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Aadi Gold+ scheme

Thangamayil Jewellery Limited offers the Aadi Gold+ Scheme ("the Scheme") to its customers as a special savings opportunity for Aadi Perukku. By enrolling in this scheme, the user agrees to the Terms and Conditions outlined below, along with those included in the Terms of Use of Thangamayil Jewellery.

1. Eligibility

Eligibility Criteria for Aadi Gold+ Scheme To be eligible to join the Aadi Gold+ Scheme, you must fulfill the following criteria:

1.1. You must be an Indian citizen with a valid Permanent Account Number (PAN) issued by the Income Tax Department of India.

1.2. You must be at least 18 years of age and legally capable of entering into a binding contract.

1.3. You must have a registered and active user account with Thangamayil Jewellery.

1.4. You must have a valid and active bank account with any recognized bank in India.

1.5. You must have a valid and active mobile number and email address registered with the scheme.

1.6. You must agree to comply with all the terms and conditions of the Aadi Gold+ Scheme.

2. Joining Scheme

2.1. Users can join the Aadi Gold+ Scheme through the Thangamayil DigiGold mobile application.

2.2. Users must submit all required KYC details in the prescribed format and ensure that the registered name matches a valid ID proof, which will be required for verification at the time of redemption or purchase.

2.3. Enrollment is confirmed only after the first payment is successfully processed and credited to Thangamayil Jewellery Limited's bank account.

2.4. At any given time, users are permitted to enroll in only one Aadi Gold + scheme.

3. Duration (Tenure)

3.1. The Aadi Gold+ Scheme will be active to join from 01-May-2026 to 31-July-2026. Users can enroll and make their first payment within this period. The scheme will mature on 03-Aug-2026, after which users can redeem their savings.

4. Savings

4.1. The Aadi Gold+ Scheme allows users to save in gold with Thangamayil Jewellery Limited and use their savings to purchase gold or diamond jewellery at Thangamayil stores or online.

4.2. Users can save in multiples of ₹100, ₹200, ₹300, and more, subject to the minimum and maximum limits specified at the time of enrollment.

4.3. The amount saved will be credited to the user's Aadi Gold+ account and reflected in their balance.

4.4. Users can make multiple savings during the scheme period, starting with a minimum installment of ₹2,500.

4.5. The gold price at the time of purchase may vary based on market fluctuations, and the applicable price will be determined at the time of purchase.

4.6. Payments for the Aadi Gold+ Scheme can only be made through authorized Thangamayil Jewellery channels and cannot be processed through any third-party means.

4.7. After the maturity date of 03-Aug-2026, users cannot make further savings in the same scheme but can enroll in a new scheme if they wish to continue saving.

4.8. Users can track their savings and balance through the Thangamayil DigiGold App and will receive a confirmation for every transaction.

5. Benefits

5.1. The Aadi Gold+ Scheme allows users to save their money based on the current market gold rate, enabling them to lock in the gold rate at the time of each payment.

5.2. This scheme allows users to build their gold savings with ease while securing a valuable investment for the future.

5.3. Users can receive additional benefits of up to 3% on their savings, as per the following structure:

• May 1 to May 31 : Up to 3% additional benefit
• June 1 to June 30 : Up to 2% additional benefit
• July 1 to July 31 : Up to 0.5% additional benefit

5.4. No reward or benefit will be applicable on savings made from August 01 to August 02.

5.5. Users can utilize their savings after maturity to purchase gold or diamond jewellery at Thangamayil Jewellery stores or online.

5.6. The final value will be based on the total gold weight accumulated through the scheme and the applicable terms at the time of purchase.

5.7. The above benefits are applicable only when the customer purchases gold or diamond jewellery after the scheme maturity.

5.8. These benefits are not applicable for gold coins, silver product and silver jewellery. Where as you can purchase these products for your direct saved money on the purchase day's board rate.

6. Redemption

6.1. Users can use their saved gold weight to purchase 22kt gold or diamond jewellery from Thangamayil Jewellery, subject to the scheme terms and conditions.

6.2. There is no early redemption option; users can utilize their savings only after scheme maturity.

6.3. Requests can be initiated at any Thangamayil Jewellery showroom, online or by contacting the official support team.

6.4. Users can utilize their savings on 03-Aug-2026, as per the scheme guidelines.

6.5. The saved amount will be converted into gold weight based on the gold rate at the time of each payment.

6.6. The final value will be based on the total gold weight saved and the applicable rate at the time of purchase.

6.7. Users must pay applicable value-added charges such as making charges, wastage, stone charges, and hallmark charges, if applicable.

6.8. Only the registered user can utilize the scheme, and they must provide valid identification proof such as Aadhaar, PAN, Driving License, or Voter ID.

6.9. Users must utilize their scheme within 35 days from the maturity date; failing which, the scheme may be cancelled as per terms.

6.10. This facility is available only at Thangamayil Jewellery showrooms online and cannot be processed through third-party or external retailers.

6.11. Users are responsible for any applicable taxes or duties at the time of purchase.

6.12. For transactions above ₹1.75 lakhs, PAN details must be provided as per government regulations.

6.13. For transactions exceeding ₹2 lakhs, submission of PAN copy is mandatory as per income tax laws.

6.14. Thangamayil Jewellery reserves the right to modify or update these terms at any time without prior notice.

7. Online Redemption and Delivery

7.1. Users can utilize their saved gold weight to purchase gold or diamond jewellery at any Thangamayil Jewellery showroom or online.

7.2. Only the registered user can utilize their savings. Valid identification proof such as Aadhaar, PAN, Driving License, or Voter ID must be provided at the time of purchase.

7.3. This facility is available at all Thangamayil Jewellery showrooms across Tamil Nadu or through official Thangamayil support channels and online.

7.4. Users can utilize their savings after 03-Aug-2026 or any time thereafter, as per the scheme guidelines.

7.5. Users must pay applicable value-added charges, including making charges, wastage, stone charges, and hallmark charges, if applicable.

7.6. If the purchase value exceeds the saved gold weight, users should pay the remaining balance using available payment methods at the showroom or online.

7.7. Online delivery is available; users can complete their purchase without visiting the showroom, subject to applicable conditions through the official thangamayil website www.thangamayil.com

7.8. The scheme cannot be cancelled, and no refunds will be provided. The scheme is intended only for gold savings and jewellery purchase.

7.9. All transactions are subject to prevailing Indian laws, and any disputes will be under the jurisdiction of Indian courts.

7.10. The gold rate applicable for purchase will be based on the gold rate at the time of each payment, ensuring rate protection for the savings made.

7.11. Users must utilize their savings within 35 days from the maturity date; failing which, the scheme may be cancelled as per terms.

7.12. For transactions above ₹1.75 lakhs, PAN details must be provided as per government regulations.

7.13. All applicable charges will be clearly communicated at the time of purchase to ensure full transparency.

7.14. Thangamayil Jewellery Limited reserves the right to modify these terms at any time without prior notice.

8. Refund

The Aadi Gold+ Scheme is designed for gold rate locking and purchase of gold or diamond jewellery. Users cannot request a refund of their saved amount under any circumstances.

Note: Customers are advised to carefully read and understand the terms and conditions before joining the Aadi Gold+ Scheme. Thangamayil Jewellery Limited reserves the right to modify or alter the refund policy without prior notice.

9. Disputes

9.1. In case of any Dispute(s)/Difference(s)/Claim(s) arising out of these terms and conditions shall be resolved by the arbitration by the arbitrator(s) nominated by the Chamber Arbitration Tribunal (ChaAT), Madurai, Established by Tamilnadu Chamber Of Commerce & Industry, Madurai and administered by Tamilnadu Chamber Foundation, Madurai and Chamber Artbiration Tribunal (ChaAT) rules, 2007 shall prevail. Both the parties agree that the Arbitral awards so rendered by ChaAT shall be binding on them, The proceedings shall be in favour of english or tamil or both and the venue shall be at Madurai.

10.How to redeem-Aadi Gold+

10.1. Aadi Gold+ savings will be automatically considered for utilization on 03-Aug-2026.

10.2. Users can use their saved gold weight to purchase gold or diamond jewellery at any Thangamayil Jewellery showroom across Tamil Nadu or shop online.

10.3. If users wish to purchase jewellery of a higher value than their saved gold weight, they should pay the difference amount at the showroom or online.

10.4. Online purchase options are available; customers can also visit our official website and purchase their products.

Note:Users must bring valid original identification proof (Aadhaar, PAN, Driving License, or Voter ID) for verification at the time of purchase.Applicable value-added charges such as making charges, wastage, stone charges, and hallmark charges must be paid by the user.The minimum purchase value of the selected product must be equal to or greater than the saved gold weight.