1. This is an 11-month scheme, and it will be completed 15 days after the 11th installment is paid. You can then receive jewellery equivalent to your saved amount.
2. You can choose installment amounts from ₹1,000, ₹2,000, ₹3,000, ₹4,000, ₹5,000, ₹10,000, ₹25,000, ₹50,000, and ₹1,00,000.
3. Registration Requirements: You must provide ID proof and address proof at the time of joining. When collecting jewellery, your signature must match the registered documents.
4. An OTP verification will be sent to your registered mobile number at the time of delivery.
5. Installment Payments:
   
   • Pay your installment before the 10th of every month.
   • Check entries in your passbook and ensure regular payments.
   • Missed installments cannot be paid later, and the scheme will not continue beyond the maturity date.
   • If you miss payments for three consecutive months, your membership will be considered canceled.
6. No payments will be accepted after the maturity date. Ensure you keep receipts for each transaction.
7. No cash refunds will be provided under any circumstances. Payments can be made via cash, cheque, pay order, demand draft, NEFT, or through the NAJ Jewellery App.
8. Payment Limits & Documentation:
   
   • If a single installment exceeds ₹2 lakhs, payment must be made via cheque, NEFT, or card.
   • If the total maturity amount exceeds ₹2 lakhs, a PAN card copy is required.
9. Cheque Payments: Installments paid by cheque will be credited only after clearance. The back of the cheque must have the membership number, mobile number, and group code.
10. Purpose of the Scheme: This scheme is intended only for promoting gold purchases and not for investments such as chit funds or Nidhi schemes.
11. No Notifications: Members will not receive reminders for monthly payments.
12. Passbook Requirement: The passbook is mandatory when redeeming jewellery after completing the scheme.
13. Scheme Transfer: This scheme cannot be transferred to another person under any circumstances.
14. Exiting the Scheme Early:
    
    • If a member wishes to exit before completion, the saved amount can be used to purchase jewellery only.
    • Any gifts issued at the time of joining must be returned.
15. Purchasing Jewellery & Additional Costs:
    
    • If the jewellery purchased costs less than the accumulated gold value, the remaining amount must be used to buy additional jewellery.
    • Wastage, making charges, stone costs, and GST apply as usual.
    • Some special collections will have additional wastage charges, which must be borne by the customer.
16. Deadline for Jewellery Purchase: Members must purchase jewellery within 345 days of scheme completion. If the purchase is not made within this period, NAJ Jewellery will refund the amount via cheque, but no additional benefits will be provided.
17. Address & Contact Information Updates: If a member changes address or phone number, they must inform the management immediately.
18. Legal Jurisdiction: All disputes will be handled under the jurisdiction of competent courts in Nellore city.

This scheme offers a structured way to save and purchase jewellery hassle-free, ensuring maximum benefits on wastage, making charges, and discounts. Start your gold savings journey today!