DELIGHTFUL SURPRISE: Contributing every month for the eventual purchase will make things a lot easier. Moreover, the discount at the time of purchase would mean that you can now gift jewellery with no worries.

WEDDING IN FAMILY: You can opt for this SWARNBARAS to plan your wedding jewellery purchase in advance and stretch your budget with the discount provided by us at the end.

PLAN SPECIAL OCCASIONS: Make your special occasion, like your daughter's birthday, your wedding anniversary, etc., even more memorable by planning your surprise in advance.

DESIGN ADVANTAGE: Choose from a variety of over 20,000 designs developed by our award-winning in-house designers.

EASY PAYMENTS: You have the comfort of multiple payment modes such as cash, cheque, online payments and website through your Credit Cards and ACH (Automated Clearing House).

VALIDITY: SWARNBARAS is a jewellery purchase plan where the customer has to pay 11 installments and his/her account maturity would start after 365 days from the date of joining.

DESCRIPTION: SWARNBARAS will allow the customer to pay 11 fixed monthly installments of a minimum of ₹10,000 or above (in multiples of ₹5,000). The customer has to pay on installment basis every month. More than one installment in a single month is not allowed.

ENROLLMENT: You can enroll for the SWARNBARAS plan by visiting VCJ Bespoke Jewellery in South Ex-I or online by registering on the Company Website https://vcjindia.com or WhatsApp number: +91 90795 90795

REDEMPTION: The customer is mandatorily required to redeem his/her account 365 days from the date of enrollment.

POST MATURITY: In case the customer does not redeem within the set tenure, he/she will be refunded the total installment paid value without any benefits.

DOCUMENTS REQUIRED: SWARNBARAS account holder is required to provide a copy of his/her photo ID like Ration Card/Passport/Pan card/Aadhar card/Driving License/Voter ID, etc.

1. SWARNBARAS is an initiative taken by VCJ Bespoke Jewellery, which gives its patrons a platform to make effective and efficient purchases of jewellery.
2. This plan facilitates its patrons to purchase jewellery from VCJ Bespoke Jewellery by making payments for the same over a 12-month period. The patron will be required to pay a total of 11 fixed monthly installments of the principal amount. As an additional benefit, the 12th and the final installment would be completed by the Company.
   
3. The minimum required principal amount to initiate this service is ₹10,000/- (Ten Thousand Rupees).
   
4. The patron will have the benefit of paying the installment using any sort of payment mode. You can easily pay with cash, cheque, card, or online via your credit card app.
   
5. During the subscription period, if the patron wishes to withdraw, refund would be provided up till the previous completed payment.
   
6. There will not be a fixed date set up for the payment and the patron will be given full flexibility to make the payment anytime during the month.
   
7. If the patron fails to pay the installments for 3 consecutive months, an automatic withdrawal would be initiated and the amount till the previous month would be refunded.
   
8. No additional benefits would be provided to the patron during the purchase after the maturity at the end of the year.
   
9. While making the purchase after maturity, Gold Coins cannot be availed by the patron. In case they wish to purchase it, the interest amount paid by the Company for the 12th month will not be applicable. The patron themselves will have to complete the payment for the same.
   
10. In case the patron fails to redeem and make the purchase within the set tenure, they will be refunded the total payment value made through each installment without any benefits.

Established in 1982, VCJ has exemplified fine craftsmanship and has adorned jewellery connoisseurs with bespoke pieces that are crafted with passion and sparkle with precision. We firmly believe every jewel should be as unique as you, and our bespoke artistry ensures it is so. Explore the epitome of perfection and adorn your most special moments.