Navratnazz policy
Savings plan & refund policy
The monthly savings plan, the bonus month, how credit is redeemed, and exactly what a refund pays out.
Last updated 14 September 2026
Savings plan, in plain words
The Navratnazz savings plan lets you set aside money each month towards jewellery you will order from us. Minimum ₹5,000 per month, in multiples of ₹1,000. Every instalment we receive is recorded in your client portal the same working day, with the payment reference.
The bonus month
Complete 12 consecutive monthly instalments and Navratnazz adds a bonus of 8.33% of your total invested amount — the equivalent of one month, calculated on a weighted month-by-month basis so that a single large late instalment cannot inflate it. The bonus is credited once the 12th instalment is recorded and verified.
Bonus conditions
The bonus is redeemable credit against jewellery ordered from Navratnazz only. It is not cash, is not withdrawable, is not transferable, and carries no interest. Missing an instalment by more than 30 days may reset the 12-month count; we will tell you before that happens. The bonus lapses if unredeemed 24 months after it is credited.
Redeeming your balance
You can redeem your balance in two ways from your client portal: order a piece from our gold or silver atelier, or place a custom make-to-order request. Credit is applied against the order value at checkout. If your balance is less than the order value, the difference is payable as per our standard 80/20 payment terms.
Refund before 12 months
You may discontinue at any time. On an approved request before the 12th instalment, you receive the exact amount you invested, less a 2% discontinuation charge on the invested amount, which covers administration and record keeping. No bonus is payable on an early exit.
How a refund is processed
Raise the request from your client portal. Your portal shows the exact payout figure before you submit. Approved refunds are paid to the same bank account or UPI ID the instalments came from, within 10 working days of approval. We may ask for identity verification before releasing funds.
Refunds on jewellery orders
Make-to-order jewellery is made for you alone and cannot be resold as new. Once work has begun, the 80% advance is non-refundable, because metal has been purchased, stones parcelled and bench time allocated. If we cancel or cannot deliver, you are refunded in full. Manufacturing defects are repaired or remade free of charge — see our terms.