About Scheme
GOLDEN HARVEST
Jewelry Purchase Scheme
GOLDEN HARVEST

The Golden Harvest Scheme, brought to you by Tanishq, is one of the best jewellery Purchase Schemes ever, leading to an easy purchase of Tanishq jewellery of your choice.Under the Golden harvest scheme,you can buy for more than what you pay because Tanishq will add a special discount at the end of the scheme.

The 10 months Plan

For Accounts opened prior to 1st Sept 2016, please refer Scheme Book for terms and conditions
Customers can open the GHS account by visiting the nearest Tanishq store along with ID proof to open a GHS account. Further customer has options to pay monthly instalments by cash, card, online, ACH or PDCs.
Under this scheme, you need to pay a fixed instalment amount on due date every month with Tanishq for 10 months. From the end of the 10th month you will be eligible for a special discount which will vary from 55% to 75% of the first instalment, however customers can still get GHS proportionate discount after completion of 6 months and 6 instalments payment. In this scheme minimum instalment value is Rs 2000 and it can increase to any amount as long as it is in multiples of Rs 1000. You will have to mandatorily close the account within 421 days from the date of opening the account
(Important Note: The amount invested in Golden Harvest Scheme would remain locked-in for 300 days from the date of enrolment without any exception)
For Example ( Only If all installments are paid on due date )
A/C Opening Date Maturity Date Installment per month in Rs Discount on Jewellery purchase in Rs % of monthly installment
1st Jan 2015 1st Nov 2015 2000 1100 55%
1st Jan 2015 1st Dec 2015 2000 1300 65%
1st Jan 2015 1st Jan 2016 2000 1500 75%
1st Jan 2015 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?
YOU START THE SCHEME ON 1 JAN 2015.
 1st Installment
1st Jan 2015
Amount paid ( For ex )
Rs 30000
(assuming) Gold rate on   1st Jan
Rs 3000
Hence, Grams booked
10 gms
2nd Installment
15th Feb 2015
Amount paid ( For ex )
Rs 10000
(assuming) Gold rate on 15th Feb
Rs 3100
Hence, Grams booked
3.22 gms
YOU REDEEM
This process continues till the last instalment in August 2015. Assuming that in 8 months you’ve booked 100 grams, this is how you can redeem it.
Date of redemption
1st Sep 2015
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 2015.

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