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Terms And Conditions

  1. 1. The scheme is SONA’S SAVING SCHEME
  2. 2. Members can save in denominations of Rs. 1000 per month over the period of 12 months.
  3. 3. There are no groups, A member can enroll on any day he may desire.
  4. 4. A member can enroll in as many accounts as he/she desires, for larger investments.
  5. 5. Membership is accepted only through the prescribed application forms.
  6. 6. The first installment should be paid along with the completed application form. Subsequent monthly instalments should be paid on or before the 10th of every Month. Those who have contributed on time only are eligible for the incentives.
  7. 7. You can pay by cash or any mode of online payments.
  8. 8. The membership card must be produced when the instalments are remitted. Please ensure that all payments are correctly recorded in the membership card. Any discrepancies in the entries should be brought to the notice of the management and should be rectified immediately Receipts will be issued for all payments.
  9. 9. In case of default of payment by the member, the maturity of the deposits will be postponed by the corresponding number of months.
  10. 10. Members who discontinue their payments of monthly installments, will be eligible for gold jewellery worth their contribution, only after the expiry of the scheme period.
  11. 11. Members, who do not complete the scheme, will not be eligible for the bonus amounts, incentives and prizes if any.
  12. 12. The maturity date will be 30 days from the payment of last installment or on completion of 12 months from the date of joining whichever is later.
  13. 13. Cash, coins, gold ingots etc. or 24ct bullion will not be given, only gold jewellery will be given, Delivery of ornaments are subject to government taxes. All disputes are subject to KGF Jurisdiction
  14. 14. Enrolment is open on any working day.
  15. 15. Management of SONA Jewellers has all the rights to accept/reject any application without any reason. Their decision will also be redeemed to be final with respect to the scheme.
  16. 16. All membership cards, scheme papers etc. must be returned at the time of closure of scheme.