Golden Tree

Detailed Terms and Conditions

1. Account Opening & Enrollment

1.     Golden Tree Scheme can be enrolled by individuals only and enrollment is not permissible for companies, partnership or proprietorship firms. On enrollment, every GTS Account Holder will be given deposit receipt which he/she is required to carry and keep under safe custody, at all times. The GTS Account Holder(s) should ensure that all payments made by them are correctly entered in the deposit receipts and any discrepancy should be immediately brought to the respective showroom managers for suitable rectification.

2.     On successful completion of all the monthly installments, Ratnalaya jewelers will provide a closing certificate that entitles the account holder for the benefit of the scheme. This certificate is the only document to identity the GTS Account Holder ie the bearer of the certificate will be deemed as the owner of the same for the purpose of utilization of advance paid under TS and hence the certificate has to be signed and retained safely by Account Holder.

3.     In case of any change in contact or Address details, the GTS Account Holder is required to intimate the showroom within 7(seven) days from of such change which may be operated or implemented by Ratnalaya, from time to time.

4.     The maturity date shall be strictly calculated according to the first payment date and the type of scheme selected by the GTS Account Holder at the time of his/her enrollment

5.     Gold and silver coins cannot be purchased under this scheme. Registering and joining the scheme by a customer would imply placement of an order for jewellery by the customer

2. Monthly Advance Payments

1.     At The Time of every monthly installment payment, the golden tree account holder should collect his/her duly computerized receipt, from our store.

2.     Payment of monthly installments) should be made by cash, card, cheque, DD in favour of Ratnalaya Jewellers Payable at our store.

3.     The monthly payments should reach the Ratnalaya showroom not later than 3 days from the enrollment date, which shall be the due date every month. Payments reaching beyond this date will be treated as default for that particular month and may result in lower discount, at the time of purchase.

4.     Penalty of Rs.200/-per cheque dishonored by GTS Account Holder will be deductible in the invoice, at the time of purchase of jewellery

5.     GTS Account Holder Shall be eligible for purchase of jewellery with discount, only on the maturity date as per the scheme

6.     Non-payment of monthly advance/ installments for more than 6 months will result in suspension of GTS account and Re-activation for payment will take up to 3 working days from the date of request in writing with ID proof submitted by the GTS Account Holder.

3. GHS Utilization/Purchase on Maturity date:

1.     At the time of utilization/purchase on maturity of the scheme, the GTS Account Holder has to personally come with his/her closing certificate and deposit receipts and effect the utilization of his/her TS Advances by way of jewellery purchase. Original copy of the photo ID proof should be produced at the time of utilization for authentication, by the GTS Account Holder.

2.     In addition of the gold and stone charges, all jewellery purchased under the GTS will be subject to usual making charges and value added tax as may be applicable

3.     Discount eligibility of GTS Account Holder as per scheme shall be reduced by late payment charges/cheque dishonour charges & other deduction on account of payment delays, as specified in the scheme, at the time of purchase.

4.     In case of partial utilization of the GTS account towards purchase of jewellery, the eligible discount calculated by the showroom shall be fully given in the first purchase Itself and GTS Account Holder will not be entitled for any further discounts under the scheme for utilization of the balance towards subsequent purchases.

5.     In the event of any premature closure of the GTS account by the GTS Account Holder, such GTS Account Holder may purchase jewellery at the Ratnalaya Showroom equal to the value of the advance accumulated in his/her GTS account as on that day. However, no discount on purchases of jewellery will be given in case of premature closure of the GTS account under any circumstances.

6.     The GTS account holder has to pay 10 monthly ,installments and his/her maturity would start after 331 days from the date of joining the scheme. The account holder is mandatorily required to redden his/her account before 390 days from the date of first installment.

4. Other Terms and conditions:

1.     In the event of loss of GTS deposit vouchers/Golden Tree closing certificate, the GTS Account Holder has to intimate the concerned showroom immediately in writing, to enable Ratnalaya Jewellers to block the GTS account. In case of any delay or non-intimation, he/she shall be personally responsible for any loss or utilization/purchase by any other person.

2.     In the event of loss of the original Golden Tree Closing certificate, a duplicate certificate can be issued only if the GTS Account Holder provides an indemnity letter and valid photo ID and Address proofs, for authentication by the Ratnalaya showroom. The Ratnalaya Jewellers shall not issue any duplicate closing certificate Unless they are satisfied about the authenticity of the claim and request for duplicate certificate and only if the account holder produces all computerized receipts given to him, in the past in all cases.

3.     Ratnalaya Jewellers Reserves the right to after, amend add or delete part or whole of the privileges of the scheme without prior notice to the GTS Account Holder.

4.     Ratnalaya Jewellers Is the sponsor of the scheme and reserves the right to suspend the scheme at any time. In any such event, the GTS Account Holder may Purchase any item at our store equal to the value of the advance accumulated in his/her GTS account, as on that day.

5.     Any conditions which are explicitly not covered above would be at discretion of Ratnalaya Jewellers at the time of transaction. The decision of the store in this regard would be deemed as irrevocable and final.

6.     In case of any change in existing laws, rules, acts, etc, by any regulatory authority, necessary requirements as per the same have to be complied by the GTS

7.     Account Holder

8.     Disputes if any will be subject to the courts in Patna jurisdiction only, to the exclusion of any other courts jurisdiction.

Detailed Terms and Conditions

1. Account Opening & Enrollment

1. Golden Tree Scheme can be enrolled by individuals only and enrollment is not permissible for companies, partnership or proprietorship firms. On enrollment, every GTS Account Holder will be given deposit receipt which he/she is required to carry and keep under safe custody, at all times. The GTS Account Holder(s) should ensure that all payments made by them are correctly entered in the deposit receipts and any discrepancy should be immediately brought to the respective showroom managers for suitable rectification.
2. On successful completion of all the monthly installments, Ratnalaya jewelers will provide a closing certificate that entitles the account holder for the benefit of the scheme. This certificate is the only document to identity the GTS Account Holder ie the bearer of the certificate will be deemed as the owner of the same for the purpose of utilization of advance paid under TS and hence the certificate has to be signed and retained safely by Account Holder.
3. In case of any change in contact or Address details, the GTS Account Holder is required to intimate the showroom within 7(seven) days from of such change which may be operated or implemented by Ratnalaya, from time to time.
4. The maturity date shall be strictly calculated according to the first payment date and the type of scheme selected by the GTS Account Holder at the time of his/her enrollment
5. Gold and silver coins cannot be purchased under this scheme. Registering and joining the scheme by a customer would imply placement of an order for jewellery by the customer

2. Monthly Advance Payments

1. At The Time of every monthly installment payment, the golden tree account holder should collect his/her duly computerized receipt, from our store.
2. Payment of monthly installments) should be made by cash, card, cheque, DD in favour of Ratnalaya Jewellers Payable at our store.
3. The monthly payments should reach the Ratnalaya showroom not later than 3 days from the enrollment date, which shall be the due date every month. Payments reaching beyond this date will be treated as default for that particular month and may result in lower discount, at the time of purchase.
4. Penalty of Rs.200/-per cheque dishonored by GTS Account Holder will be deductible in the invoice, at the time of purchase of jewellery
5. GTS Account Holder Shall be eligible for purchase of jewellery with discount, only on the maturity date as per the scheme
6. Non-payment of monthly advance/ installments for more than 6 months will result in suspension of GTS account and Re-activation for payment will take up to 3 working days from the date of request in writing with ID proof submitted by the GTS Account Holder.

3. GHS Utilization/Purchase on Maturity date:

1. At the time of utilization/purchase on maturity of the scheme, the GTS Account Holder has to personally come with his/her closing certificate and deposit receipts and effect the utilization of his/her TS Advances by way of jewellery purchase. Original copy of the photo ID proof should be produced at the time of utilization for authentication, by the GTS Account Holder.
2. In addition of the gold and stone charges, all jewellery purchased under the GTS will be subject to usual making charges and value added tax as may be applicable
3. Discount eligibility of GTS Account Holder as per scheme shall be reduced by late payment charges/cheque dishonour charges & other deduction on account of payment delays, as specified in the scheme, at the time of purchase.
4. In case of partial utilization of the GTS account towards purchase of jewellery, the eligible discount calculated by the showroom shall be fully given in the first purchase Itself and GTS Account Holder will not be entitled for any further discounts under the scheme for utilization of the balance towards subsequent purchases.
5. In the event of any premature closure of the GTS account by the GTS Account Holder, such GTS Account Holder may purchase jewellery at the Ratnalaya Showroom equal to the value of the advance accumulated in his/her GTS account as on that day. However, no discount on purchases of jewellery will be given in case of premature closure of the GTS account under any circumstances.
6. The GTS account holder has to pay 10 monthly ,installments and his/her maturity would start after 331 days from the date of joining the scheme. The account holder is mandatorily required to redden his/her account before 390 days from the date of first installment.

4. Other Terms and conditions:

1. In the event of loss of GTS deposit vouchers/Golden Tree closing certificate, the GTS Account Holder has to intimate the concerned showroom immediately in writing, to enable Ratnalaya Jewellers to block the GTS account. In case of any delay or non-intimation, he/she shall be personally responsible for any loss or utilization/purchase by any other person.
2. In the event of loss of the original Golden Tree Closing certificate, a duplicate certificate can be issued only if the GTS Account Holder provides an indemnity letter and valid photo ID and Address proofs, for authentication by the Ratnalaya showroom. The Ratnalaya Jewellers shall not issue any duplicate closing certificate Unless they are satisfied about the authenticity of the claim and request for duplicate certificate and only if the account holder produces all computerized receipts given to him, in the past in all cases.
3. Ratnalaya Jewellers Reserves the right to after, amend add or delete part or whole of the privileges of the scheme without prior notice to the GTS Account Holder.
4. Ratnalaya Jewellers Is the sponsor of the scheme and reserves the right to suspend the scheme at any time. In any such event, the GTS Account Holder may Purchase any item at our store equal to the value of the advance accumulated in his/her GTS account, as on that day.
5. Any conditions which are explicitly not covered above would be at discretion of Ratnalaya Jewellers at the time of transaction. The decision of the store in this regard would be deemed as irrevocable and final.
6. In case of any change in existing laws, rules, acts, etc, by any regulatory authority, necessary requirements as per the same have to be complied by the GTS
7. Account Holder
8. Disputes if any will be subject to the courts in Patna jurisdiction only, to the exclusion of any other courts jurisdiction.

Detailed Terms and Conditions

1. Account Opening & Enrollment

1.     Golden Tree Scheme can be enrolled by individuals only and enrollment is not permissible for companies, partnership or proprietorship firms. On enrollment, every GTS Account Holder will be given deposit receipt which he/she is required to carry and keep under safe custody, at all times. The GTS Account Holder(s) should ensure that all payments made by them are correctly entered in the deposit receipts and any discrepancy should be immediately brought to the respective showroom managers for suitable rectification.

2.     On successful completion of all the monthly installments, Ratnalaya jewelers will provide a closing certificate that entitles the account holder for the benefit of the scheme. This certificate is the only document to identity the GTS Account Holder ie the bearer of the certificate will be deemed as the owner of the same for the purpose of utilization of advance paid under TS and hence the certificate has to be signed and retained safely by Account Holder.

3.     In case of any change in contact or Address details, the GTS Account Holder is required to intimate the showroom within 7(seven) days from of such change which may be operated or implemented by Ratnalaya, from time to time.

4.     The maturity date shall be strictly calculated according to the first payment date and the type of scheme selected by the GTS Account Holder at the time of his/her enrollment

5.     Gold and silver coins cannot be purchased under this scheme. Registering and joining the scheme by a customer would imply placement of an order for jewellery by the customer

2. Monthly Advance Payments

1.     At The Time of every monthly installment payment, the golden tree account holder should collect his/her duly computerized receipt, from our store.

2.     Payment of monthly installments) should be made by cash, card, cheque, DD in favour of Ratnalaya Jewellers Payable at our store.

3.     The monthly payments should reach the Ratnalaya showroom not later than 3 days from the enrollment date, which shall be the due date every month. Payments reaching beyond this date will be treated as default for that particular month and may result in lower discount, at the time of purchase.

4.     Penalty of Rs.200/-per cheque dishonored by GTS Account Holder will be deductible in the invoice, at the time of purchase of jewellery

5.     GTS Account Holder Shall be eligible for purchase of jewellery with discount, only on the maturity date as per the scheme

6.     Non-payment of monthly advance/ installments for more than 6 months will result in suspension of GTS account and Re-activation for payment will take up to 3 working days from the date of request in writing with ID proof submitted by the GTS Account Holder.

3. GHS Utilization/Purchase on Maturity date:

1.     At the time of utilization/purchase on maturity of the scheme, the GTS Account Holder has to personally come with his/her closing certificate and deposit receipts and effect the utilization of his/her TS Advances by way of jewellery purchase. Original copy of the photo ID proof should be produced at the time of utilization for authentication, by the GTS Account Holder.

2.     In addition of the gold and stone charges, all jewellery purchased under the GTS will be subject to usual making charges and value added tax as may be applicable

3.     Discount eligibility of GTS Account Holder as per scheme shall be reduced by late payment charges/cheque dishonour charges & other deduction on account of payment delays, as specified in the scheme, at the time of purchase.

4.     In case of partial utilization of the GTS account towards purchase of jewellery, the eligible discount calculated by the showroom shall be fully given in the first purchase Itself and GTS Account Holder will not be entitled for any further discounts under the scheme for utilization of the balance towards subsequent purchases.

5.     In the event of any premature closure of the GTS account by the GTS Account Holder, such GTS Account Holder may purchase jewellery at the Ratnalaya Showroom equal to the value of the advance accumulated in his/her GTS account as on that day. However, no discount on purchases of jewellery will be given in case of premature closure of the GTS account under any circumstances.

6.     The GTS account holder has to pay 10 monthly ,installments and his/her maturity would start after 331 days from the date of joining the scheme. The account holder is mandatorily required to redden his/her account before 390 days from the date of first installment.

4. Other Terms and conditions:

1.     In the event of loss of GTS deposit vouchers/Golden Tree closing certificate, the GTS Account Holder has to intimate the concerned showroom immediately in writing, to enable Ratnalaya Jewellers to block the GTS account. In case of any delay or non-intimation, he/she shall be personally responsible for any loss or utilization/purchase by any other person.

2.     In the event of loss of the original Golden Tree Closing certificate, a duplicate certificate can be issued only if the GTS Account Holder provides an indemnity letter and valid photo ID and Address proofs, for authentication by the Ratnalaya showroom. The Ratnalaya Jewellers shall not issue any duplicate closing certificate Unless they are satisfied about the authenticity of the claim and request for duplicate certificate and only if the account holder produces all computerized receipts given to him, in the past in all cases.

3.     Ratnalaya Jewellers Reserves the right to after, amend add or delete part or whole of the privileges of the scheme without prior notice to the GTS Account Holder.

4.     Ratnalaya Jewellers Is the sponsor of the scheme and reserves the right to suspend the scheme at any time. In any such event, the GTS Account Holder may Purchase any item at our store equal to the value of the advance accumulated in his/her GTS account, as on that day.

5.     Any conditions which are explicitly not covered above would be at discretion of Ratnalaya Jewellers at the time of transaction. The decision of the store in this regard would be deemed as irrevocable and final.

6.     In case of any change in existing laws, rules, acts, etc, by any regulatory authority, necessary requirements as per the same have to be complied by the GTS

7.     Account Holder

8.     Disputes if any will be subject to the courts in Patna jurisdiction only, to the exclusion of any other courts jurisdiction.

Detailed Terms and Conditions

1. Account Opening & Enrollment

1.     Golden Tree Scheme can be enrolled by individuals only and enrollment is not permissible for companies, partnership or proprietorship firms. On enrollment, every GTS Account Holder will be given deposit receipt which he/she is required to carry and keep under safe custody, at all times. The GTS Account Holder(s) should ensure that all payments made by them are correctly entered in the deposit receipts and any discrepancy should be immediately brought to the respective showroom managers for suitable rectification.

2.     On successful completion of all the monthly installments, Ratnalaya jewelers will provide a closing certificate that entitles the account holder for the benefit of the scheme. This certificate is the only document to identity the GTS Account Holder ie the bearer of the certificate will be deemed as the owner of the same for the purpose of utilization of advance paid under TS and hence the certificate has to be signed and retained safely by Account Holder.

3.     In case of any change in contact or Address details, the GTS Account Holder is required to intimate the showroom within 7(seven) days from of such change which may be operated or implemented by Ratnalaya, from time to time.

4.     The maturity date shall be strictly calculated according to the first payment date and the type of scheme selected by the GTS Account Holder at the time of his/her enrollment

5.     Gold and silver coins cannot be purchased under this scheme. Registering and joining the scheme by a customer would imply placement of an order for jewellery by the customer

2. Monthly Advance Payments

1.     At The Time of every monthly installment payment, the golden tree account holder should collect his/her duly computerized receipt, from our store.

2.     Payment of monthly installments) should be made by cash, card, cheque, DD in favour of Ratnalaya Jewellers Payable at our store.

3.     The monthly payments should reach the Ratnalaya showroom not later than 3 days from the enrollment date, which shall be the due date every month. Payments reaching beyond this date will be treated as default for that particular month and may result in lower discount, at the time of purchase.

4.     Penalty of Rs.200/-per cheque dishonored by GTS Account Holder will be deductible in the invoice, at the time of purchase of jewellery

5.     GTS Account Holder Shall be eligible for purchase of jewellery with discount, only on the maturity date as per the scheme

6.     Non-payment of monthly advance/ installments for more than 6 months will result in suspension of GTS account and Re-activation for payment will take up to 3 working days from the date of request in writing with ID proof submitted by the GTS Account Holder.

3. GHS Utilization/Purchase on Maturity date:

1.     At the time of utilization/purchase on maturity of the scheme, the GTS Account Holder has to personally come with his/her closing certificate and deposit receipts and effect the utilization of his/her TS Advances by way of jewellery purchase. Original copy of the photo ID proof should be produced at the time of utilization for authentication, by the GTS Account Holder.

2.     In addition of the gold and stone charges, all jewellery purchased under the GTS will be subject to usual making charges and value added tax as may be applicable

3.     Discount eligibility of GTS Account Holder as per scheme shall be reduced by late payment charges/cheque dishonour charges & other deduction on account of payment delays, as specified in the scheme, at the time of purchase.

4.     In case of partial utilization of the GTS account towards purchase of jewellery, the eligible discount calculated by the showroom shall be fully given in the first purchase Itself and GTS Account Holder will not be entitled for any further discounts under the scheme for utilization of the balance towards subsequent purchases.

5.     In the event of any premature closure of the GTS account by the GTS Account Holder, such GTS Account Holder may purchase jewellery at the Ratnalaya Showroom equal to the value of the advance accumulated in his/her GTS account as on that day. However, no discount on purchases of jewellery will be given in case of premature closure of the GTS account under any circumstances.

6.     The GTS account holder has to pay 10 monthly ,installments and his/her maturity would start after 331 days from the date of joining the scheme. The account holder is mandatorily required to redden his/her account before 390 days from the date of first installment.

4. Other Terms and conditions:

1.     In the event of loss of GTS deposit vouchers/Golden Tree closing certificate, the GTS Account Holder has to intimate the concerned showroom immediately in writing, to enable Ratnalaya Jewellers to block the GTS account. In case of any delay or non-intimation, he/she shall be personally responsible for any loss or utilization/purchase by any other person.

2.     In the event of loss of the original Golden Tree Closing certificate, a duplicate certificate can be issued only if the GTS Account Holder provides an indemnity letter and valid photo ID and Address proofs, for authentication by the Ratnalaya showroom. The Ratnalaya Jewellers shall not issue any duplicate closing certificate Unless they are satisfied about the authenticity of the claim and request for duplicate certificate and only if the account holder produces all computerized receipts given to him, in the past in all cases.

3.     Ratnalaya Jewellers Reserves the right to after, amend add or delete part or whole of the privileges of the scheme without prior notice to the GTS Account Holder.

4.     Ratnalaya Jewellers Is the sponsor of the scheme and reserves the right to suspend the scheme at any time. In any such event, the GTS Account Holder may Purchase any item at our store equal to the value of the advance accumulated in his/her GTS account, as on that day.

5.     Any conditions which are explicitly not covered above would be at discretion of Ratnalaya Jewellers at the time of transaction. The decision of the store in this regard would be deemed as irrevocable and final.

6.     In case of any change in existing laws, rules, acts, etc, by any regulatory authority, necessary requirements as per the same have to be complied by the GTS

7.     Account Holder

8.     Disputes if any will be subject to the courts in Patna jurisdiction only, to the exclusion of any other courts jurisdiction.

Detailed Terms and Conditions

1. Account Opening & Enrollment

1.     Golden Tree Scheme can be enrolled by individuals only and enrollment is not permissible for companies, partnership or proprietorship firms. On enrollment, every GTS Account Holder will be given deposit receipt which he/she is required to carry and keep under safe custody, at all times. The GTS Account Holder(s) should ensure that all payments made by them are correctly entered in the deposit receipts and any discrepancy should be immediately brought to the respective showroom managers for suitable rectification.

2.     On successful completion of all the monthly installments, Ratnalaya jewelers will provide a closing certificate that entitles the account holder for the benefit of the scheme. This certificate is the only document to identity the GTS Account Holder ie the bearer of the certificate will be deemed as the owner of the same for the purpose of utilization of advance paid under TS and hence the certificate has to be signed and retained safely by Account Holder.

3.     In case of any change in contact or Address details, the GTS Account Holder is required to intimate the showroom within 7(seven) days from of such change which may be operated or implemented by Ratnalaya, from time to time.

4.     The maturity date shall be strictly calculated according to the first payment date and the type of scheme selected by the GTS Account Holder at the time of his/her enrollment

5.     Gold and silver coins cannot be purchased under this scheme. Registering and joining the scheme by a customer would imply placement of an order for jewellery by the customer

2. Monthly Advance Payments

1.     At The Time of every monthly installment payment, the golden tree account holder should collect his/her duly computerized receipt, from our store.

2.     Payment of monthly installments) should be made by cash, card, cheque, DD in favour of Ratnalaya Jewellers Payable at our store.

3.     The monthly payments should reach the Ratnalaya showroom not later than 3 days from the enrollment date, which shall be the due date every month. Payments reaching beyond this date will be treated as default for that particular month and may result in lower discount, at the time of purchase.

4.     Penalty of Rs.200/-per cheque dishonored by GTS Account Holder will be deductible in the invoice, at the time of purchase of jewellery

5.     GTS Account Holder Shall be eligible for purchase of jewellery with discount, only on the maturity date as per the scheme

6.     Non-payment of monthly advance/ installments for more than 6 months will result in suspension of GTS account and Re-activation for payment will take up to 3 working days from the date of request in writing with ID proof submitted by the GTS Account Holder.

3. GHS Utilization/Purchase on Maturity date:

1.     At the time of utilization/purchase on maturity of the scheme, the GTS Account Holder has to personally come with his/her closing certificate and deposit receipts and effect the utilization of his/her TS Advances by way of jewellery purchase. Original copy of the photo ID proof should be produced at the time of utilization for authentication, by the GTS Account Holder.

2.     In addition of the gold and stone charges, all jewellery purchased under the GTS will be subject to usual making charges and value added tax as may be applicable

3.     Discount eligibility of GTS Account Holder as per scheme shall be reduced by late payment charges/cheque dishonour charges & other deduction on account of payment delays, as specified in the scheme, at the time of purchase.

4.     In case of partial utilization of the GTS account towards purchase of jewellery, the eligible discount calculated by the showroom shall be fully given in the first purchase Itself and GTS Account Holder will not be entitled for any further discounts under the scheme for utilization of the balance towards subsequent purchases.

5.     In the event of any premature closure of the GTS account by the GTS Account Holder, such GTS Account Holder may purchase jewellery at the Ratnalaya Showroom equal to the value of the advance accumulated in his/her GTS account as on that day. However, no discount on purchases of jewellery will be given in case of premature closure of the GTS account under any circumstances.

6.     The GTS account holder has to pay 10 monthly ,installments and his/her maturity would start after 331 days from the date of joining the scheme. The account holder is mandatorily required to redden his/her account before 390 days from the date of first installment.

4. Other Terms and conditions:

1.     In the event of loss of GTS deposit vouchers/Golden Tree closing certificate, the GTS Account Holder has to intimate the concerned showroom immediately in writing, to enable Ratnalaya Jewellers to block the GTS account. In case of any delay or non-intimation, he/she shall be personally responsible for any loss or utilization/purchase by any other person.

2.     In the event of loss of the original Golden Tree Closing certificate, a duplicate certificate can be issued only if the GTS Account Holder provides an indemnity letter and valid photo ID and Address proofs, for authentication by the Ratnalaya showroom. The Ratnalaya Jewellers shall not issue any duplicate closing certificate Unless they are satisfied about the authenticity of the claim and request for duplicate certificate and only if the account holder produces all computerized receipts given to him, in the past in all cases.

3.     Ratnalaya Jewellers Reserves the right to after, amend add or delete part or whole of the privileges of the scheme without prior notice to the GTS Account Holder.

4.     Ratnalaya Jewellers Is the sponsor of the scheme and reserves the right to suspend the scheme at any time. In any such event, the GTS Account Holder may Purchase any item at our store equal to the value of the advance accumulated in his/her GTS account, as on that day.

5.     Any conditions which are explicitly not covered above would be at discretion of Ratnalaya Jewellers at the time of transaction. The decision of the store in this regard would be deemed as irrevocable and final.

6.     In case of any change in existing laws, rules, acts, etc, by any regulatory authority, necessary requirements as per the same have to be complied by the GTS

7.     Account Holder

8.     Disputes if any will be subject to the courts in Patna jurisdiction only, to the exclusion of any other courts jurisdiction.

Detailed Terms and Conditions

1. Account Opening & Enrollment

1.     Golden Tree Scheme can be enrolled by individuals only and enrollment is not permissible for companies, partnership or proprietorship firms. On enrollment, every GTS Account Holder will be given deposit receipt which he/she is required to carry and keep under safe custody, at all times. The GTS Account Holder(s) should ensure that all payments made by them are correctly entered in the deposit receipts and any discrepancy should be immediately brought to the respective showroom managers for suitable rectification.

2.     On successful completion of all the monthly installments, Ratnalaya jewelers will provide a closing certificate that entitles the account holder for the benefit of the scheme. This certificate is the only document to identity the GTS Account Holder ie the bearer of the certificate will be deemed as the owner of the same for the purpose of utilization of advance paid under TS and hence the certificate has to be signed and retained safely by Account Holder.

3.     In case of any change in contact or Address details, the GTS Account Holder is required to intimate the showroom within 7(seven) days from of such change which may be operated or implemented by Ratnalaya, from time to time.

4.     The maturity date shall be strictly calculated according to the first payment date and the type of scheme selected by the GTS Account Holder at the time of his/her enrollment

5.     Gold and silver coins cannot be purchased under this scheme. Registering and joining the scheme by a customer would imply placement of an order for jewellery by the customer

2. Monthly Advance Payments

1.     At The Time of every monthly installment payment, the golden tree account holder should collect his/her duly computerized receipt, from our store.

2.     Payment of monthly installments) should be made by cash, card, cheque, DD in favour of Ratnalaya Jewellers Payable at our store.

3.     The monthly payments should reach the Ratnalaya showroom not later than 3 days from the enrollment date, which shall be the due date every month. Payments reaching beyond this date will be treated as default for that particular month and may result in lower discount, at the time of purchase.

4.     Penalty of Rs.200/-per cheque dishonored by GTS Account Holder will be deductible in the invoice, at the time of purchase of jewellery

5.     GTS Account Holder Shall be eligible for purchase of jewellery with discount, only on the maturity date as per the scheme

6.     Non-payment of monthly advance/ installments for more than 6 months will result in suspension of GTS account and Re-activation for payment will take up to 3 working days from the date of request in writing with ID proof submitted by the GTS Account Holder.

3. GHS Utilization/Purchase on Maturity date:

1.     At the time of utilization/purchase on maturity of the scheme, the GTS Account Holder has to personally come with his/her closing certificate and deposit receipts and effect the utilization of his/her TS Advances by way of jewellery purchase. Original copy of the photo ID proof should be produced at the time of utilization for authentication, by the GTS Account Holder.

2.     In addition of the gold and stone charges, all jewellery purchased under the GTS will be subject to usual making charges and value added tax as may be applicable

3.     Discount eligibility of GTS Account Holder as per scheme shall be reduced by late payment charges/cheque dishonour charges & other deduction on account of payment delays, as specified in the scheme, at the time of purchase.

4.     In case of partial utilization of the GTS account towards purchase of jewellery, the eligible discount calculated by the showroom shall be fully given in the first purchase Itself and GTS Account Holder will not be entitled for any further discounts under the scheme for utilization of the balance towards subsequent purchases.

5.     In the event of any premature closure of the GTS account by the GTS Account Holder, such GTS Account Holder may purchase jewellery at the Ratnalaya Showroom equal to the value of the advance accumulated in his/her GTS account as on that day. However, no discount on purchases of jewellery will be given in case of premature closure of the GTS account under any circumstances.

6.     The GTS account holder has to pay 10 monthly ,installments and his/her maturity would start after 331 days from the date of joining the scheme. The account holder is mandatorily required to redden his/her account before 390 days from the date of first installment.

4. Other Terms and conditions:

1.     In the event of loss of GTS deposit vouchers/Golden Tree closing certificate, the GTS Account Holder has to intimate the concerned showroom immediately in writing, to enable Ratnalaya Jewellers to block the GTS account. In case of any delay or non-intimation, he/she shall be personally responsible for any loss or utilization/purchase by any other person.

2.     In the event of loss of the original Golden Tree Closing certificate, a duplicate certificate can be issued only if the GTS Account Holder provides an indemnity letter and valid photo ID and Address proofs, for authentication by the Ratnalaya showroom. The Ratnalaya Jewellers shall not issue any duplicate closing certificate Unless they are satisfied about the authenticity of the claim and request for duplicate certificate and only if the account holder produces all computerized receipts given to him, in the past in all cases.

3.     Ratnalaya Jewellers Reserves the right to after, amend add or delete part or whole of the privileges of the scheme without prior notice to the GTS Account Holder.

4.     Ratnalaya Jewellers Is the sponsor of the scheme and reserves the right to suspend the scheme at any time. In any such event, the GTS Account Holder may Purchase any item at our store equal to the value of the advance accumulated in his/her GTS account, as on that day.

5.     Any conditions which are explicitly not covered above would be at discretion of Ratnalaya Jewellers at the time of transaction. The decision of the store in this regard would be deemed as irrevocable and final.

6.     In case of any change in existing laws, rules, acts, etc, by any regulatory authority, necessary requirements as per the same have to be complied by the GTS

7.     Account Holder

8.     Disputes if any will be subject to the courts in Patna jurisdiction only, to the exclusion of any other courts jurisdiction.

Detailed Terms and Conditions

1. Account Opening & Enrollment

1.     Golden Tree Scheme can be enrolled by individuals only and enrollment is not permissible for companies, partnership or proprietorship firms. On enrollment, every GTS Account Holder will be given deposit receipt which he/she is required to carry and keep under safe custody, at all times. The GTS Account Holder(s) should ensure that all payments made by them are correctly entered in the deposit receipts and any discrepancy should be immediately brought to the respective showroom managers for suitable rectification.

2.     On successful completion of all the monthly installments, Ratnalaya jewelers will provide a closing certificate that entitles the account holder for the benefit of the scheme. This certificate is the only document to identity the GTS Account Holder ie the bearer of the certificate will be deemed as the owner of the same for the purpose of utilization of advance paid under TS and hence the certificate has to be signed and retained safely by Account Holder.

3.     In case of any change in contact or Address details, the GTS Account Holder is required to intimate the showroom within 7(seven) days from of such change which may be operated or implemented by Ratnalaya, from time to time.

4.     The maturity date shall be strictly calculated according to the first payment date and the type of scheme selected by the GTS Account Holder at the time of his/her enrollment

5.     Gold and silver coins cannot be purchased under this scheme. Registering and joining the scheme by a customer would imply placement of an order for jewellery by the customer

2. Monthly Advance Payments

1.     At The Time of every monthly installment payment, the golden tree account holder should collect his/her duly computerized receipt, from our store.

2.     Payment of monthly installments) should be made by cash, card, cheque, DD in favour of Ratnalaya Jewellers Payable at our store.

3.     The monthly payments should reach the Ratnalaya showroom not later than 3 days from the enrollment date, which shall be the due date every month. Payments reaching beyond this date will be treated as default for that particular month and may result in lower discount, at the time of purchase.

4.     Penalty of Rs.200/-per cheque dishonored by GTS Account Holder will be deductible in the invoice, at the time of purchase of jewellery

5.     GTS Account Holder Shall be eligible for purchase of jewellery with discount, only on the maturity date as per the scheme

6.     Non-payment of monthly advance/ installments for more than 6 months will result in suspension of GTS account and Re-activation for payment will take up to 3 working days from the date of request in writing with ID proof submitted by the GTS Account Holder.

3. GHS Utilization/Purchase on Maturity date:

1.     At the time of utilization/purchase on maturity of the scheme, the GTS Account Holder has to personally come with his/her closing certificate and deposit receipts and effect the utilization of his/her TS Advances by way of jewellery purchase. Original copy of the photo ID proof should be produced at the time of utilization for authentication, by the GTS Account Holder.

2.     In addition of the gold and stone charges, all jewellery purchased under the GTS will be subject to usual making charges and value added tax as may be applicable

3.     Discount eligibility of GTS Account Holder as per scheme shall be reduced by late payment charges/cheque dishonour charges & other deduction on account of payment delays, as specified in the scheme, at the time of purchase.

4.     In case of partial utilization of the GTS account towards purchase of jewellery, the eligible discount calculated by the showroom shall be fully given in the first purchase Itself and GTS Account Holder will not be entitled for any further discounts under the scheme for utilization of the balance towards subsequent purchases.

5.     In the event of any premature closure of the GTS account by the GTS Account Holder, such GTS Account Holder may purchase jewellery at the Ratnalaya Showroom equal to the value of the advance accumulated in his/her GTS account as on that day. However, no discount on purchases of jewellery will be given in case of premature closure of the GTS account under any circumstances.

6.     The GTS account holder has to pay 10 monthly ,installments and his/her maturity would start after 331 days from the date of joining the scheme. The account holder is mandatorily required to redden his/her account before 390 days from the date of first installment.

4. Other Terms and conditions:

1.     In the event of loss of GTS deposit vouchers/Golden Tree closing certificate, the GTS Account Holder has to intimate the concerned showroom immediately in writing, to enable Ratnalaya Jewellers to block the GTS account. In case of any delay or non-intimation, he/she shall be personally responsible for any loss or utilization/purchase by any other person.

2.     In the event of loss of the original Golden Tree Closing certificate, a duplicate certificate can be issued only if the GTS Account Holder provides an indemnity letter and valid photo ID and Address proofs, for authentication by the Ratnalaya showroom. The Ratnalaya Jewellers shall not issue any duplicate closing certificate Unless they are satisfied about the authenticity of the claim and request for duplicate certificate and only if the account holder produces all computerized receipts given to him, in the past in all cases.

3.     Ratnalaya Jewellers Reserves the right to after, amend add or delete part or whole of the privileges of the scheme without prior notice to the GTS Account Holder.

4.     Ratnalaya Jewellers Is the sponsor of the scheme and reserves the right to suspend the scheme at any time. In any such event, the GTS Account Holder may Purchase any item at our store equal to the value of the advance accumulated in his/her GTS account, as on that day.

5.     Any conditions which are explicitly not covered above would be at discretion of Ratnalaya Jewellers at the time of transaction. The decision of the store in this regard would be deemed as irrevocable and final.

6.     In case of any change in existing laws, rules, acts, etc, by any regulatory authority, necessary requirements as per the same have to be complied by the GTS

7.     Account Holder

8.     Disputes if any will be subject to the courts in Patna jurisdiction only, to the exclusion of any other courts jurisdiction.

Detailed Terms and Conditions

1. Account Opening & Enrollment

1.     Golden Tree Scheme can be enrolled by individuals only and enrollment is not permissible for companies, partnership or proprietorship firms. On enrollment, every GTS Account Holder will be given deposit receipt which he/she is required to carry and keep under safe custody, at all times. The GTS Account Holder(s) should ensure that all payments made by them are correctly entered in the deposit receipts and any discrepancy should be immediately brought to the respective showroom managers for suitable rectification.

2.     On successful completion of all the monthly installments, Ratnalaya jewelers will provide a closing certificate that entitles the account holder for the benefit of the scheme. This certificate is the only document to identity the GTS Account Holder ie the bearer of the certificate will be deemed as the owner of the same for the purpose of utilization of advance paid under TS and hence the certificate has to be signed and retained safely by Account Holder.

3.     In case of any change in contact or Address details, the GTS Account Holder is required to intimate the showroom within 7(seven) days from of such change which may be operated or implemented by Ratnalaya, from time to time.

4.     The maturity date shall be strictly calculated according to the first payment date and the type of scheme selected by the GTS Account Holder at the time of his/her enrollment

5.     Gold and silver coins cannot be purchased under this scheme. Registering and joining the scheme by a customer would imply placement of an order for jewellery by the customer

2. Monthly Advance Payments

1.     At The Time of every monthly installment payment, the golden tree account holder should collect his/her duly computerized receipt, from our store.

2.     Payment of monthly installments) should be made by cash, card, cheque, DD in favour of Ratnalaya Jewellers Payable at our store.

3.     The monthly payments should reach the Ratnalaya showroom not later than 3 days from the enrollment date, which shall be the due date every month. Payments reaching beyond this date will be treated as default for that particular month and may result in lower discount, at the time of purchase.

4.     Penalty of Rs.200/-per cheque dishonored by GTS Account Holder will be deductible in the invoice, at the time of purchase of jewellery

5.     GTS Account Holder Shall be eligible for purchase of jewellery with discount, only on the maturity date as per the scheme

6.     Non-payment of monthly advance/ installments for more than 6 months will result in suspension of GTS account and Re-activation for payment will take up to 3 working days from the date of request in writing with ID proof submitted by the GTS Account Holder.

3. GHS Utilization/Purchase on Maturity date:

1.     At the time of utilization/purchase on maturity of the scheme, the GTS Account Holder has to personally come with his/her closing certificate and deposit receipts and effect the utilization of his/her TS Advances by way of jewellery purchase. Original copy of the photo ID proof should be produced at the time of utilization for authentication, by the GTS Account Holder.

2.     In addition of the gold and stone charges, all jewellery purchased under the GTS will be subject to usual making charges and value added tax as may be applicable

3.     Discount eligibility of GTS Account Holder as per scheme shall be reduced by late payment charges/cheque dishonour charges & other deduction on account of payment delays, as specified in the scheme, at the time of purchase.

4.     In case of partial utilization of the GTS account towards purchase of jewellery, the eligible discount calculated by the showroom shall be fully given in the first purchase Itself and GTS Account Holder will not be entitled for any further discounts under the scheme for utilization of the balance towards subsequent purchases.

5.     In the event of any premature closure of the GTS account by the GTS Account Holder, such GTS Account Holder may purchase jewellery at the Ratnalaya Showroom equal to the value of the advance accumulated in his/her GTS account as on that day. However, no discount on purchases of jewellery will be given in case of premature closure of the GTS account under any circumstances.

6.     The GTS account holder has to pay 10 monthly ,installments and his/her maturity would start after 331 days from the date of joining the scheme. The account holder is mandatorily required to redden his/her account before 390 days from the date of first installment.

4. Other Terms and conditions:

1.     In the event of loss of GTS deposit vouchers/Golden Tree closing certificate, the GTS Account Holder has to intimate the concerned showroom immediately in writing, to enable Ratnalaya Jewellers to block the GTS account. In case of any delay or non-intimation, he/she shall be personally responsible for any loss or utilization/purchase by any other person.

2.     In the event of loss of the original Golden Tree Closing certificate, a duplicate certificate can be issued only if the GTS Account Holder provides an indemnity letter and valid photo ID and Address proofs, for authentication by the Ratnalaya showroom. The Ratnalaya Jewellers shall not issue any duplicate closing certificate Unless they are satisfied about the authenticity of the claim and request for duplicate certificate and only if the account holder produces all computerized receipts given to him, in the past in all cases.

3.     Ratnalaya Jewellers Reserves the right to after, amend add or delete part or whole of the privileges of the scheme without prior notice to the GTS Account Holder.

4.     Ratnalaya Jewellers Is the sponsor of the scheme and reserves the right to suspend the scheme at any time. In any such event, the GTS Account Holder may Purchase any item at our store equal to the value of the advance accumulated in his/her GTS account, as on that day.

5.     Any conditions which are explicitly not covered above would be at discretion of Ratnalaya Jewellers at the time of transaction. The decision of the store in this regard would be deemed as irrevocable and final.

6.     In case of any change in existing laws, rules, acts, etc, by any regulatory authority, necessary requirements as per the same have to be complied by the GTS

7.     Account Holder

8.     Disputes if any will be subject to the courts in Patna jurisdiction only, to the exclusion of any other courts jurisdiction.

Detailed Terms and Conditions

1. Account Opening & Enrollment

1.     Golden Tree Scheme can be enrolled by individuals only and enrollment is not permissible for companies, partnership or proprietorship firms. On enrollment, every GTS Account Holder will be given deposit receipt which he/she is required to carry and keep under safe custody, at all times. The GTS Account Holder(s) should ensure that all payments made by them are correctly entered in the deposit receipts and any discrepancy should be immediately brought to the respective showroom managers for suitable rectification.

2.     On successful completion of all the monthly installments, Ratnalaya jewelers will provide a closing certificate that entitles the account holder for the benefit of the scheme. This certificate is the only document to identity the GTS Account Holder ie the bearer of the certificate will be deemed as the owner of the same for the purpose of utilization of advance paid under TS and hence the certificate has to be signed and retained safely by Account Holder.

3.     In case of any change in contact or Address details, the GTS Account Holder is required to intimate the showroom within 7(seven) days from of such change which may be operated or implemented by Ratnalaya, from time to time.

4.     The maturity date shall be strictly calculated according to the first payment date and the type of scheme selected by the GTS Account Holder at the time of his/her enrollment

5.     Gold and silver coins cannot be purchased under this scheme. Registering and joining the scheme by a customer would imply placement of an order for jewellery by the customer

2. Monthly Advance Payments

1.     At The Time of every monthly installment payment, the golden tree account holder should collect his/her duly computerized receipt, from our store.

2.     Payment of monthly installments) should be made by cash, card, cheque, DD in favour of Ratnalaya Jewellers Payable at our store.

3.     The monthly payments should reach the Ratnalaya showroom not later than 3 days from the enrollment date, which shall be the due date every month. Payments reaching beyond this date will be treated as default for that particular month and may result in lower discount, at the time of purchase.

4.     Penalty of Rs.200/-per cheque dishonored by GTS Account Holder will be deductible in the invoice, at the time of purchase of jewellery

5.     GTS Account Holder Shall be eligible for purchase of jewellery with discount, only on the maturity date as per the scheme

6.     Non-payment of monthly advance/ installments for more than 6 months will result in suspension of GTS account and Re-activation for payment will take up to 3 working days from the date of request in writing with ID proof submitted by the GTS Account Holder.

3. GHS Utilization/Purchase on Maturity date:

1.     At the time of utilization/purchase on maturity of the scheme, the GTS Account Holder has to personally come with his/her closing certificate and deposit receipts and effect the utilization of his/her TS Advances by way of jewellery purchase. Original copy of the photo ID proof should be produced at the time of utilization for authentication, by the GTS Account Holder.

2.     In addition of the gold and stone charges, all jewellery purchased under the GTS will be subject to usual making charges and value added tax as may be applicable

3.     Discount eligibility of GTS Account Holder as per scheme shall be reduced by late payment charges/cheque dishonour charges & other deduction on account of payment delays, as specified in the scheme, at the time of purchase.

4.     In case of partial utilization of the GTS account towards purchase of jewellery, the eligible discount calculated by the showroom shall be fully given in the first purchase Itself and GTS Account Holder will not be entitled for any further discounts under the scheme for utilization of the balance towards subsequent purchases.

5.     In the event of any premature closure of the GTS account by the GTS Account Holder, such GTS Account Holder may purchase jewellery at the Ratnalaya Showroom equal to the value of the advance accumulated in his/her GTS account as on that day. However, no discount on purchases of jewellery will be given in case of premature closure of the GTS account under any circumstances.

6.     The GTS account holder has to pay 10 monthly ,installments and his/her maturity would start after 331 days from the date of joining the scheme. The account holder is mandatorily required to redden his/her account before 390 days from the date of first installment.

4. Other Terms and conditions:

1.     In the event of loss of GTS deposit vouchers/Golden Tree closing certificate, the GTS Account Holder has to intimate the concerned showroom immediately in writing, to enable Ratnalaya Jewellers to block the GTS account. In case of any delay or non-intimation, he/she shall be personally responsible for any loss or utilization/purchase by any other person.

2.     In the event of loss of the original Golden Tree Closing certificate, a duplicate certificate can be issued only if the GTS Account Holder provides an indemnity letter and valid photo ID and Address proofs, for authentication by the Ratnalaya showroom. The Ratnalaya Jewellers shall not issue any duplicate closing certificate Unless they are satisfied about the authenticity of the claim and request for duplicate certificate and only if the account holder produces all computerized receipts given to him, in the past in all cases.

3.     Ratnalaya Jewellers Reserves the right to after, amend add or delete part or whole of the privileges of the scheme without prior notice to the GTS Account Holder.

4.     Ratnalaya Jewellers Is the sponsor of the scheme and reserves the right to suspend the scheme at any time. In any such event, the GTS Account Holder may Purchase any item at our store equal to the value of the advance accumulated in his/her GTS account, as on that day.

5.     Any conditions which are explicitly not covered above would be at discretion of Ratnalaya Jewellers at the time of transaction. The decision of the store in this regard would be deemed as irrevocable and final.

6.     In case of any change in existing laws, rules, acts, etc, by any regulatory authority, necessary requirements as per the same have to be complied by the GTS

7.     Account Holder

8.     Disputes if any will be subject to the courts in Patna jurisdiction only, to the exclusion of any other courts jurisdiction.

Detailed Terms and Conditions

1. Account Opening & Enrollment

1.     Golden Tree Scheme can be enrolled by individuals only and enrollment is not permissible for companies, partnership or proprietorship firms. On enrollment, every GTS Account Holder will be given deposit receipt which he/she is required to carry and keep under safe custody, at all times. The GTS Account Holder(s) should ensure that all payments made by them are correctly entered in the deposit receipts and any discrepancy should be immediately brought to the respective showroom managers for suitable rectification.

2.     On successful completion of all the monthly installments, Ratnalaya jewelers will provide a closing certificate that entitles the account holder for the benefit of the scheme. This certificate is the only document to identity the GTS Account Holder ie the bearer of the certificate will be deemed as the owner of the same for the purpose of utilization of advance paid under TS and hence the certificate has to be signed and retained safely by Account Holder.

3.     In case of any change in contact or Address details, the GTS Account Holder is required to intimate the showroom within 7(seven) days from of such change which may be operated or implemented by Ratnalaya, from time to time.

4.     The maturity date shall be strictly calculated according to the first payment date and the type of scheme selected by the GTS Account Holder at the time of his/her enrollment

5.     Gold and silver coins cannot be purchased under this scheme. Registering and joining the scheme by a customer would imply placement of an order for jewellery by the customer

2. Monthly Advance Payments

1.     At The Time of every monthly installment payment, the golden tree account holder should collect his/her duly computerized receipt, from our store.

2.     Payment of monthly installments) should be made by cash, card, cheque, DD in favour of Ratnalaya Jewellers Payable at our store.

3.     The monthly payments should reach the Ratnalaya showroom not later than 3 days from the enrollment date, which shall be the due date every month. Payments reaching beyond this date will be treated as default for that particular month and may result in lower discount, at the time of purchase.

4.     Penalty of Rs.200/-per cheque dishonored by GTS Account Holder will be deductible in the invoice, at the time of purchase of jewellery

5.     GTS Account Holder Shall be eligible for purchase of jewellery with discount, only on the maturity date as per the scheme

6.     Non-payment of monthly advance/ installments for more than 6 months will result in suspension of GTS account and Re-activation for payment will take up to 3 working days from the date of request in writing with ID proof submitted by the GTS Account Holder.

3. GHS Utilization/Purchase on Maturity date:

1.     At the time of utilization/purchase on maturity of the scheme, the GTS Account Holder has to personally come with his/her closing certificate and deposit receipts and effect the utilization of his/her TS Advances by way of jewellery purchase. Original copy of the photo ID proof should be produced at the time of utilization for authentication, by the GTS Account Holder.

2.     In addition of the gold and stone charges, all jewellery purchased under the GTS will be subject to usual making charges and value added tax as may be applicable

3.     Discount eligibility of GTS Account Holder as per scheme shall be reduced by late payment charges/cheque dishonour charges & other deduction on account of payment delays, as specified in the scheme, at the time of purchase.

4.     In case of partial utilization of the GTS account towards purchase of jewellery, the eligible discount calculated by the showroom shall be fully given in the first purchase Itself and GTS Account Holder will not be entitled for any further discounts under the scheme for utilization of the balance towards subsequent purchases.

5.     In the event of any premature closure of the GTS account by the GTS Account Holder, such GTS Account Holder may purchase jewellery at the Ratnalaya Showroom equal to the value of the advance accumulated in his/her GTS account as on that day. However, no discount on purchases of jewellery will be given in case of premature closure of the GTS account under any circumstances.

6.     The GTS account holder has to pay 10 monthly ,installments and his/her maturity would start after 331 days from the date of joining the scheme. The account holder is mandatorily required to redden his/her account before 390 days from the date of first installment.

4. Other Terms and conditions:

1.     In the event of loss of GTS deposit vouchers/Golden Tree closing certificate, the GTS Account Holder has to intimate the concerned showroom immediately in writing, to enable Ratnalaya Jewellers to block the GTS account. In case of any delay or non-intimation, he/she shall be personally responsible for any loss or utilization/purchase by any other person.

2.     In the event of loss of the original Golden Tree Closing certificate, a duplicate certificate can be issued only if the GTS Account Holder provides an indemnity letter and valid photo ID and Address proofs, for authentication by the Ratnalaya showroom. The Ratnalaya Jewellers shall not issue any duplicate closing certificate Unless they are satisfied about the authenticity of the claim and request for duplicate certificate and only if the account holder produces all computerized receipts given to him, in the past in all cases.

3.     Ratnalaya Jewellers Reserves the right to after, amend add or delete part or whole of the privileges of the scheme without prior notice to the GTS Account Holder.

4.     Ratnalaya Jewellers Is the sponsor of the scheme and reserves the right to suspend the scheme at any time. In any such event, the GTS Account Holder may Purchase any item at our store equal to the value of the advance accumulated in his/her GTS account, as on that day.

5.     Any conditions which are explicitly not covered above would be at discretion of Ratnalaya Jewellers at the time of transaction. The decision of the store in this regard would be deemed as irrevocable and final.

6.     In case of any change in existing laws, rules, acts, etc, by any regulatory authority, necessary requirements as per the same have to be complied by the GTS

7.     Account Holder

8.     Disputes if any will be subject to the courts in Patna jurisdiction only, to the exclusion of any other courts jurisdiction.

Detailed Terms and Conditions

1. Account Opening & Enrollment

1.     Golden Tree Scheme can be enrolled by individuals only and enrollment is not permissible for companies, partnership or proprietorship firms. On enrollment, every GTS Account Holder will be given deposit receipt which he/she is required to carry and keep under safe custody, at all times. The GTS Account Holder(s) should ensure that all payments made by them are correctly entered in the deposit receipts and any discrepancy should be immediately brought to the respective showroom managers for suitable rectification.

2.     On successful completion of all the monthly installments, Ratnalaya jewelers will provide a closing certificate that entitles the account holder for the benefit of the scheme. This certificate is the only document to identity the GTS Account Holder ie the bearer of the certificate will be deemed as the owner of the same for the purpose of utilization of advance paid under TS and hence the certificate has to be signed and retained safely by Account Holder.

3.     In case of any change in contact or Address details, the GTS Account Holder is required to intimate the showroom within 7(seven) days from of such change which may be operated or implemented by Ratnalaya, from time to time.

4.     The maturity date shall be strictly calculated according to the first payment date and the type of scheme selected by the GTS Account Holder at the time of his/her enrollment

5.     Gold and silver coins cannot be purchased under this scheme. Registering and joining the scheme by a customer would imply placement of an order for jewellery by the customer

2. Monthly Advance Payments

1.     At The Time of every monthly installment payment, the golden tree account holder should collect his/her duly computerized receipt, from our store.

2.     Payment of monthly installments) should be made by cash, card, cheque, DD in favour of Ratnalaya Jewellers Payable at our store.

3.     The monthly payments should reach the Ratnalaya showroom not later than 3 days from the enrollment date, which shall be the due date every month. Payments reaching beyond this date will be treated as default for that particular month and may result in lower discount, at the time of purchase.

4.     Penalty of Rs.200/-per cheque dishonored by GTS Account Holder will be deductible in the invoice, at the time of purchase of jewellery

5.     GTS Account Holder Shall be eligible for purchase of jewellery with discount, only on the maturity date as per the scheme

6.     Non-payment of monthly advance/ installments for more than 6 months will result in suspension of GTS account and Re-activation for payment will take up to 3 working days from the date of request in writing with ID proof submitted by the GTS Account Holder.

3. GHS Utilization/Purchase on Maturity date:

1.     At the time of utilization/purchase on maturity of the scheme, the GTS Account Holder has to personally come with his/her closing certificate and deposit receipts and effect the utilization of his/her TS Advances by way of jewellery purchase. Original copy of the photo ID proof should be produced at the time of utilization for authentication, by the GTS Account Holder.

2.     In addition of the gold and stone charges, all jewellery purchased under the GTS will be subject to usual making charges and value added tax as may be applicable

3.     Discount eligibility of GTS Account Holder as per scheme shall be reduced by late payment charges/cheque dishonour charges & other deduction on account of payment delays, as specified in the scheme, at the time of purchase.

4.     In case of partial utilization of the GTS account towards purchase of jewellery, the eligible discount calculated by the showroom shall be fully given in the first purchase Itself and GTS Account Holder will not be entitled for any further discounts under the scheme for utilization of the balance towards subsequent purchases.

5.     In the event of any premature closure of the GTS account by the GTS Account Holder, such GTS Account Holder may purchase jewellery at the Ratnalaya Showroom equal to the value of the advance accumulated in his/her GTS account as on that day. However, no discount on purchases of jewellery will be given in case of premature closure of the GTS account under any circumstances.

6.     The GTS account holder has to pay 10 monthly ,installments and his/her maturity would start after 331 days from the date of joining the scheme. The account holder is mandatorily required to redden his/her account before 390 days from the date of first installment.

4. Other Terms and conditions:

1.     In the event of loss of GTS deposit vouchers/Golden Tree closing certificate, the GTS Account Holder has to intimate the concerned showroom immediately in writing, to enable Ratnalaya Jewellers to block the GTS account. In case of any delay or non-intimation, he/she shall be personally responsible for any loss or utilization/purchase by any other person.

2.     In the event of loss of the original Golden Tree Closing certificate, a duplicate certificate can be issued only if the GTS Account Holder provides an indemnity letter and valid photo ID and Address proofs, for authentication by the Ratnalaya showroom. The Ratnalaya Jewellers shall not issue any duplicate closing certificate Unless they are satisfied about the authenticity of the claim and request for duplicate certificate and only if the account holder produces all computerized receipts given to him, in the past in all cases.

3.     Ratnalaya Jewellers Reserves the right to after, amend add or delete part or whole of the privileges of the scheme without prior notice to the GTS Account Holder.

4.     Ratnalaya Jewellers Is the sponsor of the scheme and reserves the right to suspend the scheme at any time. In any such event, the GTS Account Holder may Purchase any item at our store equal to the value of the advance accumulated in his/her GTS account, as on that day.

5.     Any conditions which are explicitly not covered above would be at discretion of Ratnalaya Jewellers at the time of transaction. The decision of the store in this regard would be deemed as irrevocable and final.

6.     In case of any change in existing laws, rules, acts, etc, by any regulatory authority, necessary requirements as per the same have to be complied by the GTS

7.     Account Holder

8.     Disputes if any will be subject to the courts in Patna jurisdiction only, to the exclusion of any other courts jurisdiction.

Detailed Terms and Conditions

1. Account Opening &

Enrollment

1.     Golden

Tree Scheme can be enrolled by individuals only and enrollment is not

permissible for companies, partnership or proprietorship firms. On enrollment,

every GTS Account Holder will be given deposit receipt which he/she is required

to carry and keep under safe custody, at all times. The GTS Account Holder(s)

should ensure that all payments made by them are correctly entered in the

deposit receipts and any discrepancy should be immediately brought to the

respective showroom managers for suitable rectification.

2.     On

successful completion of all the monthly installments, Ratnalaya jewelers will

provide a closing certificate that entitles the account holder for the benefit

of the scheme. This certificate is the only document to identity the GTS

Account Holder ie the bearer of the certificate will be deemed as the owner of

the same for the purpose of utilization of advance paid under TS and hence the

certificate has to be signed and retained safely by Account Holder.

3.     In

case of any change in contact or Address details, the GTS Account Holder is

required to intimate the showroom within 7(seven) days from of such change

which may be operated or implemented by Ratnalaya, from time to time.

4.     The

maturity date shall be strictly calculated according to the first payment date

and the type of scheme selected by the GTS Account Holder at the time of

his/her enrollment

5.     Gold

and silver coins cannot be purchased under this scheme. Registering and joining

the scheme by a customer would imply placement of an order for jewellery by the

customer

2. Monthly Advance Payments

1.     At

The Time of every monthly installment payment, the golden tree account holder

should collect his/her duly computerized receipt, from our store.

2.     Payment

of monthly installments) should be made by cash, card, cheque, DD in favour of

Ratnalaya Jewellers Payable at our store.

3.     The

monthly payments should reach the Ratnalaya showroom not later than 3 days from

the enrollment date, which shall be the due date every month. Payments reaching

beyond this date will be treated as default for that particular month and may

result in lower discount, at the time of purchase.

4.     Penalty

of Rs.200/-per cheque dishonored by GTS Account Holder will be deductible in

the invoice, at the time of purchase of jewellery

5.     GTS

Account Holder Shall be eligible for purchase of jewellery with discount, only

on the maturity date as per the scheme

6.     Non-payment

of monthly advance/ installments for more than 6 months will result in

suspension of GTS account and Re-activation for payment will take up to 3

working days from the date of request in writing with ID proof submitted by the

GTS Account Holder.

3. GHS Utilization/Purchase on

Maturity date:

1.     At

the time of utilization/purchase on maturity of the scheme, the GTS Account

Holder has to personally come with his/her closing certificate and deposit

receipts and effect the utilization of his/her TS Advances by way of jewellery

purchase. Original copy of the photo ID proof should be produced at the time of

utilization for authentication, by the GTS Account Holder.

2.     In

addition of the gold and stone charges, all jewellery purchased under the GTS

will be subject to usual making charges and value added tax as may be applicable

3.     Discount

eligibility of GTS Account Holder as per scheme shall be reduced by late

payment charges/cheque dishonour charges & other deduction on account of

payment delays, as specified in the scheme, at the time of purchase.

4.     In

case of partial utilization of the GTS account towards purchase of jewellery,

the eligible discount calculated by the showroom shall be fully given in the

first purchase Itself and GTS Account Holder will not be entitled for any

further discounts under the scheme for utilization of the balance towards

subsequent purchases.

5.     In

the event of any premature closure of the GTS account by the GTS Account

Holder, such GTS Account Holder may purchase jewellery at the Ratnalaya

Showroom equal to the value of the advance accumulated in his/her GTS account

as on that day. However, no discount on purchases of jewellery will be given in

case of premature closure of the GTS account under any circumstances.

6.     The

GTS account holder has to pay 10 monthly ,installments and his/her maturity

would start after 331 days from the date of joining the scheme. The account

holder is mandatorily required to redden his/her account before 390 days from

the date of first installment.

4. Other Terms and conditions:

1.     In

the event of loss of GTS deposit vouchers/Golden Tree closing certificate, the

GTS Account Holder has to intimate the concerned showroom immediately in

writing, to enable Ratnalaya Jewellers to block the GTS account. In case of any

delay or non-intimation, he/she shall be personally responsible for any loss or

utilization/purchase by any other person.

2.     In

the event of loss of the original Golden Tree Closing certificate, a duplicate

certificate can be issued only if the GTS Account Holder provides an indemnity

letter and valid photo ID and Address proofs, for authentication by the

Ratnalaya showroom. The Ratnalaya Jewellers shall not issue any duplicate

closing certificate Unless they are satisfied about the authenticity of the

claim and request for duplicate certificate and only if the account holder

produces all computerized receipts given to him, in the past in all cases.

3.     Ratnalaya

Jewellers Reserves the right to after, amend add or delete part or whole of the

privileges of the scheme without prior notice to the GTS Account Holder.

4.     Ratnalaya

Jewellers Is the sponsor of the scheme and reserves the right to suspend the

scheme at any time. In any such event, the GTS Account Holder may Purchase any

item at our store equal to the value of the advance accumulated in his/her GTS

account, as on that day.

5.     Any

conditions which are explicitly not covered above would be at discretion of

Ratnalaya Jewellers at the time of transaction. The decision of the store in

this regard would be deemed as irrevocable and final.

6.     In

case of any change in existing laws, rules, acts, etc, by any regulatory

authority, necessary requirements as per the same have to be complied by the

GTS

7.     Account

Holder

8.     Disputes

if any will be subject to the courts in Patna jurisdiction only, to the

exclusion of any other courts jurisdiction.

Detailed Terms and Conditions

1. Account Opening &

Enrollment

1.     Golden

Tree Scheme can be enrolled by individuals only and enrollment is not

permissible for companies, partnership or proprietorship firms. On enrollment,

every GTS Account Holder will be given deposit receipt which he/she is required

to carry and keep under safe custody, at all times. The GTS Account Holder(s)

should ensure that all payments made by them are correctly entered in the

deposit receipts and any discrepancy should be immediately brought to the

respective showroom managers for suitable rectification.

2.     On

successful completion of all the monthly installments, Ratnalaya jewelers will

provide a closing certificate that entitles the account holder for the benefit

of the scheme. This certificate is the only document to identity the GTS

Account Holder ie the bearer of the certificate will be deemed as the owner of

the same for the purpose of utilization of advance paid under TS and hence the

certificate has to be signed and retained safely by Account Holder.

3.     In

case of any change in contact or Address details, the GTS Account Holder is

required to intimate the showroom within 7(seven) days from of such change

which may be operated or implemented by Ratnalaya, from time to time.

4.     The

maturity date shall be strictly calculated according to the first payment date

and the type of scheme selected by the GTS Account Holder at the time of

his/her enrollment

5.     Gold

and silver coins cannot be purchased under this scheme. Registering and joining

the scheme by a customer would imply placement of an order for jewellery by the

customer

2. Monthly Advance Payments

1.     At

The Time of every monthly installment payment, the golden tree account holder

should collect his/her duly computerized receipt, from our store.

2.     Payment

of monthly installments) should be made by cash, card, cheque, DD in favour of

Ratnalaya Jewellers Payable at our store.

3.     The

monthly payments should reach the Ratnalaya showroom not later than 3 days from

the enrollment date, which shall be the due date every month. Payments reaching

beyond this date will be treated as default for that particular month and may

result in lower discount, at the time of purchase.

4.     Penalty

of Rs.200/-per cheque dishonored by GTS Account Holder will be deductible in

the invoice, at the time of purchase of jewellery

5.     GTS

Account Holder Shall be eligible for purchase of jewellery with discount, only

on the maturity date as per the scheme

6.     Non-payment

of monthly advance/ installments for more than 6 months will result in

suspension of GTS account and Re-activation for payment will take up to 3

working days from the date of request in writing with ID proof submitted by the

GTS Account Holder.

3. GHS Utilization/Purchase on

Maturity date:

1.     At

the time of utilization/purchase on maturity of the scheme, the GTS Account

Holder has to personally come with his/her closing certificate and deposit

receipts and effect the utilization of his/her TS Advances by way of jewellery

purchase. Original copy of the photo ID proof should be produced at the time of

utilization for authentication, by the GTS Account Holder.

2.     In

addition of the gold and stone charges, all jewellery purchased under the GTS

will be subject to usual making charges and value added tax as may be applicable

3.     Discount

eligibility of GTS Account Holder as per scheme shall be reduced by late

payment charges/cheque dishonour charges & other deduction on account of

payment delays, as specified in the scheme, at the time of purchase.

4.     In

case of partial utilization of the GTS account towards purchase of jewellery,

the eligible discount calculated by the showroom shall be fully given in the

first purchase Itself and GTS Account Holder will not be entitled for any

further discounts under the scheme for utilization of the balance towards

subsequent purchases.

5.     In

the event of any premature closure of the GTS account by the GTS Account

Holder, such GTS Account Holder may purchase jewellery at the Ratnalaya

Showroom equal to the value of the advance accumulated in his/her GTS account

as on that day. However, no discount on purchases of jewellery will be given in

case of premature closure of the GTS account under any circumstances.

6.     The

GTS account holder has to pay 10 monthly ,installments and his/her maturity

would start after 331 days from the date of joining the scheme. The account

holder is mandatorily required to redden his/her account before 390 days from

the date of first installment.

4. Other Terms and conditions:

1.     In

the event of loss of GTS deposit vouchers/Golden Tree closing certificate, the

GTS Account Holder has to intimate the concerned showroom immediately in

writing, to enable Ratnalaya Jewellers to block the GTS account. In case of any

delay or non-intimation, he/she shall be personally responsible for any loss or

utilization/purchase by any other person.

2.     In

the event of loss of the original Golden Tree Closing certificate, a duplicate

certificate can be issued only if the GTS Account Holder provides an indemnity

letter and valid photo ID and Address proofs, for authentication by the

Ratnalaya showroom. The Ratnalaya Jewellers shall not issue any duplicate

closing certificate Unless they are satisfied about the authenticity of the

claim and request for duplicate certificate and only if the account holder

produces all computerized receipts given to him, in the past in all cases.

3.     Ratnalaya

Jewellers Reserves the right to after, amend add or delete part or whole of the

privileges of the scheme without prior notice to the GTS Account Holder.

4.     Ratnalaya

Jewellers Is the sponsor of the scheme and reserves the right to suspend the

scheme at any time. In any such event, the GTS Account Holder may Purchase any

item at our store equal to the value of the advance accumulated in his/her GTS

account, as on that day.

5.     Any

conditions which are explicitly not covered above would be at discretion of

Ratnalaya Jewellers at the time of transaction. The decision of the store in

this regard would be deemed as irrevocable and final.

6.     In

case of any change in existing laws, rules, acts, etc, by any regulatory

authority, necessary requirements as per the same have to be complied by the

GTS

7.     Account

Holder

8.     Disputes

if any will be subject to the courts in Patna jurisdiction only, to the

exclusion of any other courts jurisdiction.

Detailed Terms and Conditions

1. Account Opening &

Enrollment

1.     Golden

Tree Scheme can be enrolled by individuals only and enrollment is not

permissible for companies, partnership or proprietorship firms. On enrollment,

every GTS Account Holder will be given deposit receipt which he/she is required

to carry and keep under safe custody, at all times. The GTS Account Holder(s)

should ensure that all payments made by them are correctly entered in the

deposit receipts and any discrepancy should be immediately brought to the

respective showroom managers for suitable rectification.

2.     On

successful completion of all the monthly installments, Ratnalaya jewelers will

provide a closing certificate that entitles the account holder for the benefit

of the scheme. This certificate is the only document to identity the GTS

Account Holder ie the bearer of the certificate will be deemed as the owner of

the same for the purpose of utilization of advance paid under TS and hence the

certificate has to be signed and retained safely by Account Holder.

3.     In

case of any change in contact or Address details, the GTS Account Holder is

required to intimate the showroom within 7(seven) days from of such change

which may be operated or implemented by Ratnalaya, from time to time.

4.     The

maturity date shall be strictly calculated according to the first payment date

and the type of scheme selected by the GTS Account Holder at the time of

his/her enrollment

5.     Gold

and silver coins cannot be purchased under this scheme. Registering and joining

the scheme by a customer would imply placement of an order for jewellery by the

customer

2. Monthly Advance Payments

1.     At

The Time of every monthly installment payment, the golden tree account holder

should collect his/her duly computerized receipt, from our store.

2.     Payment

of monthly installments) should be made by cash, card, cheque, DD in favour of

Ratnalaya Jewellers Payable at our store.

3.     The

monthly payments should reach the Ratnalaya showroom not later than 3 days from

the enrollment date, which shall be the due date every month. Payments reaching

beyond this date will be treated as default for that particular month and may

result in lower discount, at the time of purchase.

4.     Penalty

of Rs.200/-per cheque dishonored by GTS Account Holder will be deductible in

the invoice, at the time of purchase of jewellery

5.     GTS

Account Holder Shall be eligible for purchase of jewellery with discount, only

on the maturity date as per the scheme

6.     Non-payment

of monthly advance/ installments for more than 6 months will result in

suspension of GTS account and Re-activation for payment will take up to 3

working days from the date of request in writing with ID proof submitted by the

GTS Account Holder.

3. GHS Utilization/Purchase on

Maturity date:

1.     At

the time of utilization/purchase on maturity of the scheme, the GTS Account

Holder has to personally come with his/her closing certificate and deposit

receipts and effect the utilization of his/her TS Advances by way of jewellery

purchase. Original copy of the photo ID proof should be produced at the time of

utilization for authentication, by the GTS Account Holder.

2.     In

addition of the gold and stone charges, all jewellery purchased under the GTS

will be subject to usual making charges and value added tax as may be applicable

3.     Discount

eligibility of GTS Account Holder as per scheme shall be reduced by late

payment charges/cheque dishonour charges & other deduction on account of

payment delays, as specified in the scheme, at the time of purchase.

4.     In

case of partial utilization of the GTS account towards purchase of jewellery,

the eligible discount calculated by the showroom shall be fully given in the

first purchase Itself and GTS Account Holder will not be entitled for any

further discounts under the scheme for utilization of the balance towards

subsequent purchases.

5.     In

the event of any premature closure of the GTS account by the GTS Account

Holder, such GTS Account Holder may purchase jewellery at the Ratnalaya

Showroom equal to the value of the advance accumulated in his/her GTS account

as on that day. However, no discount on purchases of jewellery will be given in

case of premature closure of the GTS account under any circumstances.

6.     The

GTS account holder has to pay 10 monthly ,installments and his/her maturity

would start after 331 days from the date of joining the scheme. The account

holder is mandatorily required to redden his/her account before 390 days from

the date of first installment.

4. Other Terms and conditions:

1.     In

the event of loss of GTS deposit vouchers/Golden Tree closing certificate, the

GTS Account Holder has to intimate the concerned showroom immediately in

writing, to enable Ratnalaya Jewellers to block the GTS account. In case of any

delay or non-intimation, he/she shall be personally responsible for any loss or

utilization/purchase by any other person.

2.     In

the event of loss of the original Golden Tree Closing certificate, a duplicate

certificate can be issued only if the GTS Account Holder provides an indemnity

letter and valid photo ID and Address proofs, for authentication by the

Ratnalaya showroom. The Ratnalaya Jewellers shall not issue any duplicate

closing certificate Unless they are satisfied about the authenticity of the

claim and request for duplicate certificate and only if the account holder

produces all computerized receipts given to him, in the past in all cases.

3.     Ratnalaya

Jewellers Reserves the right to after, amend add or delete part or whole of the

privileges of the scheme without prior notice to the GTS Account Holder.

4.     Ratnalaya

Jewellers Is the sponsor of the scheme and reserves the right to suspend the

scheme at any time. In any such event, the GTS Account Holder may Purchase any

item at our store equal to the value of the advance accumulated in his/her GTS

account, as on that day.

5.     Any

conditions which are explicitly not covered above would be at discretion of

Ratnalaya Jewellers at the time of transaction. The decision of the store in

this regard would be deemed as irrevocable and final.

6.     In

case of any change in existing laws, rules, acts, etc, by any regulatory

authority, necessary requirements as per the same have to be complied by the

GTS

7.     Account

Holder

8.     Disputes

if any will be subject to the courts in Patna jurisdiction only, to the

exclusion of any other courts jurisdiction.

Detailed Terms and Conditions

1. Account Opening &

Enrollment

1.     Golden

Tree Scheme can be enrolled by individuals only and enrollment is not

permissible for companies, partnership or proprietorship firms. On enrollment,

every GTS Account Holder will be given deposit receipt which he/she is required

to carry and keep under safe custody, at all times. The GTS Account Holder(s)

should ensure that all payments made by them are correctly entered in the

deposit receipts and any discrepancy should be immediately brought to the

respective showroom managers for suitable rectification.

2.     On

successful completion of all the monthly installments, Ratnalaya jewelers will

provide a closing certificate that entitles the account holder for the benefit

of the scheme. This certificate is the only document to identity the GTS

Account Holder ie the bearer of the certificate will be deemed as the owner of

the same for the purpose of utilization of advance paid under TS and hence the

certificate has to be signed and retained safely by Account Holder.

3.     In

case of any change in contact or Address details, the GTS Account Holder is

required to intimate the showroom within 7(seven) days from of such change

which may be operated or implemented by Ratnalaya, from time to time.

4.     The

maturity date shall be strictly calculated according to the first payment date

and the type of scheme selected by the GTS Account Holder at the time of

his/her enrollment

5.     Gold

and silver coins cannot be purchased under this scheme. Registering and joining

the scheme by a customer would imply placement of an order for jewellery by the

customer

2. Monthly Advance Payments

1.     At

The Time of every monthly installment payment, the golden tree account holder

should collect his/her duly computerized receipt, from our store.

2.     Payment

of monthly installments) should be made by cash, card, cheque, DD in favour of

Ratnalaya Jewellers Payable at our store.

3.     The

monthly payments should reach the Ratnalaya showroom not later than 3 days from

the enrollment date, which shall be the due date every month. Payments reaching

beyond this date will be treated as default for that particular month and may

result in lower discount, at the time of purchase.

4.     Penalty

of Rs.200/-per cheque dishonored by GTS Account Holder will be deductible in

the invoice, at the time of purchase of jewellery

5.     GTS

Account Holder Shall be eligible for purchase of jewellery with discount, only

on the maturity date as per the scheme

6.     Non-payment

of monthly advance/ installments for more than 6 months will result in

suspension of GTS account and Re-activation for payment will take up to 3

working days from the date of request in writing with ID proof submitted by the

GTS Account Holder.

3. GHS Utilization/Purchase on

Maturity date:

1.     At

the time of utilization/purchase on maturity of the scheme, the GTS Account

Holder has to personally come with his/her closing certificate and deposit

receipts and effect the utilization of his/her TS Advances by way of jewellery

purchase. Original copy of the photo ID proof should be produced at the time of

utilization for authentication, by the GTS Account Holder.

2.     In

addition of the gold and stone charges, all jewellery purchased under the GTS

will be subject to usual making charges and value added tax as may be applicable

3.     Discount

eligibility of GTS Account Holder as per scheme shall be reduced by late

payment charges/cheque dishonour charges & other deduction on account of

payment delays, as specified in the scheme, at the time of purchase.

4.     In

case of partial utilization of the GTS account towards purchase of jewellery,

the eligible discount calculated by the showroom shall be fully given in the

first purchase Itself and GTS Account Holder will not be entitled for any

further discounts under the scheme for utilization of the balance towards

subsequent purchases.

5.     In

the event of any premature closure of the GTS account by the GTS Account

Holder, such GTS Account Holder may purchase jewellery at the Ratnalaya

Showroom equal to the value of the advance accumulated in his/her GTS account

as on that day. However, no discount on purchases of jewellery will be given in

case of premature closure of the GTS account under any circumstances.

6.     The

GTS account holder has to pay 10 monthly ,installments and his/her maturity

would start after 331 days from the date of joining the scheme. The account

holder is mandatorily required to redden his/her account before 390 days from

the date of first installment.

4. Other Terms and conditions:

1.     In

the event of loss of GTS deposit vouchers/Golden Tree closing certificate, the

GTS Account Holder has to intimate the concerned showroom immediately in

writing, to enable Ratnalaya Jewellers to block the GTS account. In case of any

delay or non-intimation, he/she shall be personally responsible for any loss or

utilization/purchase by any other person.

2.     In

the event of loss of the original Golden Tree Closing certificate, a duplicate

certificate can be issued only if the GTS Account Holder provides an indemnity

letter and valid photo ID and Address proofs, for authentication by the

Ratnalaya showroom. The Ratnalaya Jewellers shall not issue any duplicate

closing certificate Unless they are satisfied about the authenticity of the

claim and request for duplicate certificate and only if the account holder

produces all computerized receipts given to him, in the past in all cases.

3.     Ratnalaya

Jewellers Reserves the right to after, amend add or delete part or whole of the

privileges of the scheme without prior notice to the GTS Account Holder.

4.     Ratnalaya

Jewellers Is the sponsor of the scheme and reserves the right to suspend the

scheme at any time. In any such event, the GTS Account Holder may Purchase any

item at our store equal to the value of the advance accumulated in his/her GTS

account, as on that day.

5.     Any

conditions which are explicitly not covered above would be at discretion of

Ratnalaya Jewellers at the time of transaction. The decision of the store in

this regard would be deemed as irrevocable and final.

6.     In

case of any change in existing laws, rules, acts, etc, by any regulatory

authority, necessary requirements as per the same have to be complied by the

GTS

7.     Account

Holder

8.     Disputes

if any will be subject to the courts in Patna jurisdiction only, to the

exclusion of any other courts jurisdiction.

Detailed Terms and Conditions

1. Account Opening &

Enrollment

1.     Golden

Tree Scheme can be enrolled by individuals only and enrollment is not

permissible for companies, partnership or proprietorship firms. On enrollment,

every GTS Account Holder will be given deposit receipt which he/she is required

to carry and keep under safe custody, at all times. The GTS Account Holder(s)

should ensure that all payments made by them are correctly entered in the

deposit receipts and any discrepancy should be immediately brought to the

respective showroom managers for suitable rectification.

2.     On

successful completion of all the monthly installments, Ratnalaya jewelers will

provide a closing certificate that entitles the account holder for the benefit

of the scheme. This certificate is the only document to identity the GTS

Account Holder ie the bearer of the certificate will be deemed as the owner of

the same for the purpose of utilization of advance paid under TS and hence the

certificate has to be signed and retained safely by Account Holder.

3.     In

case of any change in contact or Address details, the GTS Account Holder is

required to intimate the showroom within 7(seven) days from of such change

which may be operated or implemented by Ratnalaya, from time to time.

4.     The

maturity date shall be strictly calculated according to the first payment date

and the type of scheme selected by the GTS Account Holder at the time of

his/her enrollment

5.     Gold

and silver coins cannot be purchased under this scheme. Registering and joining

the scheme by a customer would imply placement of an order for jewellery by the

customer

2. Monthly Advance Payments

1.     At

The Time of every monthly installment payment, the golden tree account holder

should collect his/her duly computerized receipt, from our store.

2.     Payment

of monthly installments) should be made by cash, card, cheque, DD in favour of

Ratnalaya Jewellers Payable at our store.

3.     The

monthly payments should reach the Ratnalaya showroom not later than 3 days from

the enrollment date, which shall be the due date every month. Payments reaching

beyond this date will be treated as default for that particular month and may

result in lower discount, at the time of purchase.

4.     Penalty

of Rs.200/-per cheque dishonored by GTS Account Holder will be deductible in

the invoice, at the time of purchase of jewellery

5.     GTS

Account Holder Shall be eligible for purchase of jewellery with discount, only

on the maturity date as per the scheme

6.     Non-payment

of monthly advance/ installments for more than 6 months will result in

suspension of GTS account and Re-activation for payment will take up to 3

working days from the date of request in writing with ID proof submitted by the

GTS Account Holder.

3. GHS Utilization/Purchase on

Maturity date:

1.     At

the time of utilization/purchase on maturity of the scheme, the GTS Account

Holder has to personally come with his/her closing certificate and deposit

receipts and effect the utilization of his/her TS Advances by way of jewellery

purchase. Original copy of the photo ID proof should be produced at the time of

utilization for authentication, by the GTS Account Holder.

2.     In

addition of the gold and stone charges, all jewellery purchased under the GTS

will be subject to usual making charges and value added tax as may be applicable

3.     Discount

eligibility of GTS Account Holder as per scheme shall be reduced by late

payment charges/cheque dishonour charges & other deduction on account of

payment delays, as specified in the scheme, at the time of purchase.

4.     In

case of partial utilization of the GTS account towards purchase of jewellery,

the eligible discount calculated by the showroom shall be fully given in the

first purchase Itself and GTS Account Holder will not be entitled for any

further discounts under the scheme for utilization of the balance towards

subsequent purchases.

5.     In

the event of any premature closure of the GTS account by the GTS Account

Holder, such GTS Account Holder may purchase jewellery at the Ratnalaya

Showroom equal to the value of the advance accumulated in his/her GTS account

as on that day. However, no discount on purchases of jewellery will be given in

case of premature closure of the GTS account under any circumstances.

6.     The

GTS account holder has to pay 10 monthly ,installments and his/her maturity

would start after 331 days from the date of joining the scheme. The account

holder is mandatorily required to redden his/her account before 390 days from

the date of first installment.

4. Other Terms and conditions:

1.     In

the event of loss of GTS deposit vouchers/Golden Tree closing certificate, the

GTS Account Holder has to intimate the concerned showroom immediately in

writing, to enable Ratnalaya Jewellers to block the GTS account. In case of any

delay or non-intimation, he/she shall be personally responsible for any loss or

utilization/purchase by any other person.

2.     In

the event of loss of the original Golden Tree Closing certificate, a duplicate

certificate can be issued only if the GTS Account Holder provides an indemnity

letter and valid photo ID and Address proofs, for authentication by the

Ratnalaya showroom. The Ratnalaya Jewellers shall not issue any duplicate

closing certificate Unless they are satisfied about the authenticity of the

claim and request for duplicate certificate and only if the account holder

produces all computerized receipts given to him, in the past in all cases.

3.     Ratnalaya

Jewellers Reserves the right to after, amend add or delete part or whole of the

privileges of the scheme without prior notice to the GTS Account Holder.

4.     Ratnalaya

Jewellers Is the sponsor of the scheme and reserves the right to suspend the

scheme at any time. In any such event, the GTS Account Holder may Purchase any

item at our store equal to the value of the advance accumulated in his/her GTS

account, as on that day.

5.     Any

conditions which are explicitly not covered above would be at discretion of

Ratnalaya Jewellers at the time of transaction. The decision of the store in

this regard would be deemed as irrevocable and final.

6.     In

case of any change in existing laws, rules, acts, etc, by any regulatory

authority, necessary requirements as per the same have to be complied by the

GTS

7.     Account

Holder

8.     Disputes

if any will be subject to the courts in Patna jurisdiction only, to the

exclusion of any other courts jurisdiction.

Detailed Terms and Conditions

1. Account Opening &

Enrollment

1.     Golden

Tree Scheme can be enrolled by individuals only and

enrollment is not

permissible for companies, partnership or proprietorship

firms. On enrollment,

every GTS Account Holder will be given deposit receipt

which he/she is required

to carry and keep under safe custody, at all times. The

GTS Account Holder(s)

should ensure that all payments made by them are

correctly entered in the

deposit receipts and any discrepancy should be

immediately brought to the

respective showroom managers for suitable rectification.

2.     On

successful completion of all the monthly installments,

Ratnalaya jewelers will

provide a closing certificate that entitles the account

holder for the benefit

of the scheme. This certificate is the only document to

identity the GTS

Account Holder ie the bearer of the certificate will be

deemed as the owner of

the same for the purpose of utilization of advance paid

under TS and hence the

certificate has to be signed and retained safely by

Account Holder.

3.     In

case of any change in contact or Address details, the GTS

Account Holder is

required to intimate the showroom within 7(seven) days

from of such change

which may be operated or implemented by Ratnalaya, from

time to time.

4.     The

maturity date shall be strictly calculated according to

the first payment date

and the type of scheme selected by the GTS Account Holder

at the time of

his/her enrollment

5.     Gold

and silver coins cannot be purchased under this scheme.

Registering and joining

the scheme by a customer would imply placement of an

order for jewellery by the

customer

2. Monthly Advance Payments

1.     At

The Time of every monthly installment payment, the golden

tree account holder

should collect his/her duly computerized receipt, from

our store.

2.     Payment

of monthly installments) should be made by cash, card,

cheque, DD in favour of

Ratnalaya Jewellers Payable at our store.

3.     The

monthly payments should reach the Ratnalaya showroom not

later than 3 days from

the enrollment date, which shall be the due date every

month. Payments reaching

beyond this date will be treated as default for that

particular month and may

result in lower discount, at the time of purchase.

4.     Penalty

of Rs.200/-per cheque dishonored by GTS Account Holder

will be deductible in

the invoice, at the time of purchase of jewellery

5.     GTS

Account Holder Shall be eligible for purchase of

jewellery with discount, only

on the maturity date as per the scheme

6.     Non-payment

of monthly advance/ installments for more than 6 months

will result in

suspension of GTS account and Re-activation for payment

will take up to 3

working days from the date of request in writing with ID

proof submitted by the

GTS Account Holder.

3. GHS Utilization/Purchase on

Maturity date:

1.     At

the time of utilization/purchase on maturity of the

scheme, the GTS Account

Holder has to personally come with his/her closing

certificate and deposit

receipts and effect the utilization of his/her TS

Advances by way of jewellery

purchase. Original copy of the photo ID proof should be

produced at the time of

utilization for authentication, by the GTS Account Holder.

2.     In

addition of the gold and stone charges, all jewellery

purchased under the GTS

will be subject to usual making charges and value added

tax as may be applicable

3.     Discount

eligibility of GTS Account Holder as per scheme shall be

reduced by late

payment charges/cheque dishonour charges & other

deduction on account of

payment delays, as specified in the scheme, at the time

of purchase.

4.     In

case of partial utilization of the GTS account towards

purchase of jewellery,

the eligible discount calculated by the showroom shall be

fully given in the

first purchase Itself and GTS Account Holder will not be

entitled for any

further discounts under the scheme for utilization of the

balance towards

subsequent purchases.

5.     In

the event of any premature closure of the GTS account by

the GTS Account

Holder, such GTS Account Holder may purchase jewellery at

the Ratnalaya

Showroom equal to the value of the advance accumulated in

his/her GTS account

as on that day. However, no discount on purchases of

jewellery will be given in

case of premature closure of the GTS account under any

circumstances.

6.     The

GTS account holder has to pay 10 monthly ,installments

and his/her maturity

would start after 331 days from the date of joining the

scheme. The account

holder is mandatorily required to redden his/her account

before 390 days from

the date of first installment.

4. Other Terms and conditions:

1.     In

the event of loss of GTS deposit vouchers/Golden Tree

closing certificate, the

GTS Account Holder has to intimate the concerned showroom

immediately in

writing, to enable Ratnalaya Jewellers to block the GTS

account. In case of any

delay or non-intimation, he/she shall be personally

responsible for any loss or

utilization/purchase by any other person.

2.     In

the event of loss of the original Golden Tree Closing

certificate, a duplicate

certificate can be issued only if the GTS Account Holder

provides an indemnity

letter and valid photo ID and Address proofs, for

authentication by the

Ratnalaya showroom. The Ratnalaya Jewellers shall not

issue any duplicate

closing certificate Unless they are satisfied about the

authenticity of the

claim and request for duplicate certificate and only if

the account holder

produces all computerized receipts given to him, in the

past in all cases.

3.     Ratnalaya

Jewellers Reserves the right to after, amend add or

delete part or whole of the

privileges of the scheme without prior notice to the GTS

Account Holder.

4.     Ratnalaya

Jewellers Is the sponsor of the scheme and reserves the

right to suspend the

scheme at any time. In any such event, the GTS Account

Holder may Purchase any

item at our store equal to the value of the advance

accumulated in his/her GTS

account, as on that day.

5.     Any

conditions which are explicitly not covered above would

be at discretion of

Ratnalaya Jewellers at the time of transaction. The

decision of the store in

this regard would be deemed as irrevocable and final.

6.     In

case of any change in existing laws, rules, acts, etc, by

any regulatory

authority, necessary requirements as per the same have to

be complied by the

GTS

7.     Account

Holder

8.     Disputes

if any will be subject to the courts in Patna

jurisdiction only, to the

exclusion of any other courts jurisdiction.

Detailed Terms and Conditions

1. Account Opening & Enrollment

1.     Golden Tree Scheme can be enrolled by individuals only and enrollment is not permissible for companies, partnership or proprietorship firms. On enrollment, every GTS Account Holder will be given deposit receipt which he/she is required to carry and keep under safe custody, at all times. The GTS Account Holder(s) should ensure that all payments made by them are correctly entered in the deposit receipts and any discrepancy should be immediately brought to the respective showroom managers for suitable rectification.

2.     On successful completion of all the monthly installments, Ratnalaya jewelers will provide a closing certificate that entitles the account holder for the benefit of the scheme. This certificate is the only document to identity the GTS Account Holder ie the bearer of the certificate will be deemed as the owner of the same for the purpose of utilization of advance paid under TS and hence the certificate has to be signed and retained safely by Account Holder.

3.     In case of any change in contact or Address details, the GTS Account Holder is required to intimate the showroom within 7(seven) days from of such change which may be operated or implemented by Ratnalaya, from time to time.

4.     The maturity date shall be strictly calculated according to the first payment date and the type of scheme selected by the GTS Account Holder at the time of his/her enrollment

5.     Gold and silver coins cannot be purchased under this scheme. Registering and joining the scheme by a customer would imply placement of an order for jewellery by the customer

2. Monthly Advance Payments

1.     At The Time of every monthly installment payment, the golden tree account holder should collect his/her duly computerized receipt, from our store.

2.     Payment of monthly installments) should be made by cash, card, cheque, DD in favour of Ratnalaya Jewellers Payable at our store.

3.     The monthly payments should reach the Ratnalaya showroom not later than 3 days from the enrollment date, which shall be the due date every month. Payments reaching beyond this date will be treated as default for that particular month and may result in lower discount, at the time of purchase.

4.     Penalty of Rs.200/-per cheque dishonored by GTS Account Holder will be deductible in the invoice, at the time of purchase of jewellery

5.     GTS Account Holder Shall be eligible for purchase of jewellery with discount, only on the maturity date as per the scheme

6.     Non-payment of monthly advance/ installments for more than 6 months will result in suspension of GTS account and Re-activation for payment will take up to 3 working days from the date of request in writing with ID proof submitted by the GTS Account Holder.

3. GHS Utilization/Purchase on Maturity date:

1.     At the time of utilization/purchase on maturity of the scheme, the GTS Account Holder has to personally come with his/her closing certificate and deposit receipts and effect the utilization of his/her TS Advances by way of jewellery purchase. Original copy of the photo ID proof should be produced at the time of utilization for authentication, by the GTS Account Holder.

2.     In addition of the gold and stone charges, all jewellery purchased under the GTS will be subject to usual making charges and value added tax as may be applicable

3.     Discount eligibility of GTS Account Holder as per scheme shall be reduced by late payment charges/cheque dishonour charges & other deduction on account of payment delays, as specified in the scheme, at the time of purchase.

4.     In case of partial utilization of the GTS account towards purchase of jewellery, the eligible discount calculated by the showroom shall be fully given in the first purchase Itself and GTS Account Holder will not be entitled for any further discounts under the scheme for utilization of the balance towards subsequent purchases.

5.     In the event of any premature closure of the GTS account by the GTS Account Holder, such GTS Account Holder may purchase jewellery at the Ratnalaya Showroom equal to the value of the advance accumulated in his/her GTS account as on that day. However, no discount on purchases of jewellery will be given in case of premature closure of the GTS account under any circumstances.

6.     The GTS account holder has to pay 10 monthly ,installments and his/her maturity would start after 331 days from the date of joining the scheme. The account holder is mandatorily required to redden his/her account before 390 days from the date of first installment.

4. Other Terms and conditions:

1.     In the event of loss of GTS deposit vouchers/Golden Tree closing certificate, the GTS Account Holder has to intimate the concerned showroom immediately in writing, to enable Ratnalaya Jewellers to block the GTS account. In case of any delay or non-intimation, he/she shall be personally responsible for any loss or utilization/purchase by any other person.

2.     In the event of loss of the original Golden Tree Closing certificate, a duplicate certificate can be issued only if the GTS Account Holder provides an indemnity letter and valid photo ID and Address proofs, for authentication by the Ratnalaya showroom. The Ratnalaya Jewellers shall not issue any duplicate closing certificate Unless they are satisfied about the authenticity of the claim and request for duplicate certificate and only if the account holder produces all computerized receipts given to him, in the past in all cases.

3.     Ratnalaya Jewellers Reserves the right to after, amend add or delete part or whole of the privileges of the scheme without prior notice to the GTS Account Holder.

4.     Ratnalaya Jewellers Is the sponsor of the scheme and reserves the right to suspend the scheme at any time. In any such event, the GTS Account Holder may Purchase any item at our store equal to the value of the advance accumulated in his/her GTS account, as on that day.

5.     Any conditions which are explicitly not covered above would be at discretion of Ratnalaya Jewellers at the time of transaction. The decision of the store in this regard would be deemed as irrevocable and final.

6.     In case of any change in existing laws, rules, acts, etc, by any regulatory authority, necessary requirements as per the same have to be complied by the GTS

7.     Account Holder

8.     Disputes if any will be subject to the courts in Patna jurisdiction only, to the exclusion of any other courts jurisdiction.

Detailed Terms and Conditions

1. Account Opening & Enrollment

1.     Golden Tree Scheme can be enrolled by individuals only and enrollment is not permissible for companies, partnership or proprietorship firms. On enrollment, every GTS Account Holder will be given deposit receipt which he/she is required to carry and keep under safe custody, at all times. The GTS Account Holder(s) should ensure that all payments made by them are correctly entered in the deposit receipts and any discrepancy should be immediately brought to the respective showroom managers for suitable rectification.

2.     On successful completion of all the monthly installments, Ratnalaya jewelers will provide a closing certificate that entitles the account holder for the benefit of the scheme. This certificate is the only document to identity the GTS Account Holder ie the bearer of the certificate will be deemed as the owner of the same for the purpose of utilization of advance paid under TS and hence the certificate has to be signed and retained safely by Account Holder.

3.     In case of any change in contact or Address details, the GTS Account Holder is required to intimate the showroom within 7(seven) days from of such change which may be operated or implemented by Ratnalaya, from time to time.

4.     The maturity date shall be strictly calculated according to the first payment date and the type of scheme selected by the GTS Account Holder at the time of his/her enrollment

5.     Gold and silver coins cannot be purchased under this scheme. Registering and joining the scheme by a customer would imply placement of an order for jewellery by the customer

2. Monthly Advance Payments

1.     At The Time of every monthly installment payment, the golden tree account holder should collect his/her duly computerized receipt, from our store.

2.     Payment of monthly installments) should be made by cash, card, cheque, DD in favour of Ratnalaya Jewellers Payable at our store.

3.     The monthly payments should reach the Ratnalaya showroom not later than 3 days from the enrollment date, which shall be the due date every month. Payments reaching beyond this date will be treated as default for that particular month and may result in lower discount, at the time of purchase.

4.     Penalty of Rs.200/-per cheque dishonored by GTS Account Holder will be deductible in the invoice, at the time of purchase of jewellery

5.     GTS Account Holder Shall be eligible for purchase of jewellery with discount, only on the maturity date as per the scheme

6.     Non-payment of monthly advance/ installments for more than 6 months will result in suspension of GTS account and Re-activation for payment will take up to 3 working days from the date of request in writing with ID proof submitted by the GTS Account Holder.

3. GHS Utilization/Purchase on Maturity date:

1.     At the time of utilization/purchase on maturity of the scheme, the GTS Account Holder has to personally come with his/her closing certificate and deposit receipts and effect the utilization of his/her TS Advances by way of jewellery purchase. Original copy of the photo ID proof should be produced at the time of utilization for authentication, by the GTS Account Holder.

2.     In addition of the gold and stone charges, all jewellery purchased under the GTS will be subject to usual making charges and value added tax as may be applicable

3.     Discount eligibility of GTS Account Holder as per scheme shall be reduced by late payment charges/cheque dishonour charges & other deduction on account of payment delays, as specified in the scheme, at the time of purchase.

4.     In case of partial utilization of the GTS account towards purchase of jewellery, the eligible discount calculated by the showroom shall be fully given in the first purchase Itself and GTS Account Holder will not be entitled for any further discounts under the scheme for utilization of the balance towards subsequent purchases.

5.     In the event of any premature closure of the GTS account by the GTS Account Holder, such GTS Account Holder may purchase jewellery at the Ratnalaya Showroom equal to the value of the advance accumulated in his/her GTS account as on that day. However, no discount on purchases of jewellery will be given in case of premature closure of the GTS account under any circumstances.

6.     The GTS account holder has to pay 10 monthly ,installments and his/her maturity would start after 331 days from the date of joining the scheme. The account holder is mandatorily required to redden his/her account before 390 days from the date of first installment.

4. Other Terms and conditions:

1.     In the event of loss of GTS deposit vouchers/Golden Tree closing certificate, the GTS Account Holder has to intimate the concerned showroom immediately in writing, to enable Ratnalaya Jewellers to block the GTS account. In case of any delay or non-intimation, he/she shall be personally responsible for any loss or utilization/purchase by any other person.

2.     In the event of loss of the original Golden Tree Closing certificate, a duplicate certificate can be issued only if the GTS Account Holder provides an indemnity letter and valid photo ID and Address proofs, for authentication by the Ratnalaya showroom. The Ratnalaya Jewellers shall not issue any duplicate closing certificate Unless they are satisfied about the authenticity of the claim and request for duplicate certificate and only if the account holder produces all computerized receipts given to him, in the past in all cases.

3.     Ratnalaya Jewellers Reserves the right to after, amend add or delete part or whole of the privileges of the scheme without prior notice to the GTS Account Holder.

4.     Ratnalaya Jewellers Is the sponsor of the scheme and reserves the right to suspend the scheme at any time. In any such event, the GTS Account Holder may Purchase any item at our store equal to the value of the advance accumulated in his/her GTS account, as on that day.

5.     Any conditions which are explicitly not covered above would be at discretion of Ratnalaya Jewellers at the time of transaction. The decision of the store in this regard would be deemed as irrevocable and final.

6.     In case of any change in existing laws, rules, acts, etc, by any regulatory authority, necessary requirements as per the same have to be complied by the GTS

7.     Account Holder

8.     Disputes if any will be subject to the courts in Patna jurisdiction only, to the exclusion of any other courts jurisdiction.