The document summarizes the key details of PC Jeweller's 'Jewels for Less' savings scheme. Members can save as little as Rs. 1000 per month in multiples of 1000 by opting for an annual plan with 12 monthly installments. If installments are missed, the maturity date is extended accordingly. Members can discontinue the scheme anytime and receive jewellery for the amount paid, with no cash refunds. At maturity, members can purchase any jewellery from PC Jeweller's collections for the saved amount or partially redeem and purchase higher-priced jewellery by paying the difference.

1. How much money can I save every month by enrolling with PC
Jeweller?
As little as t 1000 and as much as you want, can be saved in
monthly installments. The amount has to be in multiples of
1000, like 2000, 3000, etc. And you can opt for an 'Annual
Plan (12 month installments)At the end of the scheme period,
pick up any PC Jeweller gold and diamond jewellery of your
choice worth the amounts mentioned in the table.
How and when do I paythe installments?
Payments of Monthly installments should be made on or
before the installment date fixed. Example: lf you become a
member on 1"' January your next deposit will be on 1"'
February and thereaftereverymonth as pertheAnnual Plan.
What happens if I miss afew installments?
lf you delay a few installments, the maturity date of your plan
gets extended accordingly. For example, if you have already
given 5 installments (Jan, Feb, March, April, May)and then you
don't pay any installments for 3 months (June, July, August)
but wish to continue the scheme, you can do so. However,
your maturity date will get postponed by three months from
JanuarytoApril.
What if I want to discontinue the scheme?
You can discontinue the scheme anytime. You will get the
jewellery of paid amount any time. No cash will be refunded.
What can I buywhen my scheme matures?
You can buy any jewellery from our gold and diamond
collections. You can buy jewellery for a higher amount also.
For example, if your amount on maturity is t '14,000/- you can
buy worth 25,OOO/- by paying '11,000/- more and get the
jewellery of your choice. However, the scheme doesn't apply
to pure gold and srlver coins. Buying will be at the prevailing
gold rate with the usual making charges and that of raw gold.
Are there any other advantages with 'Jewels for Less'?
'Jewels for Less' will organize special events for its members.
What are the additional benefits of saving with 'Jewels for
Less'?
. Your savings fetch you better returns than the other savings
on options
r We have been jeweller for generations, and your investment
is safe with us
. You can use this to plan your jewellery purchases in advance
. You can buy l OO% Hallmarked gold jewellery and certified
diamond jewellery from us, even if you don't have the
wealth allat onetime
. You can select any of our jewellery as there is no buying
restriction
. You can buy at the prevailing gold and diamond rate and
making charges asthere ts no price restriction
. We have the largest collection of jewellery, be ii bangles,
sets, rings in all genres of jewellery. The entire collection is
Halimarked and cedified
. So, get ieady as this exciting offer can make you have the
gold and diamonds you always wantedl

2. TERMS & CONDITIONS:
1. The scheme has been introduced by PC Jeweller Limited to facilitate the members to
make advance payment through installments and get added benefits at the time of
purchase on duedate. This Scheme isfor 12 monthsonly.
2. To join the scheme, one has to submit the duly filled application form along with two
passportsize photographs in the concerned showoom.
3. The scheme is open to all lndian citizens having age 18yrs or more. For minors, parents can
enroll on their behalf. Accounts can be opened online on approaching ourwebsite.
4. The amount of installments has to be in multiples of Rs. 1000 and there is no limit for
maximum amount.
5. Payments of Monthly installments should be made on or before the installment date lixed.
The monthly installment can be paid by Cash, Cheques & Debit Cards. The installments
canbealso paidonlinethroughourwebsite. Anyfailureinlhisregardwillbeconsideredas
a defaultforthat particular month. Cheque paymentswill be effective subjectto realization.
Charges for bounced cheques should be paid by member The proper receipt shall be
issuedby PC JewellerLimited against paymentsreceived.Customerwillpreservethe
receipts and required lo be produced atthetimeofbuyingjewellery.
6. Member should ensure that all payments made by them are conectly entered in the
passbook and any discrepancy should be immediately brought to the notice of the
managementand got rectified immediately.
7. On completion of successful payment of the amount in 12 installments on due dates &
completion ofone month afterdue date/after paymentoflastinstallmenlwhichever is later,
the member is entitled to added benefits on purchase. The purchases ofjewellery can be
madefrom anyof ourshowrooms.
8. lf a few installments are delayed, the maturity date of plan gets delayed accordingly. For
example, if the member have already given 5 installments (Jan, Feb, March, April, may) if
there are installments in anean for 3 months (June, July, Aug) and if member wishes to
continue the scheme , he/she can do so. However the maturity date will get postponed by
lhree monthsfiom Jan toApril.
9. lfthememberdiscontinuelhemonthlyinstallments orsubmitforprematureterminationthe
added benifitwill notbeapplicable. ln such eventofprematuretermination the membercan
purchase gold/diamond jewellery equal to the accumulated paid amount. Under the
scheme VAT, making charges and othergovemment regulation will be applicable as on ihe
dateofpurchase. Cash shall notbe refunded in anycase.
10. The company's yetum policy of cash payment if the jewellery is retumed within 7 days will
notbeapplicabletothejewellerypurchasedunderthe present Scheme.
11. The membershall be required to deposit all receipts of installment paid with the passbook
atthe time of redeeming thescheme & purchasing jewellery.
12. Either goldldiamond jewellery can be purchased under the scheme as there is no buying
reshiction. Membercan buyjewelleryforhigheramountalso. Forexample, ifthe amounton
matudty is Rs. 14000 the member can buyjewellery worth Rs.250001 by paying additional
amount ofRs. 1'l 0001
13. The price of jewellery shall be charged on the actual mte at the time 0f delivery and not on
the date ofsubscription into the scheme.
14. 0nlythe memberwould beable to redeem and buythe jewelleryunderthe scheme.
'15. This scheme is applicable only for gold/diamond Jewellery purchases & not applicable for
pure gold, silver&coins.
16. The Company reserves the right to admission to the scheme.
17 . The Company reserves the right to withdraw, modify or alter the scheme without any prior
notice.
'18. Any conditions which are not explicitly covered would be at the sold discretion of the
company. The decision ofthe company in this regard will be final.
19. ln case passbook is lost the duplicate will be issued on submission ofindemnity bond as per
the satisfactidn ofthe Company.
20. This scheme is nottransferable.
21. JFLScheme Holders are not eligible to avail discount/ offers.
22. For payment of installment through crediVdebit cards additional 2% would be
recovered.
23. All the disputes in respect ofthe present Scheme are subject to exclusive Jurisdiction ofthe
Delhimurts only.
ffiPCJeweller
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1 00% Hallmarked Gold, Kundan & Polki Jewellery,
E GIE Certified Diamond Jewellery
2640I264.VAD00ARA IIB,AiIANDNAGARS0CIETY.JFIALPURR0AD.0265-2330404 info@pcjewellercom