Tanishq Gold Schemes

1. A fixed instalment amount must be paid on the due date each month for 10 months. 

1. The minimum deposit value is Rs.2,000, which can be increased in multiples of Rs.1,000. 

1. After 10 months, enjoy a special discount of up to 75% of the first instalment value paid. 

1. It is mandatory to close the gold deposit account within 400 days from the date of opening the Gold Harvest account. 

Benefit of Tanishq Gold Harvest - Jewellery Purchase Plan 

The benefits of the Gold Harvest Scheme of Tanishq are mentioned below: 

1. The scheme offers up to a 75% discount on the first installment value paid by the customer after 10 months. 

1. Allows the customer to become a member of Titan’s exclusive loyalty program to enjoy special privileges across all Titan formats. 

1. No Tax Deducted at Source (TDS) applies to Tanishq Golden Harvest discounts. 

1. Allows customers to redeem the benefits at any Tanishq store across India. 

1. Offers additional benefits by combining Golden Harvest benefits with ongoing offers for double advantages. 

1. Purity of jewellery can be checked for free and cleaned at nominal charges at any Tanishq showroom. 

How to Open Tanishq Gold Harvest Scheme? 

Tanishq Gold Harvest scheme can open online through Tanishq website or app. 

1. Visit the Tanishq website 

1. Click on ‘Open Account’ tab 

1. Click on the check box to agree to the terms and conditions 

1. Enter the mobile number as per Aadhar 

1. Click on ‘Proceed’ 

1. Enter the OTP (One Time Password) and click on ‘Verify OTP’. 

1. Enter the customer information  

1. Enter the date of birth 

1. Click on ‘Proceed’ 

1. Complete the procedure as per the instruction given on the website. 

Note: The Gold Harvest account can also be opened by visiting the Tanishq store. 

Documents Required 

To open the Tanishq Gold Harvest scheme, customers must submit photo identity and address proof along with other documents during enrollment, such as (any one of the following): 

1. Driving License 

1. Voter ID 

1. Passport 

1. Ration Card 

1. PAN Card 

1. Any other document issued by the Government, bank account details, etc.  

Customer Care Details 

For any queries regarding the Tanishq Gold Harvest Jewellery Purchase Plan, customers can reach out to the customer care center by either calling 1800-266-0123 or writing an email to tanishqcare@titan.co.in. 

Terms and Conditions Related to Tanishq Gold Harvest Scheme 

The following is the list of terms and conditions related to Tanishq Gold Harvest scheme: 

Installments and Payments: 

1. Only one installment per month is allowed. 

1. Payments must be made on the due date, which is the same as the enrollment date for subsequent months. 

1. A grace period of seven days is provided for installment payments, but failure to pay within this period reduces the applicable discount. 

Plan Maturity and Redemption: 

1. The plan matures 366 days from the enrollment date, with jewelry redemption available at Tanishq stores. 

1. Redemption must occur within 400 days of enrollment. 

1. The first installment payment date is considered the enrollment date. 

Discount Eligibility: 

1. Customers completing all 10 installments are eligible for a 75% discount on one month’s installment after 366 days. 

1. Redemption before 366 days but after 300 days provides a discount ranging from 55% to 75%, based on days and payments made. 

1. Redemption between 180 and 300 days offers a prorated discount based on installments paid. 

Pre-Closure Option: 

1. Pre-closure is allowed after paying a minimum of six installments and completing 180 days. 

1. Customers can either redeem jewelry for the accumulated amount or request a refund with a prorated discount voucher for jewelry purchases. 

1. Customers paying fewer than six installments are ineligible for any discount or voucher. 

Non-Redemption After 400 Days: 

1. If the account is not redeemed within 400 days, customers will receive a refund of their paid installments. 

1. A discount voucher for the applicable amount will be issued, valid only for jewelry purchases of equal or greater value than the installments paid. 

Refund Process: 

1. Refunds are made via cheque or online transfer, based on details in the enrollment form. 

1. Cash refunds are not allowed. 

Gold Rate Variations: 

1. Gold rates on invoices may vary by city, based on Tanishq’s corporate gold rate at the time of purchase. 

Eligibility: 

1. Only individuals can enroll; entities like companies, partnerships, HUFs, trusts, or NRIs are not eligible. 

1. Minors can enroll through their natural guardians. 

1. Enrollment using borrowed money is not permitted.