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The scheme is known as KGR GOLDEN PATH”.
Coverage of the scheme is in the State of Kerala through the branches located within the State of Kerala.
The scheme is applicable for the product offered through KGR GOLDEN PATH”(herein after referred to as the ”company”) branch office, situated in Kerala state if any customer avail more than one product, during the scheme period, he /she shall be eligible for participating multiple times.
The scheme is valid for resident citizens of India who is at least eighteen years of age not been of an unsound mind and much not be under any legal disability.
The terms and conditions are governed in accordance with the laws of India, any dispute shall be subject to the jurisdiction of competent court at Ernakkulam.
Information provided to the company including the roof address , identity, contract details etc., shall deemed to be non-confidential and the company shall be free to reproduce, distribute, display such feedback the company serves the right to analyze and summaries information/ data collected and also reserves the right to public, distribute, share summarizes of the information or data collect without limitations or obligation of any kind.
Refunds are not possible before the maturity date. Those who force to close the scheme before maturity and those who default on the installments will not be eligible for the scheme benefits. Gold coins or Gold biscuits can be acquired only after 30 days of the scheme's expiry.
Refunds are initiated only upon request by the KGR GOLDEN PATH member, except in the case of death, where the nominee needs to submit the request.
The KGR GOLDEN PATH scheme requires a minimum locking period of 6 months. If you close the scheme after 6 months, you may receive a refund of the amount paid along with minimal bank interest on special requests. However, if you close the scheme before 6 months, you will not be eligible for a refund.
• The duration of the scheme is 12 months
• One can join this investment scheme in monthly installments ranging from Rs.1000 to Rs.50000.
• One can choose one or more investment schemes.
• Instalments in one investment scheme cannot be transferred to another person's name or to another investment scheme.
• On the day of acquiring BULLIONS/GOLD COINS, members should present in person with pass book, photograph, original ID card and PAN card.
• Total installments above Rs.2,00,000 will not be accepted as cash.
• The first installment of the scheme can be paid directly at the showroom by cash, UPI or card. Subsequent installments can be paid by cash, NEFT, IMPS, UPI or card.
• Withdrawal is not possible before maturity, those who are forced to close the scheme before the maturity and those who default on the installments will not be eligible for the scheme benefits. Jewelry/Gold Biscuit/Gold coin can be acquired only after 30 days of expiry.
• The scheme must be closed within three months after the scheme expiry. Otherwise the scheme benefits will not be availed.
• The final decision making authority for all matters regarding this scheme will be the management of "KGR GEMS&BULLIONS Pvt Ltd".
• Changes in Government Act from time to time will be applicable to the schemes