It's our KESAV Privilege 12™ plan — pay 11 monthly instalments and we add the 12th month absolutely free. So you get 12 months of value while paying for only 11.

You can start with as little as ₹5,000 per month. There's no fixed upper limit — you can choose any higher amount based on the jewellery you have in mind.

At the ₹5,000/month level: you pay 11 instalments of ₹5,000 = ₹55,000 in total. We add the 12th month's ₹5,000 for free, giving you ₹60,000 worth of jewellery to redeem.

How is the total value calculated?
Your total redeemable value is your monthly instalment × 12, while you only pay for 11 months — the 12th month's instalment is our free bonus.

For example, at ₹5,000/month you pay ₹55,000 over 11 months and redeem jewellery worth ₹60,000. The same 11+1 benefit applies whatever amount you choose.

Once your 11th instalment is paid, your plan is complete and the 12th month's value is added automatically — you can then choose and purchase jewellery worth the full accumulated amount.

You can redeem online or in-store, against any jewellery piece of your choice.

You can close the plan early, but you'll only be able to redeem the amount you've actually deposited so far. The 12th-month free bonus is credited only on completing all 11 instalments — stopping early means you simply miss out on that extra benefit, not your deposited money.