ZEN Money Multiplier

ZEN Money Multiplier is a planned monthly savings programme designed to help you build value towards a future ZEN jewellery purchase. You contribute a fixed amount every month for the programme period and may receive an additional benefit towards an eligible jewellery purchase, subject to the programme terms.

Choose an available monthly instalment, make the required contributions for six months, and redeem your accumulated savings with the applicable bonus towards an eligible ZEN jewellery purchase, subject to the programme terms.

The programme is designed to help customers plan ahead for a jewellery purchase through regular monthly contributions.

The scheme communication illustrates a starting monthly instalment of ₹5,000.

The scheme communication illustrates monthly instalments of ₹5,000, ₹10,000, ₹15,000, ₹20,000, ₹25,000, ₹30,000, ₹40,000, ₹50,000, ₹75,000 and ₹1,00,000. Options available at enrolment are subject to the prevailing programme terms.

The specified saving period is six months.

The scheme communication specifies a 30% bonus on accumulated savings for redemption in the 7th month, subject to the programme terms.

The scheme communication specifies a 20% bonus on accumulated savings for redemption from the 8th month onwards, subject to the programme terms.

After completing the six-month saving period, the stated options are redemption in the 7th month for a 30% bonus or from the 8th month onwards for a 20% bonus. Eligibility is subject to the programme terms.

The bonus is calculated on accumulated savings, as illustrated in the scheme communication. For example, if you contribute ₹10,000 per month for six months, your accumulated savings are ₹60,000. A 30% bonus is ₹18,000, giving a total value of ₹78,000 towards an eligible jewellery purchase.

No. The scheme communication specifies a 30% bonus for redemption in the 7th month and a 20% bonus for redemption from the 8th month onwards.

The scheme communication describes the bonus as additional value towards jewellery, not as a cash payout.

No. The benefit is described as a bonus towards an eligible jewellery purchase and should not be represented as interest or a financial investment return.

The scheme communication describes the benefit as value towards a diamond studded jewellery purchase. Specific product eligibility and redemption conditions are governed by the applicable programme terms.

Yes. Any additional amount over and above the Programme value can be paid by Cash, Card or UPI. 

The balance Programme value shall be loaded in the gift card and the gift card shall be valid for 6 months from the date of issuance.

The programme is structured around a six-month saving period. Early redemption shall mean loss of any eligible bonus. 

Yes. The scheme communication specifies a 20% bonus for redemption from the 8th month onwards, subject to the programme terms.

No. The programme is based on a selected monthly contribution for six consecutive months and cannot be changed.

No. Any change to the selected contribution is not permitted. 

The programme requires regular contributions over six months. The impact of a missed or delayed instalment on eligibility, bonus or redemption is governed by the applicable programme terms.

Late payments shall effect on the programme timeline or bonus eligibility.

Eligibility for the bonus and redemption benefit shall not be applicable. 

Multiple enrolments are permitted.

No. Transferability is not permitted. 

Payments made on behalf of a registered customer are subject to ZEN's applicable payment, verification and programme requirements.

Please inform ZEN promptly of changes to your registered mobile number, email address or other customer details, subject to applicable verification requirements.

Yes. Cancellation is subject to the applicable programme Terms & Conditions. Please contact ZEN for the applicable process before taking action.

No. Refundability is not permitted.

Any cancellation charge, deduction or adjustment will be as specified in the applicable programme terms.

No. The scheme communication provided does not have a separate joining fee. .

There are no other applicable charges relating to enrolment, payments, redemption or cancellation.

Please contact ZEN before redemption. Any cancellation, refund or other treatment of the accumulated amount is subject to the applicable programme terms.

The programme is positioned towards a jewellery purchase. Eligibility of specific products, categories or transactions is determined by the applicable programme terms.

Combining this benefit with other offers, discounts or promotions is subject to the terms of the programme and the specific offer. Please confirm with ZEN before redemption.

Yes. Use during a promotional period is subject to the programme terms and the conditions of the applicable promotion.

The programme builds a purchase fund based on your contributions and applicable bonus. The final purchase is subject to the product price and applicable terms at the time of purchase.

No. Product availability, pricing and eligibility at the time of redemption apply. Enrolment does not reserve a particular item.

Yes. Redemption across ZEN stores and online in India is permitted.

The scheme communication provides for enrolment through a ZEN Diamond store or online at india.zendiamond.com.

The scheme redemption can be done at ZEN stores or online in India.The available redemption channels are governed by the applicable redemption terms.

ZEN will advise you of the information and documents required at enrolment, subject to applicable company and regulatory requirements.

For account-specific information about contributions and programme status, please contact ZEN through the details provided at enrolment.

The stated bonus depends on the redemption period: 30% for redemption in the 7th month, or 20% from the 8th month onwards, subject to completion of programme requirements and the applicable terms.

Please contact your nearest ZEN Diamond store or the ZEN customer care team for assistance with enrolment, contributions or redemption.