Celebrate May with Mystical Elegance of Emerald
Diamond Bangles In Pinji Pattern
TRY AT HOME | TRY AT SHOWROOM | SHARE ON
TRY AT HOME | TRY AT SHOWROOM | SHARE ON
Embrace timeless elegance with our Traditional Gold Diamond Bangles, featuring a close setting that highlights the brilliance of each diamond. These bangles are the epitome of sophistication, perfect for any occasion and a stunning addition to your jewelry collection.
Purity/Metal Name 22 kt Gold 916
STONE NAME | No. OF PIECES | ORIGIN | APPEARANCE | SHAPE | WEIGHT | CUT | CLARITY | COLOR | |
---|---|---|---|---|---|---|---|---|---|
DEF/IF-VVS RB Melees 0.089-0.138 | 130 | 13.13 CTS |
Do you Buy Diamonds from other jewellers.
UNIQUE
BENEFIT
·
Book
Gold, Silver, Diamond and Platinum rates as you pay your instalments. Coins,
Bullion exempted.
·
Buy
at “averaged” rates.
·
Facility
to switch over to cash benefit and buy at current rates at the time of
maturity.
ELIGIBILITY
AND INHERITANCE
Any
individual (18 years and above) / Company / Sole Proprietorship / Partnership
Firm. Minors may also be enrolled through his / her guardians/ nominees.
Persons may also nominate another individual who may utilise the gold / diamond
/ silver / platinum at credit or continue the savings plan or utilise 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 utilise the quantity available in
his/her/their account.
MISSED
PAYMENTS DO NOT EXTEND YOUR MATURITY.
DATES OF
SUBSEQUENT INSTALLMENTS, PAYMENTS, DEFAULTS & BENEFITS
Your payment
is due every month on the same date of starting of your plan. You are however
allowed up to 7 calendar days delay in making subsequent payments. In case you
fail to make your payment within 7 calendar days of your due date, the payment
will be accepted only as late payment, and no additional benefit (cash or metal
quantity weight) will not accrue to such late payments. Further the additional
discount voucher also will not be issued for irregular payments. You are
therefore advised to make payments on time, in order to derive benefits.
However, all instalments must be paid before closer of plan.
Note: In
case you send the payment by mail/courier ensure to write your name and
membership number behind the instruments/cheques/DD’s. Postal & courier
delays will not be the responsibility of C. Krishniah Chetty Group of
Jewellers. Staple your Cheques/DDs to your covering letters.
Important
Note:
Amount per
instalment may be increased at any time in subsequent instalments.
MODE OF
PAYMENT & OBTAINING RECEIPTS
Pay by
Post-Dated Cheques, Cash, Credit Card, on-line using your Credit Card or Debit
Card. Payments can be made by Cash, Post-dated cheques, Online, Demand Draft or
Credit Card. Cheques are also accepted by the Company subject to realisation.
You may also make part or all instalments by Post-dated cheques, given to the
Company in advance. Cheques and Demand Drafts should be drawn in favour of “C.
Krishniah Chetty & Sons (P) Ltd. for the Gold Standard 1869” or “C.
Krishniah Chetty Jewellers (P) Ltd. for The Gold Advantage Advance Purchase
Plan” you will receive receipts for all payments made at the time of making the
payments. Post-dated cheques ensure your payments are not delayed.
Note: For Post-Dated Cheques the rate
applied will be on the due date, irrespective of date of cheque provided the
cheque date is within 7 days due date of instalment.
Please Note:
As per Reserve Bank guidelines OTP generates while making payment through
cards. Please keep the OTP ready before making payment.
TRANSACTION
TIMINGS
On
completion of all instalments, you are free to utilise the quantities at credit
in your account and accrued to buy from the entire range of jewellery,
silverware, diamond and platinum jewellery available at our showrooms during
the regular working hours. Except Coins and Bullions. You are advised to start
shopping at least 30 minutes before closing time. Timings will be strictly
followed by the Company. Each of our showrooms may have certain products only.
TOTAL
VALUE OF THE TRANSACTION ON MATURITY
Where the
value of the item chosen by you exceeds the amount or quantity at your credit
then this balance must be paid by you in cash or credit card and rates will be
as per C. Krishniah Chetty Group of Jewellers normal terms of business. It is
however to be noted that the value of the items chosen by you shall not be less
than the amount or quantity at your credit. No cash will be returned. You may
however keep the amount in your account and use the same at future date, if you
please. Separate receipts/credit notes will be issued in such cases.
(Coins/bullion bars may not be purchased using your averaged rate benefit under
the plan.)
Note: All
monies must be used within 365 days from start of plan.
All
jewellery sold at normal prices. Gemstones, labour, manufacturing losses,
taxes, etc., payable extra.
CUSTOM
ORDERS
In the event
you desire to place special custom orders for any particular items you may do
so, subject to the possibility of manufacturing of the item and the time
consumed for such manufacture and such process. Orders will be billed and
delivered only after maturity of the instalment under the plan.
BARTER
Bartering gold / silver / diamonds / platinum is possible as per C. Krishniah Chetty Group of Jewellers normal terms of business.
CUSTOM
ORDERS - RATES
Custom
orders may be placed prior to maturity date in anticipation of maturity values
and dates. Rates for order billed before maturity date will be as per C.
Krishniah Chetty Group of Jewellers normal order rates and not The Gold
Standard 1869™ or The Gold Advantage Advance Purchase Plan™ rates.
{All other
Terms and Conditions as applicable to all orders will apply to The Gold
Standard 1869™and The Gold Advantage Advance Purchase Plan™ (GAAP) members}.
IMPORTANCE
OF IDENTITY CARD AND RECEIPTS
Please note
that the amounts at your credit can be availed by the member only on production
of your Identity Card after successful enrolment and all receipts issued to you
during the plan period. You are strongly advised to bring your Identity card
and fill the “Enrolment Form” and subsequent “Instalment Payment Form” every
time you make a deposit to ensure that your amount is accurately credited.
Note :
In case you
send the payment by mail/courier ensure to write your name and membership
number behind the instruments/cheques/DD’s. Postal & courier delays will
not be the responsibility of C. Krishniah Chetty Group of Jewellers.
Staple your
Cheques/DDs to your covering letters.
TAXES AND
OTHER LEVIES
All taxes,
surcharges and levies as at the time of sale (or at the time of delivery in
case of orders) will be applicable.
ENCASHMENT
DATE
You become
eligible to take delivery of an order or purchase jewellery or silverware only
on the completion of one calendar month after the date of all payments, i.e. on
maturity only.
CANCELLATION
/ REFUND POLICY:
Premature
withdrawal from the plan or stopping of further instalments before completion
of the plan will not be entitled for any additional benefit under the plan.
Amounts paid until such date can be offset with purchase of jewellery or order.
No cash will
be refunded in any event.
You give to
the company an indemnity that in the event your receipts are LOST, the company
shall not be held responsible.
You are
requested to inform the company in writing immediately on the loss of your
Identity Card and or receipts. You may be required to preserve your receipts
separately from your Identity Cards. A duplicate card will be issued by the
company at a cost of Rs.50/-
C. Krishniah
Chetty Group of Jewellers can block encashment on written request.
GENERAL
GUIDELINES
·
Reminders
may be given by a Telephone Call / SMS / Emails, where cell numbers / Email
addresses are furnished. This is a service and failure to receive such
intimation shall not be a reason for delayed payment.
·
Reminders
may be sent 7 days before due date. Non-receipt of reminders shall not be
reason for delayed payments.
·
C.
Krishniah Chetty Group of Jewellers reserves the right to alter, amend, add or
delete part or whole of the terms, conditions and privileges of the plan
without prior notice. Subject to rules and regulations and laws in operation in
India from time to time.
·
The
decision of the Management of C. Krishniah Chetty Group of Jewellers shall be
final and binding on all participants of this plan with regard to any of the
matters relating to the plan.
·
C.
Krishniah Chetty Group of Jewellers is the sponsor of the plan and reserves the
right to suspend / cancel / amend the plan at any time. In such an event you
may purchase any item for sale in the showroom equal to the value of money
accumulated as on that date.
·
You
may club amounts or weights from multiple plans to purchase an ornament.
(Provided the plans are enrolled in same name) The amounts may be used to buy
gemstones and gift articles too.
·
Get
additional “Birthday Gift Benefit” on your Birthday! Additional benefits are
automatically applied to the instalment paid during the month of your Birthday!
Enjoy higher benefit on higher instalment amount paid on your special day!
·
Only
one active promotion can be redeemed per transaction, in addition to cash or
quantity benefits, if applicable.
·
Cash
or Quantity benefit between 9% to 12% per annum rates are subject to change.
Benefits remain unchanged as at the time of enrolment.
·
NEW!
New enrolment can be done for 3,6,9 and 11 Months plan or Onetime payment also
can be done.
·
NEW!
Plan extension is allowed from 3 to 6, 9 up to 11 months, Onetime payment plan
extension is not allowed.
·
NEW!
Instalments can be paid through a payment link sent via WhatsApp to your
registered mobile number. Plan extensions can also be done online or through
the same WhatsApp payment link.
·
NEW!
Delayed Payments do not get benefits or rate blocking facility. Amounts will be
available for use as paid.
·
NEW!
All instalments must be paid before utilisation of monies to get benefits on
maturity.
·
There
are no prizes or draws related to The Gold Standard 1869™ (GSTD) or The Gold
Advantage Advance Purchase Plan (GAAP) The Rate Protection Plan™.
·
Please
do not divulge your Login/Password at any time for on-line transaction.
·
We
will not ask for your login id and password at any time.
·
Average
Rates will not apply to diamond, solitaires- however cash purchase may be
availed.
·
Disputes,
if any, are subject to the jurisdiction of the courts in Bengaluru.
LIVE CASE EXAMPLES*
% OF GAIN IN QUANTITY OF GOLD JEWELLERY
PURCHASED OVER THE LAST 11 MONTH PERIOD
LIVE CASE EXAMPLES
YEAR 2024*
% 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
the last 11 months period |
||||||
Instalment month |
Instalment Amount |
Birthday benefit 12%Yearly for the Birthday Month |
Qty Additional Benefit @10% per annum |
Gold Rate 22 Kt per gram applied at |
Accrued |
Cash Benefit 10% Yearly |
Gold Wt credited with Birthday Benefit |
||||||
Jan-24 |
20,000 |
|
1,833.33 |
5,820 |
3.751 |
1,833.33 |
Feb-24 |
20,000 |
|
1,666.67 |
5,800 |
3.736 |
1,666.67 |
Mar-24 |
20,000 |
|
1,500 |
6,034.99 |
3.563 |
1,500 |
Apr-24 |
20,000 |
|
1,333.33 |
6,446.01 |
3.31 |
1,333.33 |
May-24 |
20,000 |
|
1,166.67 |
6,642.01 |
3.187 |
1,166.67 |
Jun-24 |
20,000 |
|
1,000 |
6,790 |
3.093 |
1,000 |
Jul-24 |
20,000 |
|
833.33 |
6,766 |
3.079 |
833.33 |
Aug-24 |
20,000 |
|
666.67 |
6,340 |
3.26 |
666.67 |
Sep-24 |
20,000 |
|
500 |
6,715.01 |
3.053 |
500 |
Oct-24 |
20,000 |
200 |
533.33 |
7,089.89 |
2.896 |
533.33 |
Nov-24 |
20,000 |
|
166.67 |
7,355 |
2.742 |
166.67 |
Total |
Rs.2,20,000 |
|
Rs.11,200 |
|
35.670 Grams |
Rs.11,200 |
Settled on normal gold rate per gram (Rs) |
Rs. 7,425 |
Weighted average rate applied |
Rs. 6,167.65 |
Under weighted avgerge rate benefit |
Rs. 42,850 |
Under cash benefit |
Rs. 11,200 |
For all on time instalment 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.
EXAMPLE :
Year |
Pair of Bangles |
Normal Price Gold 22kt Rate
Per Gram ? |
Rate Protection Plan Average
Rate ? |
Rate Protection Plan Price ? |
Savings ? |
|
|
||
Gross Weight (Gram) |
Net Weight (Gram) |
|
|||||||
2024 |
41.75 |
41.01 |
7,130.00 |
6,618.77 |
3,34,860 |
21,000 |
|||
2023 |
41.75 |
41.01 |
5140.01 |
4,491.81 |
2,48,030 |
16,350 |
|||
2022 |
41.75 |
41.01 |
4,490.99 |
4,204.57 |
2,26,220 |
7,220 |
|||
2021 |
41.75 |
41.01 |
4,425.91 |
4,399.91 |
2,24,590 |
5,750 |
|||
2020 |
41.75 |
41.01 |
3,822.01 |
3,022.88 |
1,81,390 |
20,160 |
Past 5 years " Average Rate" Gold
Rate Per Gram |
||
Year |
Month |
11 Months Average rate Per Gram (Rs) |
2020 |
Feb-Dec |
4399.91 |
2021 |
Feb-Dec |
4204.57 |
2022 |
Feb-Dec |
4722.72 |
2023 |
Feb-Dec |
4491.81 |
2024 |
Feb-Dec |
6618.27 |
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.
Below remains same.
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/- |
1,875/- |
12 lakhs |
1,00,000/- |
45,000/- |
3,750/- |
24 lakhs |
2,00,000/- |
90,000/- |
7,500/- |
36 lakhs |
3,00,000/- |
1,35,000/- |
11,250/- |
60 lakhs |
5,00,000/- |
4,50,000/- |
37,500/- |
1.2 crore |
10,00,000/- |
9,00,000/- |
75,000/- |
1.8 crore |
15,00,000/- |
13,50,000/- |
1,12,500/- |
2.4 crore |
20,00,000/- |
18,00,000/- |
1,50,000/- |
ONE MONTH FREE OR
AVERAGE RATE BENEFIT?
SEE THE REAL ADVANTAGE!
Authentic Client Ref: Mrs. Ramesh
Rate Protection Membership No. ***7108
Enrolled on 07.01.2024
Redeemed on 14.12.2024
Product: Gold Chain
Accumulated amount: Rs 1,10,000
Average monthly investment: Rs 10,000
Benefit on average rate: Rs 996.12/- per
gramme
Benefit on gold rate & Rate
Protection Plan additional 10%* benefit: 17.904gm @ Rs 996.12 = Rs 17834.53.
Fact: Benefit on gold rate only:
11565.08 its more than one month instalment (Rs 10,000/-)
Additional 10% benefit: Rs. 6339/-
Finally, C. Krishniah Chetty’s Signature
Rate Protection Plan gives you Rs 11,565.08 plus Rs 6,339 = Rs 17,904/- more
than any other savings plan in market which gives only one month bonus.
*Note: *Cash or
quantity benefit between 9% to 12% per annum rates are subject to change as
applicable at time of enrolment. Benefits remain unchanged as at the time of
enrolment for all on-time instalment payments.
Disclaimer – Past
record is no 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.