Jewel Saving Plan

LTM Presents The Most Beneficial Scheme "Lalitha Free Gold Saving Plan".

A SMART,SAFE, EASY way to invest in gold.

The minimum amount to open an account is Rs 1000/- or in multiples of Rs 1000, for 16 months.
  •   FREE GOLD:

    Pay for 16 months and Lalitha will pay your 17th installment in the form of free gold at the Maturity.


    Protect Yourself From Increasing Gold Rates" As The Gold Is Credited Your Account At The Prevailing Rate Every Month.


    Your Monthly installment will be converted in form of gold at the prevailing market price


    No wastage will be charged upto 14% on jewellery selected by you at the maturity, for the accumulated gold weight.

    Even if the weight exceeds, Normal wastages * isapplicable for the extra weight.


    No making will be charged for the jewellery selected by you.

    (Not applicable for Exclusive/Signity/Ruby/Emerald/Diamond and Platinum jewellery)

  •   ZERO% VAT:

    Value Added Tax(VAT) for the purchased jewellery will be borne by LTM.


    Gold coins(916 purity) can also be purchased for the accumulated gold weight on maturity.

Terms & Conditions For Jewel Saving Plan

  1. The monthly installment must be paid for 16 months.Lalitha will pay 17th installment as a FREE GOLD.
  2. Monthly payment will be converted into gold weight at prevailing market rate and credited in your account
  3. The installment cannot be carried over or paid in advance
  4. Advancement of maturity date is not permitted.
  5. Free gold will be given after 30 days of the 16th installment
  6. If gold jewellery bought, exceeds gold weight accumulated in this scheme the difference amount and wastage(va) on the excess weight has to be paid
  7. Special jewellery/cz/ruby/emerald stones/cz jewellery/diamond jewellery/platinum jewellery is not covered under the scheme but can be purchased by paying wastage/making charges as aoplicable.
  8. Default members are entitled to pay wastage(VA) making charges and VAT as applicable.No cash refund will be made under any circumstances.
  9. Payment is accepted in Cash/cheques/DD/Pay order's, Favouring "LALITHA THANGA MAALIGAI"
  10. In case of dishonouring of cheques bank charges will be levied and difference in the gold will be charged.
  11. Members paying their installments by post are requested to update their pass book as soon as possible.
  12. Lost pass book will be replaced only after the member produces an affidavit and a payment of rs50, the new(duplicate) pass book will be issued only the next day.
  13. Customer signatures should tally at the time of maturity purchase with the applicant's signature.
  14. The validity of this plan is 24 months from the date of the last installment.
  15. It is at the sole discretion of the company to alter, amend, modify, add or delete any of the terms and conditions's from time to time.
  16. This scheme is unique and will not be clubbed with any other offers
  17. All disputes are subject to chennai jurisdiction

I have read and agreed to the Terms and Conditions