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Paper Gold 500gm (91.67 Purity)
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Do you Buy Diamonds from other jewellers.
1. Book Gold, Diamonds, Platinum and Silver rates as you pay your instalments.
2. Buy at the â??averagedâ?? rates.
3. Facility to switch over to cash benefit and buy at current rates at the time of maturity.
Any individual (18 years and above) / Company Sole Proprietorship or Partnership firm. Minors may also be enrolled through his/her guardians/nominees. Persons may also nominate another individual who may utilize the gold/diamond/silver at credit or continue the investment plan or utilize the total quantity accrued at the end of the period. In the event of death of the individual, the nominee shall produce the identification card and all receipts of payments made, before being able to utilize the quantity available in his/her/their account.
MISSED PAYMENTS DO NOT EXTEND YOUR MATURITY.
NEW! You may club amounts or weights from multiple plans to purchase an ornament.
(Provided the plans are enrolled in same name)
NEW! The amounts may be used to buy gemstones and gift articles too.
NEW! Get additional “Birthday Gift Benefit“ on your Birthday! Additional benefits are automatically applied to the installment paid during the month of your Birthday! Enjoy higher benefit on higher instalment amount paid on your special day!
% OF GAIN IN QUANTITY OF GOLD JEWELLERY PURCHASED OVER THE LAST 11 MONTH PERIOD
LIVE CASE EXAMPLE*
Percentage of gain (loss) in quantity of gold jewellery purchased over re last 11 months period |
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Installment month | Installment amount (Rs) | Additional Benefit @10% per annum (Rs) | Birthday benefit 10 % on amount of installment additional for the month (Rs) | Gold Rate 22 Kt per gram applied at (Rs) | Accrued gold Wt in Qty benefit option @ 10 % per annum (Grams) | Accrued cash benefit in “Cash Benefit” option @10% per annum (Rs) |
Feb-22 | 10000 | 916.66 | 83.33 | 4,490.99 | 2.431 | 1,000.00 |
Mar-22 | 10000 | 833.33 | 4,747.98 | 2.282 | 833.33 | |
Apr-22 | 10000 | 750 | 4,844.00 | 2.219 | 750 | |
May-22 | 10000 | 666.67 | 4,838.01 | 2.205 | 666.67 | |
Jun-22 | 10000 | 583.33 | 4,729.99 | 2.237 | 583.33 | |
Jul-22 | 10000 | 500 | 4,783.98 | 2.195 | 500 | |
Aug-22 | 10000 | 416.67 | 4,725.01 | 2.205 | 416.67 | |
Sep-22 | 10000 | 333.33 | 4,650.02 | 2.222 | 333.33 | |
Oct-22 | 10000 | 250 | 4,625.01 | 2.216 | 250 | |
Nov-22 | 10000 | 167.67 | 4,635.01 | 2.194 | 167.67 | |
Dec-22 | 10000 | 83.33 | 4,880.01 | 2.066 | 83.33 | |
Total | Rs.110000 | Rs.5584.33 | 24.489 Grams | Rs.5584.33 |
Billed day's gold rate per gram (Rs) |
Rs. 5140.01 | Billed days gold amount 24.489 grams X 5140.01 Rate Per Gram |
Rs.1,25,873.70 |
Billed day's “Average” rate applicable Rs. 1,10,000/ 24.489 Grams |
Rs. 4491.81 | Applied “Average” rate gold amount 24.489 Grams X 4491.81 Rate Per Gram |
Rs.1,10,000.00 |
Gain under “Weight” option | Rs. 15873.76 (Rs.1,25,873.70 - Rs.1,10,000.00) |
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Gain under “Cash” option | Rs. 5584.33 |
For all on time installment payments, Rs.11,000 worth Discount vouchers (with multiplier condition) is issued. Note: If gold rate on billing date is lower than 'averaged', option to switch to “Cash Benefit” is available.
An example: One pair gold bangles |
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Year | Gross Weight (Gram) | Net Weight (Gram) | Normal Price (Rs) | Rate Protection Plan Price (Rs) | Rate Protection Plan Gain (Loss) | |
2023 | 41.75 | 41.01 | 264380 | 248030 | 16350 | |
2022 | 41.75 | 41.01 | 233440 | 226220 | 7220 | |
2021 | 41.75 | 41.01 | 230340 | 224590 | 5750 | |
2020 | 41.75 | 41.01 | 201550 | 181390 | 20160 | |
2019 | 41.75 | 41.01 | 168450 | 158790 | 7660 |
Past 5 years “ Average Rate” Gold Rate Per Gram | ||
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Year | Month | 11 Months Average rate Per Gram (Rs) |
2017 | Feb-Dec | 2754.27 |
2018 | Feb-Dec | 2872.90 |
2019 | Feb-Dec | 3022.88 |
2020 | Feb-Dec | 4399.91 |
2021 | Feb-Dec | 4204.57 |
2022 | Feb-Dec | 4722.72 |
DISCLAIMER: *Live Case Example taken from past date Past performance is not an indication of future performance. Gold, silver, diamonds and platinum rates are subject to market fluctuations. Subject to terms and conditions of operation, issued separately and on www.ckcjewellers.com *22kt Gold rates: Jan 2010 Avg - Rs. 1441.24 per gm. Jan 2016 Avg - Rs. 2366.79 per gm. Other normal charges are applicable.
Family Income per annum | Family Income per Month | Recommended Systematic Instalments per Year | Recommended Systematic Instalments per Month |
---|---|---|---|
3 lakhs | 25,000/- | 11,250/- | 900/- |
6 lakhs | 50,000/- | 22,500/- | 1875/- |
12 lakhs | 1,00,000/- | 45000/- | 3,750/- |
24 lakhs | 2,00,000/- | 90,000- | 7500/- |
36 lakhs | 3,00,000/- | 1,35,000/- | 11,250/- |
60lakhs | 5,00,000/- | 4,50,000/- | 37,500/- |
1.2crore | 10,00,000/- | 9,00,000/- | 75,000/- |
1.8crore | 15,00,000/- | 13,50,000/- | 1,12,500/- |
2.4crore | 20,00,000/- | 18,00,000/- | 1,50,000/- |
Disclaimer: The past record is an indication of the future, and the amount of money saved will depend on the kind of jewellery you purchase.
Our 10-day Return Policy gives you time to make sure your purchase is perfect. If you are not fully satisfied and wish to return it for any reason, we will provide you with a full refund or exchange, within 10 days of the delivered date. All we ask is that the product is unused or barely used. Yes, it's that simple. We can only accept the product without custom engraving/modifications, in its original condition and with the bills & original certificates/ reports as were delivered. Products made to specific sizes, or special designs made to order may be subject to exceptions and return policy may or may not apply. This is, however, applicable for orders within India only. For International orders, please see the International Shipping section.
We offer FREE Return Shipping within India. You'll receive complimentary return shipping on all returns for all products within the 10-day (From the date of delivery) return policy.
1. Email our customer delight team (Ecomm@ckcjewellers.com) your order number and you will be given a Return Authorization Code by reply email, to return the merchandise.
2. Our courier will visit you with a C. Krishniah Chetty Jewellers' package with the unique Return Authorization code, your name and address on the outside of the return package.
3. Our courier agent will secure your jewellery with the original packing materials and certificate in the package provided by C. Krishniah Chetty Jewellers in your presence. Note that once the package is sealed, it cannot be opened. The return will be under video cover for security and audit reasons. Please devote 5 - 10 minutes of your time to carry out this process by yourself and email us on Ecomm@ckcjewellers.com allow 3 - 4 working days for us to reply.
4. Once your returned item is received by C.Krishniah Chetty Jewellers, your refund will be processed as soon as the product is checked and accepted for originality and contents.
Our 10-day Return Policy gives you time to make sure your purchase is perfect. If you need to return it for any reason, we'll happily provide you with a 100% full refund or exchange within 10 working days, and we will also pay for the shipping to and fro. (Exceptions are special products made to order or extra sizes which may be subject to costs, which we will intimate at time of return confirmation).
Products tagged as same day shipping will be shipped on the day on which order is received, if the order placed before the cut off time of 12:00 pm. Order placed after cutoff time, on Sundays and National holidays will be shipped on next working day.
C. Krishniah Chetty Jewellers offers a Lifetime Exchange Policy for general products.
C. Krishniah Chetty Jewelers is 150 years old company. Hence the great deal of merchandise has been sold/exchanged/bought back over the decades. We offer a Lifetime Exchange/Upgrade Policy on all gold, platinum, diamonds & silver purchases made from C. Krishniah Chetty Jewellers, within India. If the product, along with diamonds and gemstones, if any, is intact, you may return it for the current value of gold, platinum, diamonds & silver. There is no value given for gemstones in normal course. This means your product's current value of gold, diamonds, silver, platinum will be determined based on product specifications and the current selling price of similar goods/quality grades/purities at C. Krishniah Chetty Jewellers. Essentially you will receive the same value for the goods as if you would buy on the date of your exchange for the value of gold, silver, platinum and diamonds. Labour or making charges, other gemstones, other materials used if any, wastage charges, taxes, duties, packing shipping & forwarding costs if paid separately will not be accounted for in exchange value. Note: If you had received a discount or a free gift while making your purchase, we will deduct the original discount amount or free gift value, whichever applicable, if the exchange is within 365 days from the date of purchase. If the exchange is over 365 days from the date of purchase free gift value will not be deducted.
You will be given a Gift Voucher with unique number for this exchange value which remains valid for 12 months and can be used for future purchases from C. Krishniah Chetty Jewellers. Please note that this voucher cannot be exchanged for cash
We offer the Lifetime Exchange Policy on orders within India only in Indian currency only.
C. Krishniah Chetty Jewelers at times offer exceptional gemstones of high value. Such expensive rare high value gemstone/goods will be exchanged or offered for buyback on a case to case basis and may not fall under the general lifetime exchange/buyback policy.
C. Krishniah Chetty Jewelers is 150 years old company. Hence the great deal of merchandise has been sold over the decades. Hence our buyback policies will be based on the exact nature of the products. Please contact us by email Ecomm@ckcjewellers.com along with photographs and any description of the product that you can provide we will give you our buyback price. If we wish to physically view the products we will intimate you accordingly. Generally speaking for products of 1 - 5 years old will be valued for buyback based on current prices of similar quality/grade/purity, condition less a purchase commission. Older products will need independent assessment product by product.
Need help? Think we could have done something better?
We are listening and happy to do what we can to improve. Please let us know by email to Ecomm@ckcjewellers.com & elt@ckcjewellers.com
C. Krishniah Chetty Jewellers offers a Lifetime Exchange Policy for general products.
C. Krishniah Chetty Jewelers is 150 years old company. Hence the great deal of merchandise has been sold/exchanged/bought back over the decades. We offer a Lifetime Exchange/Upgrade Policy on all gold, platinum, diamonds & silver purchases made from C. Krishniah Chetty Jewellers, within India. If the product, along with diamonds and gemstones, if any, is intact, you may return it for the current value of gold, platinum, diamonds & silver. There is no value given for gemstones in normal course. This means your product's current value of gold, diamonds, silver, platinum will be determined based on product specifications and the current selling price of similar goods/quality grades/purities at C. Krishniah Chetty Jewellers. Essentially you will receive the same value for the goods as if you would buy on the date of your exchange for the value of gold, silver, platinum and diamonds. Labour or making charges, other gemstones, other materials used if any, wastage charges, taxes, duties, packing shipping & forwarding costs if paid separately will not be accounted for in exchange value. Note: If you had received a discount or a free gift while making your purchase, we will deduct the original discount amount or free gift value, whichever applicable, if the exchange is within 365 days from the date of purchase. If the exchange is over 365 days from the date of purchase free gift value will not be deducted.
You will be given a Gift Voucher with unique number for this exchange value which remains valid for 12 months and can be used for future purchases from C. Krishniah Chetty Jewellers. Please note that this voucher cannot be exchanged for cash
We offer the Lifetime Exchange Policy on orders within India only in Indian currency only.
C. Krishniah Chetty Jewelers at times offer exceptional gemstones of high value. Such expensive rare high value gemstone/goods will be exchanged or offered for buyback on a case to case basis and may not fall under the general lifetime exchange/buyback policy.
C. Krishniah Chetty Jewelers is 150 years old company. Hence the great deal of merchandise has been sold over the decades. Hence our buyback policies will be based on the exact nature of the products. Please contact us by email Ecomm@ckcjewellers.com along with photographs and any description of the product that you can provide we will give you our buyback price. If we wish to physically view the products we will intimate you accordingly. Generally speaking for products of 1 - 5 years old will be valued for buyback based on current prices of similar quality/grade/purity, condition less a purchase commission. Older products will need independent assessment product by product.
At C. Krishniah Chetty Group of Jewellers, accurate representation is taken seriously. Every diamond below 0.228 in carat weight is guaranteed to be either DEF IF-VVS or GH VVS or HI VS Grades as will be depicted against each item on the website. Diamonds over 0.228 in carat weight will be accompanied with individual diamond reports issued by the House of CKC and in addition may have additional independent reports from ethical & internationally well reputed laboratories. Such reports are detailed reports based on 14 different parameters of diamond, including the 4Cs that are basic to diamonds : cut, color, clarity and carat weight.
In addition to CKC's internal high standards of DIAMOND EYE DETECTION SYSTEM (DEDS), which is an elaborate system to assure each client of ethically mined, natural diamonds, upholding the Kimberely Process Certification System, and CKC's own proprietary system of over 30 checks.