Kitty / Jewellery Savings Plan

HANSULI

KITTY / JEWELLERY SAVINGS PLAN

11 Months of Savings. 12th Month from Hansuli.

The Hansuli Kitty Plan is designed to help you save regularly for your next piece of jewellery. You contribute a fixed amount every month for 11 months, and in the 12th month, Hansuli adds one additional monthly instalment on your behalf.

The accumulated amount can then be used to purchase eligible Hansuli jewellery, subject to the terms below.

• The minimum monthly contribution starts from ₹2,000.
• Customers make a monthly payment for 11 consecutive months.
• After all 11 instalments have been successfully paid, Hansuli contributes the 12th instalment.
• The total amount can be used towards the purchase of eligible Hansuli jewellery.
• Hansuli’s 12th-month contribution is a jewellery purchase benefit and is not payable as cash.
• 2. MONTHLY CONTRIBUTION

Customers may choose their monthly contribution starting from ₹2,000, subject to the plans offered by Hansuli.

The monthly amount selected at the time of enrolment will remain fixed for the duration of that kitty unless Hansuli agrees otherwise in writing.

All instalments must be paid within the specified monthly due date.

The Hansuli benefit is available only when:

• All 11 instalments have been paid.
• Payments have been received within the applicable payment period.
• The account has not been cancelled or closed due to non-payment.
• The customer meets all applicable terms of the scheme.

If instalments are missed or delayed, the 12th-month benefit may be affected as described in the missed-payment terms.

The accumulated kitty amount, including Hansuli’s 12th-month benefit, can be used towards the purchase of eligible Hansuli jewellery.

If the jewellery selected costs more than the kitty value, the customer may pay the difference.

Example:

Kitty value: ₹24,000 Jewellery selected: ₹30,000 Additional amount payable: ₹6,000

If the selected jewellery costs less than the kitty amount, the balance will be handled according to Hansuli’s applicable scheme terms and will not automatically be paid as cash.

Hansuli’s additional instalment is a promotional jewellery benefit under the Kitty Plan.

It:

• Is applicable only after completion of the required 11 instalments.
• Can be used towards eligible Hansuli jewellery.
• Cannot be withdrawn separately as cash.
• Cannot be transferred to another person unless approved by Hansuli.
• Has no independent cash value outside the scheme.

Customers are expected to make their monthly payment on time.

If an instalment is missed, the customer should contact Hansuli as soon as possible.

Repeated missed payments may result in:

• Loss or adjustment of the 12th-month benefit
• Extension of the kitty period
• Cancellation of the membership
• Other consequences communicated at the time of enrolment

The exact treatment of missed instalments will be communicated clearly to the customer before enrolment.

If a customer chooses to leave the kitty before completing 11 instalments, Hansuli’s 12th-month contribution will not apply.

Any refund or settlement will be subject to the scheme’s cancellation terms and applicable law.

The 12th-month benefit is earned only after the customer completes the required contribution period.

The kitty membership is personal to the enrolled customer.

Transfer to another person may be permitted only with prior approval from Hansuli and after verification of the relevant customer details.

The kitty amount represents the value accumulated under the scheme. Jewellery prices may change during the 11-month period due to changes in:

• Silver prices
• Making charges
• Design
• Weight
• Plating
• Taxes
• Other applicable costs

If the selected jewellery costs more than the kitty amount at the time of redemption, the customer will pay the difference.

Jewellery purchased using the Hansuli Kitty Plan will be subject to the Hansuli Exchange & Return Policy applicable to that purchase.

The kitty benefit itself cannot be converted into cash through a return or exchange.

Unless specifically announced by Hansuli, the 12th-month kitty contribution cannot be combined with other promotional offers, discounts or schemes.

Any special offer that can be combined with the Kitty Plan will be clearly communicated by Hansuli.

Hansuli will maintain records of:

• Customer name
• Contact details
• Monthly contribution
• Payment dates
• Kitty balance
• Membership status
• Redemption details

Customers should retain their payment receipts or transaction confirmations for their records.

The Hansuli Kitty Plan is intended specifically to help customers save towards Hansuli jewellery purchases.

The accumulated amount and Hansuli’s additional instalment are therefore intended for eligible jewellery purchases and are not a cash investment or cash-return scheme.

Hansuli may modify future Kitty Plans, including:

• Minimum contribution
• Duration
• Benefits
• Redemption conditions
• Payment methods

Any material changes will be communicated to existing members where applicable.

🌿 HANSULI KITTY

**You Save for 11 Months.

Hansuli Adds the 12th.

Your Dream Jewellery, One Step Closer.**

Starting from ₹2,000 per month.