Punjabi Saraf EasyPay Plan

Gold Jewellery on Installments

Buying gold jewellery on installments is now easy and flexible with the Punjabi Saraf Easy Pay Plan. We offer four repayment tenures: 3, 6, 9, and 12 months, giving you the flexibility to choose a plan that best suits your needs.

Easy Pay Down Payment

A 33% down payment of the total bill value is required upfront. The remaining balance is divided into monthly installments, which include a small processing fee.

Easy Pay Processing Fee

• Diamond Jewellery: Flat 1.98% (plus GST)
• Gold Jewellery:
• 6 Months: 2.95%
• 9 Months: 3.54%
• 12 Months: 4.94%

Eligible Products for Easy Pay Plan

The Easy Pay Plan is available for stone-studded gold or diamond jewellery. Products like a simple gold chain or solid bangle do not qualify for this plan. However, jewellery with stones, such as the latest CZ and Antique gold necklace, is eligible for EMI.

Pricing and Buying Terms

No discounts will be offered on products selected for the Easy Pay Plan.

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Documentation Requirements

To ensure a smooth experience with Easy Pay, the following documents are required:

1. KYC Documents
2. 3 Months Bank Statement
3. Latest ITR (if self-employed)
4. On approval: Invoice and a Photo with the Jewellery

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Important Precautions to Prevent Potential Frauds

1. Stop if any submitted documents appear tampered.
2. Only the borrower should receive the jewellery (borrower’s photo with the jewellery is mandatory).
3. For loans over ₹1,00,000, it is advisable to collect a reference number and forward it to Liquiloans.
4. Stop if the purchase is not for the borrower or any immediate family member.

Example Calculation

If your total bill value is ₹1,00,000 and you select a 6-month repayment tenure, here’s how it would break down:

• Down Payment: ₹33,000 + Processing Fee (paid upfront)
• Monthly EMI: ₹16,750, spread across 4 equal installments under the Easy Pay Plan.