Terms & Conditions

By accessing any Rupomoyee Jewellers showroom, website, or digital property — and by making any purchase, custom order, or enrolling in any scheme — you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, along with our Privacy Policy and Disclaimer.

These Terms apply to all customers, visitors, and participants in any Rupomoyee service or scheme. Rupomoyee Jewellers Private Limited reserves the right to modify these Terms at any time. Updated Terms will be displayed prominently at our showrooms and on our website. Continued engagement with our services following any update constitutes your acceptance of the revised Terms.

Rupomoyee Jewellers offers Gold Jewellery, Diamond Jewellery, Platinum Jewellery and Silver Jewellery. All items are priced on the prevailing live market rate of the metal on the date of purchase, plus applicable making and wastage charges and GST as per Government of India regulations.

• The board rate for gold (24K, 22K, 18K) displayed in the showroom changes daily based on market conditions and is final for all transactions made on that day.
• The final billing price will be the rate displayed on the store board at the exact time of transaction closure — historical or opening rates cannot be used for negotiation.
• All displayed prices, price tags, and digital listings are indicative only and subject to change without prior notice.
• GST at the applicable statutory rate (currently 3% on gold value including making charges) is charged separately on the final invoice and is borne entirely by the customer.
• Rupomoyee does not guarantee the continued availability of any specific design, product, or stone at any given time.

Product images displayed in our showrooms, catalogues, or on our website are for representational purposes only. Actual product colour, finish, and dimensions may differ slightly due to photographic conditions, screen calibration, and the handcrafted nature of jewellery.

Making charges and wastage are levied in addition to the metal value and vary by design complexity, crafting technique, and product category.

• Making Charges: Calculated per gram or as a fixed percentage of the net gold weight, depending on the design (for example, plain gold versus antique or Kolkata filigree work). Charges are communicated clearly at the time of billing.
• Wastage: Applicable on certain design categories as a percentage of gold weight, to account for metal lost during the manufacturing process.
• Weight Tolerance: A standard net weight tolerance of ±1% to ±5% applies to all customised or manufactured jewellery orders due to the intricacies of handcrafting, stone-setting, and polishing. Final billing adjusts to the absolute final weight recorded on our government-certified scales at delivery.
• Stone Weight: In stone-studded jewellery, the weight of stones (diamonds, gemstones, pearls) is excluded from the gold weight calculation. Gemstone carat weights listed on bills are approximate, calculated using standard dimensional formulas when set in jewellery.

Rupomoyee Jewellers accepts the following modes of payment, in compliance with Government of India regulations:

• Digital Payments: UPI (GPay, PhonePe, Paytm, BHIM), Debit Cards, Credit Cards.
• Banking Channels: Net Banking (IMPS, NEFT, RTGS) and Account Payee Cheques. Jewellery will be handed over only after the cheque has successfully cleared in our bank account.
• Cash: Accepted strictly within government-mandated limits (see Section 5 below).
• Custom Order Advances: For custom-made or booked jewellery, a minimum advance of typically 20% to 50% of the estimated value is payable at the time of order.
• Card Service Charges: Standard credit card merchant fees may either be absorbed by the showroom or passed on to the customer, depending on running promotional offers.
• Buyback Payouts: All cash-sale (buyback) settlements are made by account payee transfer only.

In the event of a failed UPI or card payment where the amount has been debited from the customer's account, jewellery will only be handed over once the funds reflect in our official bank account or the customer provides an alternative successful payment. Failed amounts are automatically reversed to the customer's account by their bank within 3–7 working days.

As per Government of India Income Tax rules and anti-money laundering (AML) regulations, Rupomoyee Jewellers is legally required to collect customer identity proofs based on transaction value:

• ₹50,000 and above (cash): A self-attested copy of the customer's PAN Card is mandatory.
• Purchases exceeding ₹2 Lakhs in a day (single or multiple): A copy of the PAN Card or Aadhaar Card is mandatory.
• High-value purchases: A valid address proof (Aadhaar Card) may additionally be collected for internal auditing and statutory compliance.
• Cash ceiling — ₹2,00,000: A single customer cannot pay ₹2 Lakhs or more in cash for a single transaction or invoice in one day, as per Section 269ST of the Income Tax Act, 1961.
• No split billing: Splitting a single purchase into multiple invoices below ₹2 Lakhs to facilitate cash payment is legally prohibited. Any total purchase value of ₹2 Lakhs or above must be settled via digital payment, cheque, or bank transfer.

Rupomoyee Jewellers Private Limited complies fully with the Prevention of Money Laundering Act (PMLA) and the Income Tax Act. Non-compliance by the customer with these documentation requirements may result in the transaction being declined.

All gold jewellery sold by Rupomoyee Jewellers carries BIS (Bureau of Indian Standards) Hallmark certification in full compliance with the Hallmarking of Gold Jewellery Rules and the HUID (Hallmark Unique Identification) mandate of the Government of India.

• 22 KT (916 purity) — 91.6% pure gold
• 18 KT (750 purity) — 75.0% pure gold
• 14 KT (585 purity) — 58.5% pure gold

Each piece carries a unique HUID number that can be verified on the BIS Care app or portal. This number guarantees the purity of the piece as stated on the hallmark stamp.

All diamond jewellery sold by Rupomoyee is accompanied by authenticity certificates from trusted gemological laboratories (such as IGI, GIA, or SGL), specifying colour, clarity, carat weight, and cut.

The following terms govern all exchange, resale and buyback transactions at Rupomoyee Jewellers. The original invoice is required in every case.

• Gold Exchange — No Deduction: No deduction is applied when exchanging jewellery manufactured by us. During exchange, both the new and the old gold are valued at the same rate. Customers are given 100% pure gold price after testing of the old gold.
• Gold Sale for Cash: When selling old gold for cash rather than exchanging, the old gold is valued at 6% less than the current market price. Payment is made by account payee transfer only.
• Diamond Jewellery — Exchange for Diamond: 100% of the diamond purchase invoice value and the current value of gold will be paid when exchanging our diamond jewellery. Making charges, wages and GST are non-refundable.
• Diamond Jewellery — Exchange to Gold or Resale: 85% of the diamond invoice value and 94% of the current price of gold will be available. In both cases the said wages are not refundable.
• Platinum Jewellery: 100% of the platinum purchase invoice value is refundable when purchasing platinum jewellery against platinum jewellery; making charges and GST are not refundable in any case. On resale of platinum and diamond jewellery sold by us, 80% of the platinum value and 85% of the diamond price will be available, and 94% of the current price of gold will be paid in all respects. Settlement by account payee only.
• Nose Pins: Nose pins sold by us cannot be exchanged. Where an exchange is unavoidable, the price will be given at the current rate of that day after deducting wages and GST.
• Silver: Silver items and jewellery cannot be returned or exchanged, and cash returns are not accepted.
• Exchange Window: Exchange of sold jewellery can be done only once, within 24 hours of purchase. Exchange timing is 2:00 PM to 6:00 PM.
• Purity Testing: Rupomoyee reserves the right to test the purity of any piece presented for exchange, and to adjust the exchange value to the actual purity found.

SWARNA SANCHAY is Rupomoyee's monthly savings plan. You pay a fixed instalment for 11 consecutive months, and Rupomoyee contributes the 12th month's instalment as a bonus — enabling you to purchase jewellery of higher value. The following terms govern enrolment and redemption:

• Structure: 11 instalments paid by the customer + 1 instalment contributed by Rupomoyee. Redemption takes place in the 12th month — one month after the final payment date.
• No Cash Refunds: The accumulated amount, including the bonus, must be redeemed strictly by purchasing jewellery from a Rupomoyee showroom. Cash refunds are not provided under any circumstances.
• Fixed Monthly Instalment: The instalment amount chosen at enrolment is fixed and cannot be changed during the scheme period.
• Payment Deadlines: Instalments must be paid on or before the due date each month (typically the 10th). Late payments may result in the maturity date being extended, or a reduction in the bonus at the showroom's discretion.
• Missed Instalments: If SIP payments are missed three times, the scheme is paused. A paused scheme may be redeemed at any time, but without any bonus benefit.
• Bonus Scope: The bonus applies to the jewellery purchase value only. GST (3%) and all making/wastage charges are payable separately by the customer at redemption, unless explicitly stated otherwise in a special promotion.
• Rate Option: Customers may choose an open gold rate or a locked rate. A rate lock applies where the metal value is paid in advance as agreed; partial advances without an explicit rate-lock agreement are billed at the prevailing market rate on the day of final delivery.
• Non-Transferable: Scheme enrolment is personal and cannot be transferred to another individual.
• Rupomoyee Jewellers reserves the right to modify, suspend, or discontinue the scheme with prior notice to enrolled members.

Rupomoyee Jewellers provides repair and maintenance services for jewellery purchased from our showrooms, subject to the following conditions:

• Complimentary Cleaning: Lifetime complimentary ultrasonic cleaning and polishing is available for jewellery purchased from Rupomoyee, upon presentation of the original invoice.
• Minor Adjustments: Minor adjustments such as ring resizing or chain link adjustments may be carried out free of charge within a reasonable period after purchase, at the showroom's discretion.
• Major Repairs: Repairs involving the addition of gold, replacement of stones, or structural restoration will be charged at current prevailing material rates plus applicable labour charges.
• Accidental Damage: The company will not be liable if sold jewellery is broken or damaged during use. Repairs will be undertaken at standard repair charges.
• Advance Money: No advance money paid against an order will be refunded by the company.
• Turnaround Time: Repair timelines range from 3 to 21 working days depending on the nature and complexity of the work required.

The following disclaimers form part of these Terms and are equally binding on all customers:

• Market Rate Fluctuation: Gold, silver, and platinum prices change multiple times a day based on international market variables and local bullion association rates. The final price is always the prevailing store board rate at the time of transaction closure and final billing. Rates cannot be negotiated based on historical or opening market trends.
• Handcrafted Variations: Most traditional and designer pieces — especially Bengali filigree, antique ornaments, and jadau work — are handcrafted by master karigars. Slight variations in design, finish, polish, and stone placement are natural characteristics of unique artisanal work and shall not be treated as manufacturing defects.
• Gemstone Treatments: Unless explicitly accompanied by an international laboratory certificate stating otherwise, gemstones and pearls may have undergone industry-accepted enhancements or treatments to improve stability or appearance.
• Typographical & Human Errors: Rupomoyee reserves the right to correct any accidental typographical, technical, or arithmetic errors in prices, gold weights, or making charges on estimate slips, price tags, or advertisements. In the event of an error, the transaction will be nullified, corrected, or recalculated based on true company tariffs.
• Catalogue & Digital Images: Images in catalogues or on digital screens are illustrative only. Actual product shades and dimensions may vary slightly under natural light and in person.

All content associated with Rupomoyee Jewellers Private Limited — including but not limited to jewellery designs, photographs, catalogues, logos, brand name, website content, and digital assets — is the exclusive intellectual property of the Company. Unauthorised reproduction, distribution, copying, or commercial use of any Rupomoyee content is strictly prohibited and may attract civil and criminal action under applicable Indian intellectual property laws, including the Copyright Act, 1957 and the Trade Marks Act, 1999.

To the fullest extent permitted by applicable law, Rupomoyee Jewellers Private Limited, its directors, officers, and employees shall not be held liable for:

• Any indirect, incidental, or consequential damages arising from the purchase, use, or possession of any jewellery purchased from our showrooms.
• Loss or damage to jewellery after it has been handed over to the customer and the invoice has been issued.
• Any financial loss arising from gold price fluctuations after the date of purchase or advance payment.
• Force majeure events including natural disasters, government orders, or circumstances beyond the Company's reasonable control.

Rupomoyee's total liability in any matter shall not exceed the original invoice value of the product or service in question.

These Terms and Conditions shall be governed by and construed in accordance with the laws of India. Any dispute, claim, or controversy arising out of or relating to these Terms, any purchase, scheme enrolment, or service provided by Rupomoyee Jewellers Private Limited shall be subject to the exclusive jurisdiction of the competent courts situated in Murshidabad, West Bengal, India, where the respective showroom is registered.

For any queries regarding these Terms, please visit any of our showrooms:

• Berhampore: 301 Netaji Road, Khagra, Berhampore — 742103 · Tel: +91 94741 51242
• Beldanga: Station Road, Chapakhana More, Beldanga — 742133 · Tel: +91 94344 65213
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• Rejinagar: Dadpur High School Road, Rejinagar — 742189 · Tel: +91 94753 02307