On enrolling, you can select an amount of your choice as monthly advance payment. There are various slabs starting from Rs.500 onwards. You will also get a pass book to keep track of your payments. All you have to do is pay eleven equal monthly advance payments. After making the advance payment for the last month, you can buy your favourite jewellery, except special items like Diamond, Platinum, Uncut Diamonds, Ruby, Emerald, Ethnic and Vintage Jewellery, Pooja items, Silver articles & Silver jewellery without wastage / Value addition (VA) charges. The customer can opt for either the value based or the gold weight based option