Buying jewellery on EMI allows you to break down the payment and enjoy the jewellery. Whether it’s a gold ring, a necklace, or a pair of diamond earrings, EMI options are helping most people make their dream a reality without breaking the bank.
Jewellery is more than an accessory, it represents tradition, emotion, and in many cases it is an investment. People buy jewellery during festivals, weddings, and special occasions. The amount of jewellery is high so jewellers give the EMI (Equated Monthly Instalment) option to the customer.
Zero Processing Fees
One of the biggest advantages is using zero processing fees. Unlike loans or credit purchases from other sectors where companies take hidden charges and processing fees from the customer, many reputed jewellery brands now offer EMI schemes with no additional charges.
This means you are paying the actual amount of jewellery, not more than this. This process makes it easier for customers to plan their finances.
10% booking payment
Many jewellers allow you to book your piece by paying just 10% of the total cost. This feature is especially helpful during festivals or wedding seasons when stock moves fast and popular designs sell out quickly. Booking with a 10% payment gives you peace. This small payment reserves your selected design for you while you pay the remaining amount in instalments.
Flexible payment terms
Another EMI option becoming increasingly popular is flexible payment terms. You can choose a payment period that suits your financial comfort, ranging from 3 months up to 24 months, depending on the jeweller’s policies. You get the benefit of wearing your chosen piece while managing your budget over time.
What type of jewellery you can buy on EMI
Today, most jewellers are offering EMI facilities for a wide range of jewellery, giving you the freedom to choose pieces that match your style and occasion.
Gold ring, earring, pendant
A small piece of gold like a ring, earring, or pendant is perfect for daily wear and you can easily buy it through EMI. This timeless jewellery is worn on occasions, festivals, and casual outings, and people gift it to their loved ones. EMI options make daily wear affordable.
Bangle, bracelet and kada
Traditional or modern bangle, bracelet can be worn on any attire. This are especially popular during wedding or festive seasons. EMI options allow you to enjoy the splendour without the immediate financial burden.
Chain and necklace
This can be worn at any time any where, this gives the look of luxury. Choosing EMI for chains and necklaces helps the cost over months, making it easier to afford that one of kind design you always want.
Diamond and Gemstone
If you buying luxury items like diamond rings or gemstone jewellery, EMI can be a game-changer. These items are not just stylish but also useful for future as valuable long term investments. By paying through EMI, you can buy premium quality diamond or gemstone jewellery without breaking your savings.
Purchase Gold Jewellery with Easy EMI Options
Online platforms have made it more easier. With just a click, you can choose your piece, otp for EMI at checkout, and complete your purchase from your home. Many reputed jewellery brands partnered with financial institutes which offers easy EMI options on there showrooms or stores
One more option, You can go to a store, choose your jewellery, and apply for EMI on spot. In most of the time you will need just basic documents like identity proof, address proof, and income details. The approval process is quick, and you can walk out wearing your new jewellery the same day.
Is jewellery available on installment?
Many jewellers also offer gold saving, schemes that act like monthly investment plans for future purchase. These scheme allows customer to may the fix amount every month usually 11 to 12 months. At the end you can use the amount to buy gold jewellery. Some scheme gives bonus offer to like for paying 11 months and getting the 12th month free from the jeweller. This act adds the value on your investment.
Combinig of gold and scheme of EMI can be smart strategy gor your finance. You can start with a savings plan and then convert the remaining payment into EMI, ensuring on your finance while enjoying high-value jewellery.
The Advantages of jewellery be paid for over time?
Gold has always a safe investment, the high price per gram makes it difficult for many people to invest large amount at once. EMI offers a best solution to affordable investment in gold. Here are some benefits:
- Emotional Fulfillment – Jewellery often marks important life events. EMI ensures you don’t miss on these moments due to budget constraint.
- Build Credit History – If you owing for EMI through a financial institution or credit card, your timely payments can help build or improve your credit score.
- Budget-friendly – Your monthly instalment are pre-planned and fix, so you can use your budget without compromising your lifestyle.
- Immediate Possession – Usually saving schemes you have to wait until maturity, EMI allows you to wear your jewellery immediately while pay over time.
- Accessibility – You do not need a large amount to start invest in gold. EMI makes it possible for almost everyone to own jewellery.