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GOLD PURCHASE PLAN (A Scheme That Beats Inflation!)

Objective                       

Period                              
Monthly Remittance    
Documentation Fee        
Mode of Remittance    

: To facilitate planned purchases of Gold in affordable
    instalments, beating Inflation!
: 24 months
: Minimum Rs. 300/-; thereafter, in multiples of Rs.100/-
: Rs. 40/- (Refundable)
: Cash/Cheque (advance payment of instalments can be done through post-dated cheques)
How You Benefit :
* No Making charges!
* No Wastage!
* No Taxes! ( We bear them for you!)
* Beat inflation!
* Discount on cash purchases of Gold/Diamond!

How the Scheme Works:
Every month when you make your remittance, your cash is converted to Gold as per our prevailing Gold Rate. Thus you accumulate Gold every month for 24 months.  On maturity, you can take any Gold ornaments from our showroom equal to the weight of your accumulated Gold - FREE of Making Charges, Wastage and Sales Tax, irrespective of the Gold Rate on the date of  your purchase!

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SWARNA NIDHI SCHEME IS CLOSED FOR NEW MEMBERS

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RUPEE & GOLD DEPOSIT SCHEME
Deposit with Chemmanur and see your Money/Gold grow!
1.Gold Deposit :
Period                        : 2 years
Rate of Interest        : 6% p.a. (In Gold, by weight)

* Instead of stacking away your unused Gold at home or in a locker, deposit it with Chemmanur and
   earn attractive returns - IN GOLD!

* Protect your Gold from theft!
* Automatically convert your old, outdated Gold ornaments into the latest fashion jewellery!

2. Rupee Deposits :
* Minimum Deposit : Rs.5,000/-
* Additional Incentive available on 1, 2 and 3-year deposits where interest is paid annually or on maturity of the deposit!
* Discount given on Cash purchases of Gold Diamond!
* Post-dated interest cheques issued in advance, for one year at a time, in the case of Fixed Deposits
(Interest is paid Monthly, Quarterly, Half-yearly and Yearly on Fixed Deposits!)
* Interest Paid in Gold on Gold Deposits!
* Nomination Facility available!


GOLD DEPOSITS

   Any Quantity

PERIOD Rate P.A
2 Years 6%

FIXED DEPOSITS

   Period

Rate P.A Incentive Annual Yield
3 Years 11% 0.5% 11.50%
2 Years 10.5% 0.5% 11.00%
1 year 10% 0.5% 10.50%
       

SHORT - TERM DEPOSITS

Rate P.A 180 Days 90 Days Any Time Money
8.5% 8% 6%

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DIAMOND PURCHASE PLAN
Objective   
Period
Monthly Remittance
Documentation Fee
Mode of Remittance
: To make Diamonds within the reach of everyone!
: 24 months
:Minimum Rs.500/-; thereafter in multiples of 100
: Rs. 200/- (Refundable)
: Cash/Cheque (advance payments of instalments can be done  through     post-dated cheques)
How You Benefit :

* Freeze the price of your Diamond 24 months in advance! (If there is a rise in price, you won't be
   affected; if there is a fall, you pay only the lower price!)
*
Discount of Rs.2,000/- per carat on the Diamond price!
* Option to take loose Diamonds, Diamond Ornaments, or Gold Ornaments on maturity!
* 20 grams of gold per carat of Diamond will be free of Making Charges and Wastage! No taxes on
    the gold and the Diamond (We bear them for you)!
* Buyback guarantee: Return your Diamonds any day and get Minimum 100% refund of the value of
    the Diamonds!
* Convert the Diamond Purchase Plan to Gold Purchase Plan!
* Discount on cash  purchases of Gold/Diamond ornaments during the tenure of your membership!

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At Chemmanur the price is right. And there is no compromise on Quality!

Chemmanur Jewellers
Unity Buildings, J. C. Road, Bangalore - 560 002. INDIA.
Tel : +91-80- 22221928, 22238539, 32904080, Fax : +91-80-22210559
E-mail :
chemmanur@vsnl.com