How can I save with Tanishq?
Tanishq’s ‘Golden Harvest Savings Scheme’ brings you the best savings scheme ever, leading to easy purchase of Tanishq Jewellery of your choice. Under the Golden Harvest Savings scheme, Tanishq will add a special bonus at the end of the scheme, which means - you get more than you pay for!

Why should I enroll in this savings scheme with Tanishq?
Tanishq - from the TATA group of companies – India’s largest and most trusted business house; is the only national jeweler with 115 stores in the country. You can be assured that your savings with Tanishq are totally safe and secure.

You can gift jewellery!!
Gifting Tanishq - India’s most desirable brand of jewellery will surely be greatly appreciated by your family and friends. You can use this scheme to plan for many special events – jewellery for your wife’s / daughters next birthday, or a surprise gift for your wife on your next wedding anniversary, or a jewellery purchase for the next important festival.

Plan your wedding purchases in advance!!
This savings scheme enables you to plan for wedding jewellery purchases, more than a year in advance. In addition, Tanishq’s special bonus at the end of the scheme period helps you stretch your jewellery budget at the time of a loved one’s wedding.

Become an Anuttara Member!!
Enroll with an installment of 3,000/- or more and become an Anuttara Member - Tanishq’s loyalty program & enjoy a relationship more precious than gold!

What are the jewellery products that I can buy with Tanishq through this savings scheme?
Tanishq has an exciting range of jewellery in 22 karat pure gold and 18 karat diamond studded and platinum jewellery. The jewellery is designed by international award winning designers and crafted by expert karigars. Also on offer is custom made jewellery, wherein you can specify the design you want and it will be especially made for you. Solitaires, gold and Silver coins cannot be redeemed under this scheme. No cash refund can be taken under this scheme.

How much money do I need to invest to enroll in this scheme?
You need to invest only Rs 500/- per month to enroll in this savings scheme. If you choose to, you are welcome to deposit a bigger amount every month, so long as each monthly installment is in multiples of Rs 500/-. You can choose from two convenient savings scheme options – 11 + 1 plan (redemption after 12 months only) and an extended plan (18 monthly installments).

Infact, the golden harvest scheme provides you with much better returns than savings options offered at other places. Savings with Tanishq is therefore a smart and rewarding move.

Is this savings scheme flexible enough to suit my capacity and needs?
Only under the 18 months scheme, you can save as much as you chose to, and you can save according to your capacity. For instance, if you started this savings scheme with a monthly installment of Rs 1,000/- , you have the flexibility to vary subsequent installments –you can reduce the next installment to 500/- or increase it to 10,000/-.

However, under the 11+1 scheme, the monthly installments are always fixed.

Can my a/c be transferred?
Tanishq offers you the unique option of transferability among 115 stores across 75 cities.

What happens if I miss paying an installment deposit?
Under the 11+1 scheme, you are required to pay the installments on monthly due dates based on the starting date of the scheme; If you miss an installment on due date or a month(s), your eligibility for purchase i.e. the maturity date will get postponed by the total number of cumulative days / months that you missed or delayed the installment payment. No bonus will be payable for premature closure under the 11+1 scheme, under any circumstances.

Under the 18 months scheme, the bonus will be proportionately reduced by the number of days delayed for every installment missed or paid late, at the time of maturity of the scheme.

Bonus Table: