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 Set
Auto Electric
Rice Cooker
Mobile Phone
Rs. 5000/- Scheme
Rs. 10000/- Scheme
Food Processor Microwave Oven Mobile Phone
* Pictures are for indicative purpose only.
ATTRACTIVE GIFTS upon maturi ty
(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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