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About Scheme
Jewelry Purchase Scheme

Tanishq Golden Harvest, is a smart, secure and convenient way to acquire Tanishq jewellery of your choice. In Golden harvest, you can buy more than what you actually pay for because Tanishq will add a special discount upon maturity.

Golden Harvest – 10 Months

For Accounts opened prior to 1st Sept 2016, please refer Golden Harvest Book for terms and conditions
Customers can open the Golden Harvest account by visiting the nearest Tanishq store along with ID proof. Further customer has options to pay monthly instalments by cash, card, online, ACH or PDCs.
Customer should pay a fixed instalment amount on due date every month with Tanishq for 10 months (minimum instalment value - INR 2000 and it can increase to any amount in multiples of INR 1000). From the end of the 10th month customer will be eligible for a special discount which will vary from 55% to 75% of one instalment. However customers can still get Golden Harvest proportionate discount after completion of 6 months and 6 instalments payment. Customer has to mandatorily close the account within 421 days from the date of opening the account.
For Example ( Only If all installments are paid on due date )
Enrolment Date Maturity Date Instalment per month In INR Discount on Jewellery purchase in INR % of monthly installment
1st Jan 2017 1st Nov 2017 2000 1100 55%
1st Jan 2017 1st Dec 2017 2000 1300 65%
1st Jan 2017 1st Jan 2018 2000 1500 75%
1st Jan 2017 421st day 2000 1500 75%
Swarnanidhi Scheme
Swarnanidhi is a flexible, 8 months gold booking scheme. This scheme will also help protect you against the rising gold rates.
Under this scheme you can book grams of gold every month for 8 months post you can redeem the grams booked in form of Tanishq jewellery at gold rate applicable at the time of redemption.
How does the scheme work?
 1st Installment
1st Jan 2017
Amount paid ( For ex )
Rs 30000
(assuming) Gold rate on   1st Jan
Rs 3000
Hence, Grams booked
10 gms
2nd Installment
15th Feb 2017
Amount paid ( For ex )
Rs 10000
(assuming) Gold rate on 15th Feb
Rs 3100
Hence, Grams booked
3.22 gms
This process continues till the last instalment in August 2017. Assuming that in 8 months you’ve booked 100 grams, this is how you can redeem it.
Date of redemption
1st Sep 2017
Total grams booked
100 gms
(Assuming) Gold rate on 1st Sep
Rs 4000
Total value of redemption
Rs 400000
You can purchase jewellery worth Rs 400000 on or after 1st Sept 2017.

Points to be noted:

TITAN is not responsible for changes in the gold rates. Customers are requested to be fully cognizant of the risks that rise or fall in gold rates can effect the value of the grams booked by them. TITAN will not be responsible for decrease in credit note value of the grams booked at the time of redemption due to fall in gold rates.
Customers need to visit the nearest Tanishq store along with ID proof to open a SNS account. Further all the instalments need to be paid at the Tanishq store and there is no option to pay online