Welcome to Keerthy Diamonds & Gems Jewellers

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A saving scheme is a smart and structured way to plan your future purchases without financial pressure. Customers can deposit a fixed amount every month for a chosen duration, such as 11 months. At the end of the savings period, the accumulated amount can be used to purchase products or services, with added benefits like discounts, bonus installments, or waivers. Saving schemes help individuals manage money efficiently, avoid lump-sum payments, and achieve their goals for occasions like weddings, festivals, gifting, or personal use. It is a secure, convenient, and customer-friendly method to turn your dreams into reality through disciplined monthly savings.

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1. GOLD JEWELLERY SAVING SCHEME (Golden Drops)


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How It Works:

You pay a fixed monthly installment for 11 months (₹500, ₹1,000, ₹5,000, or above in multiples of ₹500).

After paying all installments, you receive a bonus amount in the 12th month.

The total amount (your paid amount + bonus) can be used to purchase gold jewellery.


No INSTALLMENT DUE PAID AMOUNT WITH BONUS (12th Month)
1 ₹500 11 ₹5,500 ₹6,000
2 ₹1,000 11 ₹11,000 ₹12,000
3 ₹5,000 11 ₹55,000 ₹60,000



2. DIAMOND JEWELLERY SAVING SCHEME (Keerthy Dhara)


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How It Works:

You pay a fixed amount every month for 11 months (₹1,000, ₹5,000, or ₹10,000).

After completing all installments, you get an assured bonus in the 12th month.

The entire amount can be used to purchase diamond jewellery.


No INSTALLMENT DUE PAID AMOUNT WITH BONUS (12th Month)
1 ₹1,000 11 ₹11,000 ₹13,000
2 ₹5,000 11 ₹55,000 ₹65,000
3 10,000 11 ₹1,10,000 ₹1,30,000

Assured Gift For All

    RULES AND DETAILS

  • The Monthly Saving Scheme Installment amount is fixed and must be paid for 11 months. Monthly saving scheme subscription amounts are ₹500, ₹1,000 or above (in multiples of ₹500). A customer can become a member of this scheme by paying the first installment.
  • Monthly installment should be paid on or before the 10th of every month. The installment cannot be postponed or refunded under any circumstances. In case of delay in payments for monthly installments, the customer may pay a maximum of two defaulted installments along with other regular installments during the scheme period. However, the installment amount cannot be paid after the scheme maturity date.
  • Value Added Tax (VAT) and other statutory levies due at the time of purchase will have to be borne by the member.
  • If there is a discontinuation or pre-closure of the scheme, the members are not eligible for the scheme benefits, and if any gift was received at the time of joining the scheme, the gift amount will be redeemed at the time of pre-closing.
  • Customer has to bring the membership card every month while making payments.
  • This is a Jewellery Purchase Plan. No cash refund is possible under any circumstances.
  • This scheme is unique and will not be linked to any other existing or future schemes/offers.
  • The company/firm reserves the right to alter, amend or delete part or whole of the privileges of the scheme without prior notice.
  • The original membership card has to be surrendered at the time of purchasing jewellery and the person who has signed the scheme application form should sign on the invoice at the time of purchase. In case the person who has signed the application is unable to come personally for making the purchase, a letter authorizing another person for making the purchase and signing the invoice with identity proof is required.
  • All disputes are subject to the jurisdiction of the competent court in Trichy, Tamil Nadu.

  • *Conditions Apply

Frequently Asked Questions (FAQ)


You can start the scheme with a monthly payment of ₹500, ₹1000 or any amount in multiples of ₹500. The first installment confirms your membership.

You must pay the fixed monthly installment for 11 months without interruption.

Installments must be paid on or before the 10th of every month. Late payments are not allowed to be postponed or refunded.

You are allowed to pay a maximum of two delayed installments along with regular monthly payments, but no installment can be paid after the maturity date.

No. Value Added Tax (VAT) and other statutory charges applicable at purchase time must be paid by the customer.

Yes, but if you discontinue or close early:

  • You won’t receive any scheme benefits.
  • Any joining gift will be adjusted and redeemed at the time of closure.

No. This is a Jewellery Purchase Scheme only. Cash refunds are not allowed under any circumstances.

You must surrender the original membership card and the same person who signed the application must sign the purchase invoice.

If that person cannot come:

  • An authorized individual can purchase with a letter and valid ID proof.