Lab Grown Diamond Jewellery India | Svaraa - Certified & Sustainable Luxury

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Growing Monthly Plan

Enter Monthly Amount

₹

Benefits you will get

Month 7

₹7,000

100%

Month 10

₹10,300

130%

Advantages

of Growing Brilliance

Best Return

Get best returns of up to 130% (*T&C apply)

Flexibility

Choose between 6th to 9th month to plan special occasions like Birthday/ Anniversary, Diwali, Valentine’s Day etc.

Grace Period

Get a grace period of 10 days, so you will never lose a special discount if you missed the due date.

Multiple Account

To spread more joy you get an option to open more than one account to make your occasion special.

Kalamandir Trust

Rest assured that your purchase plan comes with the trust of Kalamandir Jewellers, a synonym for trust and reliability.

Ideal For Everyone

Plan the jewellery that you aspire to.The plan starts from just ₹1000.

No Limitation

You can buy any diamond studded/platinum jewellery.

Cumulative Benefits

Double the deals, triple the sparkle. Club special vouchers & gift cards with Svaraa GEM and shine smarter.

Plan Calculator Table

Showing Results for:

Monthly I Want to Invest:

₹1K

Showing Results for:

Monthly I Want to Invest:

₹1K

Your Total Payment

(9 Installment)

₹9,000

130% Svaraa Benefit on 10th Installment

(Equal To 1.3 Month Installment)

₹1,300

Buy jewellery worth

₹10,300

EARLY REDEMPTION

Effective Pay100%

₹7,000

Redemption in 7th month

Your total payment

(6 Installment)

₹ 6,000

You can buy jewellery worth:

(After 7th Month)

Rs. 7,000

Effective Pay130%

₹10,300

Redemption in 10th month

Your total payment

(9 Installment)

₹ 9,000

You can buy jewellery worth:

(After 10th Month)

Rs. 10,300

Get In Touch

Frequently Asked Questions

Svaraa Jewels is here to help you cherish your sparkle, every step of the way.

Have more questions?

The minimum monthly instalment amount for GEM is typically ₹1,000. Please check with Svaraa for the latest terms.

The maximum limit for the GEM plan is ₹5,00,000.

No, GEM accounts cannot be clubbed. Each GEM plan is independent and linked to a specific customer ID.

Yes, you can pay in cash every month at Svaraa stores, but only up to a limit of ₹1,99,000. For amounts exceeding this limit, payment must be made through digital modes such as UPI, credit/debit cards, or bank transfers.

With Svaraa GEM, you can purchase diamond-studded and platinum jewellery at Svaraa stores or through their online platform.

You can enrol by visiting a Svaraa store or the online platform, selecting your monthly amount and tenure. Enrolment requires valid supportive and authorised identification proof, such as an Aadhaar card or PAN card. The benefit includes a bonus from Svaraa at the end of your GEM plan, which adds to your savings toward a jewellery purchase.

No, once the GEM plan is set, the monthly instalment amount cannot be changed.

You can view your active GEM plan details in your Svaraa account online or by visiting a Svaraa store.

Yes, Svaraa offers auto debit options for seamless monthly payments.

Auto debit must be set up with a valid bank account or card. Any failure in payment may result in plan disruption.

Yes, a GEM account can be opened in the name of a minor with a guardian as the primary account holder.

Yes, you can use your Svaraa Cash to enrol in a GEM plan.

While there's no restriction, Svaraa recommends using your own funds for better financial planning.

Yes, NRIs can enrol for GEM provided they have a valid Indian bank account for payments.

A bank account is usually needed for auto-debit and digital transactions, but you may enrol using cash payments at stores.

Yes, if you opt for auto debit or digital payments, bank details are required.

Yes, digital payments like UPI, card, and net banking are accepted at Svaraa stores.

A PAN card may be required depending on the value of the plan or regulatory guidelines.

Redemption is available after successful completion of the GEM tenure, usually 6 or 9 months.

No, premature withdrawals are not allowed under the GEM plan.

Redemption before completion of the plan period will forfeit benefits and is generally not allowed.

You become eligible once all instalments are paid and the GEM plan is completed.

Yes, you can club offers, vouchers at the time of redemption of your Svaraa GEM plan.

Visit a Svaraa store or redeem online and use your accumulated GEM balance toward jewellery purchase, including eligible bonuses.

A grace period of 10 days will be provided after the due date to make the monthly payment. In case of a delay beyond the grace period, 1% of the bonus amount will be deducted for each day of delay under the Svaraa GEM Scheme.

Full redemption is typically required. Partial redemption may not be allowed.

Yes, in the case of death, a nominee can redeem upon providing valid documents.

No, redemption can be done online or at any Svaraa store.

Yes, your GEM balance can be used for customised jewellery orders as well.

You can pay the remaining amount using cash, card, UPI, or any digital payment mode.

Yes, additional store or online discounts may be applicable, subject to terms.

Yes, special occasion coupons can generally be used during redemption, if not restricted by the terms.

Yes, but early cancellation may result in loss of benefits. Refunds will typically be processed for the paid amount only, excluding any bonus, and will be transferred within 7 working days. No bonus or benefit shall be given on cancellation.

Have more questions?

Terms & Conditions

Enrolment Date: The date on which the first instalment is successfully paid.
Company or Svaraa: Refers to Svaraa Jewels Private Limited.
Scheme: Refers to the Svaraa GEM Savings Scheme.
Scheme Term: The period ending 270 days from the Enrolment Date.
Instalment Term: The period ending 240 days from the Enrolment Date.
Cool-Off Period: The 30-day period following the Instalment Term, from Day 241 to Day 270
Redemption Window: The 45-day period from Day 271 to Day 315 following the Cool-Off Period, during which the GEM balance can be redeemed.
Cancellation by Customer: Occurs if a customer voluntarily exits the scheme during the Instalment Term or Cool-Off Period. In such cases, no bonus or benefit shall be given on cancellation.
Cancellation by Company: Occurs if the customer defaults on monthly payments for three consecutive months. In such cases, the GEM plan will be cancelled, and no benefit or bonus will be provided.
Customer: Any individual who meets the eligibility criteria, submits the necessary documents, and agrees to the Scheme terms.

100% Certified Jewellery

100% certified jewellery, genuine for every moment.

15 Days Easy Returns

15-day easy returns with a money-back guarantee.

Lifetime Exchange and Buyback

Lifetime exchange and buyback for easy upgrades.

Lifetime Warranty

A lifetime promise with every piece you choose.

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Explore Lab Grown Diamond Jewellery Collection & Design Online

Growing Monthly Plan

Advantages

Best Return

Flexibility

Grace Period

Multiple Account

Kalamandir Trust

Ideal For Everyone

No Limitation

Cumulative Benefits

Plan Calculator Table

EARLY REDEMPTION

Redemption in 7th month

Redemption in 10th month

Get In Touch

Frequently Asked Questions

What is the minimum amount that I need to set aside every month?

What is the maximum amount limit of GEM?

Can I club two or more GEM accounts with my GEM account?

Can I pay in cash every month?

What can I purchase with Svaraa GEM?

What is the enrolment process & benefit of the GEM scheme?

Is it possible to change the monthly amount in between the instalments?

Where can I check my active GEM plan?

Do you have any auto debit facilities for monthly instalments?

What are the auto debit limitations?

Can I open a GEM account for my minor daughter?

Can I convert my Svaraa Cash to a GEM plan?

Can I open a GEM account with borrowed money?

Can NRIs enrol for GEM?

Can I enrol for GEM without a bank account?

Do I have to disclose my bank details to enrol?

Can I make a digital payment at the store?

Do I need a PAN card to enrol for GEM?

What is the redemption window for my GEM Balance?

Can I withdraw my paid instalment after 2 months?

Can I redeem the amount before 9 months?

When will I become eligible for the discount/benefit from Svaraa?

Can I club Svaraa points or coupon codes while redeeming my Svaraa GEM account balance?

How can I avail the benefits of GEM during redemption?

Will late payment affect my Svaraa GEM account balance?

Can I redeem only part of the GEM amount?

Can a nominee be eligible to redeem on behalf of the enrolment person?

Do I have to come to a store to redeem the GEM Value?

Can I place an order for customised/personalised design with GEM account value?

How can I pay my balance amount if I purchase more than my GEM account balance?

Can I club extra discounts from Svaraa with my GEM balance?

Can I utilise my special occasions coupons while redeeming GEM?

Can I cancel my GEM plan at any time?

Terms & Conditions

Definitions

Enrolment Terms

Redemption Terms

Cancellation / Refund

Disclaimer

Why Choose Svaraa Jewels?

100% Certified Jewellery

15 Days Easy Returns

Lifetime Exchange and Buyback

Lifetime Warranty

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