme.

8. The value for redemption will be calculated based on the prevailing gold rate at the time of the final purchase.

9. Making charges, stones, and GST are applicable as per standard store norms at the time of redemption.

10. The plan must be redeemed within 30 days of the maturity date mentioned in the digital passbook.

11. Members must provide a valid government ID (Aadhaar/PAN) at the time of store redemption for verification.

12. Any disputes arising from this scheme are subject to the local jurisdiction of the store location.

13. Rishabh Jewellers reserves the right to modify or terminate the scheme rules with prior notice to active members.