Yes, you can enroll online only for Jewels of India saving scheme.

You can start with just ₹100 a day, ₹500 a week, or ₹5,000 a month as your minimum installment.

No, the installment amount cannot be changed once the first payment has been made.

No, you don't need to select your redemption partner brand while enrolling. The selection can be made after the completion of the plan.

Yes, NRIs can open an account. Minors can also invest in their own name, but the account must be opened and operated by a parent or a court-appointed legal guardian on behalf of the minor.

Yes, enrollment requires submitting KYC documents, including a PAN card, as per regulatory requirements.

Any individual can be nominated, but nominees are typically close family members like spouses, children, or parents.

You can make payments via UPI, debit/credit card, net banking, or auto-debit as per your convenience.

Yes, we have auto debit facilities: UPI, Debit & Credit Card.

No, you can pay only one installment in a month.

If a payment fails, you can retry using the available online options. If the amount is debited but the payment fails, it will be credited back to your account within 3-5 business days. Missing an installment may delay your scheme maturity, and you will need to clear the pending amount to continue receiving benefits. No special benefits will apply if the full 10-months term is not completed.

Yes. If you opt for SMS notifications during enrollment, you'll receive reminders and confirmation messages for every payment, along with digital receipts sent to your registered mobile number. Please note this service may not work if your number is registered under DND/NDNC.

Whenever you want to see your instalment payment status, you can sign in to the Jewels of India website as well as Mobile Application, go to the 'Manage account & benefits' section to see your instalment payment details.

You can easily enroll online and pay a fixed monthly installment for 10 months. At maturity (in the 11th month), you will also receive up to 12% of your total savings as a benefit.

You will receive up to 12% of your total savings as a benefit.

No, a bonus installment is not provided. Instead, you will receive up to 12% of your total savings as an additional benefit at maturity.

Your savings scheme matures in the 11th month.

You can redeem your savings scheme balance at the next JOI show. If you are unable to attend, your balance can be redeemed as a gold coin delivered to your doorstep, with applicable delivery charges.

No benefits will be provided, if you redeem before maturity. You must complete the full 10-month term to avail the scheme benefits.

You can redeem your balance within 30 days after the scheme matures.

No, partial redemption is not allowed.

If your purchase exceeds the voucher amount, you will need to pay the difference directly to the partner brand.

Any remaining balance after your purchase will be available in your JOI wallet for future use.

Yes, you can redeem your balance across multiple products in a single transaction, provided the total value does not exceed your accumulated balance.

Yes, a nominee can redeem the account. Please ensure your nominee is registered and has the necessary documentation to complete the redemption process.

You can redeem your accumulated balance and bonus for gold coins, jewellery, or customized designs available through any JOI partner brand.

Yes, gold coins and unstudded jewellery designs are fully eligible for redemption through your JOI voucher.

Yes, you can use your balance to order customized or personalized jewellery online, and JOI will handle logistics for delivery.

Yes, you can combine applicable discounts, loyalty points, or coupon codes with your JOI balance during redemption, subject to partner brand policies.

Yes, every jewellery you buy from our partners you can see the hallmark seal as well as purity check on outside

Yes, it is safe and insured.

Yes, you can call customer care before the product is getting shipped and change the delivery address.

Yes, we offer international delivery. However, any additional shipping and customs charges will need to be borne by the customer.

If the product is defective or damaged, you can request a replacement or return through the partner brand, and JOI will assist in coordinating the process.

Yes, returns or exchanges are allowed for eligible products as per the partner brand's policy.

Products must be returned or exchanged within the partner brand's specified window and should be unused with original packaging.

If you return a product, the refund will be provided directly by the brand you purchased it from. The refund will follow the brand's policy (return credits) and will not be credited back to your savings scheme account.

Size or fit issues can be resolved through the partner brand's exchange policy, and JOI will coordinate the replacement if needed.

No, customized or personalized designs are generally not eligible for return or exchange unless defective.

For defective or damaged items, JOI covers the logistics/shipping cost. For other returns/exchanges, the shipping cost is handled as per partner brand policies.

Yes, you can cancel your savings scheme at any time. However, no benefits or cashback will be provided, and the amount must be used to purchase jewellery.

You can reach customer care through the official helpline number, email support, or the in-app/chat support feature for any queries or grievances.

If a partner brand discontinues its tie-up before your scheme matures, you will be informed in advance and given the option to redeem your accumulated savings with an alternate partner brand.

No, the scheme balance cannot be transferred to another person before maturity. However, in case of the account holder's demise, the nominee can claim the balance as per the scheme terms.

You can update your contact details by logging into your account on the app/website or by contacting customer care. Ensure your email and phone number are correct to continue receiving scheme alerts.

Yes, if you close your scheme before maturity, no benefits or cashback will be provided, and the accumulated amount must be used to purchase jewellery.

If you do not redeem your account within the redemption window, your accumulated savings will remain in the account, but no additional benefits will be earned. You will still be able to redeem the amount later according to the scheme terms.

Yes, applicable GST and making charges will be levied separately at the time of redemption, based on the prevailing rates of the jewellery purchased.