Terms & Conditions

Last updated: July 2026 · The terms below apply to each ARC Ganesh Kumar Jewellers savings scheme.

DIGI GOLD

• You can join the scheme for ₹100 rupees or in multiples of ₹100. You can pay any amount for as many days as you wish.
• The amount paid will be calculated as gold weight based on the daily rate applicable on the date of payment.
• VA, Wastage, and Making Charges will be charged as applicable.
• You must pay continuously for 300 days from the first payment date. You can take the jewels on the 331st day.
• Special gift available.
• The prevailing GST rates shall apply.

Scheme Period and Special Benefit

• 01 – 75 Days 5.25%
• 76 – 150 Days 4.00%
• 151 – 225 Days 2.25%
• 226 – 300 Days 1.00%
• 301 – 330 Days 0.00%

DIGI SILVER

• You can join the scheme for ₹100 rupees or in multiples of ₹100. You can pay any amount for as many days as you wish.
• The amount paid will be calculated as silver weight based on the daily rate applicable on the date of payment.
• VA, Wastage, and Making Charges will be charged as applicable.
• You must pay continuously for 300 days from the first payment date. You can take the jewels on the 331st day.
• Special gift available.
• The prevailing GST rates shall apply.

Scheme Period and Special Benefit

• 01 – 75 Days 5.25%
• 76 – 150 Days 4.00%
• 151 – 225 Days 2.25%
• 226 – 300 Days 1.00%
• 301 – 330 Days 0.00%

DIGI MONEY FLEXI

• You can join the scheme for ₹100, or in multiples of ₹100, up to ₹1,00,000.
• You must pay the same amount for 200 continuous days.
• The amount paid will be calculated as gold weight based on the daily prevailing rate.
• VA, Wastage, and Making Charges will be charged as applicable.
• After paying the 200 installment amount, you can collect the jewels 30 days after the scheme period ends.
• The prevailing GST rates shall apply.

AKSHAYA GOLD SAVINGS SCHEME

• You can join the scheme with amounts ranging from ₹1000, ₹2000, ₹5000, ₹10000, ₹25000. You must pay the amount for as long as 11 months.
• The amount paid will be accumulated and the gold jewels can be purchased as per the gold rate on the date of purchase.
• No Wastage, No Making Charges, No VA.
• Once completion of 11 installments, you can collect the jewels after 30 days.
• A special gift will be provided.
• The prevailing GST rates shall apply.

SWARNA MAGHAL

• You can join the scheme with amounts ranging from ₹1000, ₹2000, ₹5000, ₹10000, ₹25000. You must pay the amount for as long as 11 months.
• The amount paid will be calculated as gold weight based on the daily rate applicable on the date of payment.
• No Wastage, No Making Charges, No VA.
• Once completion of 11 installments, you can collect the jewels after 30 days.
• A special gift will be provided.
• The prevailing GST rates shall apply.

ISWARYAM

• You can join the scheme with amounts starting from ₹5,000, ₹10,000, ₹20,000, ₹25,000, up to ₹30,000. You must pay the same amount as 6 month installments.
• Old gold exchange can be done on the same day as joining this scheme.
• No Wastage, No Making Charges, No VA.
• Once after completion of 6 installments, you can buy the Bangles or Chains or Gents’ Wrist Chains after 30 days.
• Special gift will be provided.
• The prevailing GST rates shall apply.

General

Gold and silver rates change daily; the rate displayed on the shop board at the time of the transaction applies. These terms are governed by the laws of India and are subject to the jurisdiction of the courts in Tamil Nadu.

Contact Us

ARC Ganesh Kumar Company, No.149, Pattamangala Street, Near Mani Koondu, Mayiladuthurai – 609001, Tamil Nadu. arcjewellers@gmail.com · +91 9626 11 4444.