Sonay Sohaga

• The depositor will need to pay monthly instalments for 11 months and the scheme will mature in 350 days.
• Based on the instalment paid each month, the grammage of gold will be accumulated on the enrolled store's gold rate.
• The customer will need to purchase the jewellery between 350 to 364 days from the day of initial deposit.
• On purchase of gold jewellery, depositor will be eligible for a 50% discount on making charge on the accumulated weight and 20% discount on the remaining.
• On purchase of diamond jewellery, depositor will be eligible for a 100% discount on making charge on the accumulated weight and 40% discount on the balance.
• If redemption of scheme is requested before maturity, then only the deposited amount will be adjusted on purchase of new jewellery.

Terms & Conditions

1. Single payment cannot be accepted for payment of multiple scheme accounts.
2. No interest or any other benefit will be given by the company against this scheme.
3. This scheme is strictly against purchase of jewellery and the amount deposited will not be refunded under any circumstances.
4. Gold and silver coins, silver articles and solid/semi solid idols, Gemstones and Divine Diamonds cannot be purchased against redemption of this scheme.
5. Photo ID, Address Proof & Bank Details are mandatory for all deposits.
6. Additionally, Pan Card is mandatory for deposits exceeding Rs 2 Lakh.
7. Company will not accept multiple instalments in a single month.
8. Scheme is for minimum instalment of Rs 2000/- per month.
9. Premature closing due to exceptional circumstances or emergencies is at the sole discretion of the management and will lead to withdrawal of discount/benefit.
10. Bill generated at the end of the scheme will attract GST, Making Charges and/or any other charges applicable for the jewellery purchase.
11. Scheme can be terminated without prior notice and at the sole discretion of the company without compromising the security of the depositor.
12. Disputes, if any, will be subject to Kolkata/Agartala Jurisdiction.
13. Only Individuals will be allowed to take part in this scheme and in INR only.
14. Original Photo ID & Address Proof will have to be produced at the time of redemption.
15. Depositor will have to nominate an authorised representative.
16. In case of inability of depositor to be present at the time of redemption, the authorised representative will be allowed to redeem the scheme - on presentation of proper identity proof.
    Management, if not satisfied with the identity of the person and the documentary proof, reserves the right to decline the redemption of the scheme.
17. Monthly instalments will have to be paid latest within 5 days of the due date.
    
    Example :

    Enrollment Date :	1st June 2025
    Installment Date :	1st July 2025
    Latest installment Acceptance date :	6th July 2025 (Grace, 5 Days)

18. If a customer misses three (3) consecutive payment dates it will be considered that the scheme has been forfeited.
19. Unpaid instalments after maturity date will not be considered.
20. We accept cash, cheque, online transfer, UPI, etc. for monthly instalments.
21. Payment by Cheques will be credited on realisation.
22. In case 'SonaySohaga' Pass-book is lost by the customer, then he/she has to make an application to the company and a G.D. (General Diary) with the local police station. The customer has to provide a copy of the G.D. to the company.
23. Company shall not be responsible for any online payment failure and money being debited from the customers account. Customers are requested to check with their banks or other service providers for such payment failure.
24. The company will not be responsible or liable to send reminders for payments.
25. Customer will have to purchase jewellery for the total quantity of accumulated weight. Partial purchase is not allowed.
26. This is an exclusive plan for purchase of jewellery and not an investment scheme and apart from the special discount under this plan, no other benefits or return in cash or kind is applicable.