VBJ Bridal Look Book 2026
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Today's Rates
Gold : 1 gram (24 kt)141.51
Gold: 1 gram (22 kt)135.85
Gold: 1 gram (18 kt)116.04
Silver: 2.66
Platinum: 75.81
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gold saving scheme

enrolment process

Customer to visit the store to enrol in the program.

Customer has to provide KYC with a valid US government-issued ID during enrolment.

For assistance, call us at: +1 (469) 590 1900 or visit https://vummidi.com/us

Customer to visit the store to enrol in the program.

Customer has to provide KYC with a valid US government-issued ID during enrolment.

For assistance, call us at: +1 (469) 590 1900 or visit https://vummidi.com/us

Savings Scheme Details

Kamadhenu Plan
Earn a bonus equivalent to one month's instalment value.
Bonus-backed jewelry value assurance without market dependency or risk.
Ideal for planned purchases (for weddings, occasions or gifting).
Customers can pay up to 6 months' instalments in advance.

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DETAILED PLAN BREAKUP

Parameter Details
Duration 12 months + 1-month bonus at maturity.
Monthly Contribution Customer-defined. Minimum of $300 (in multiples of $100).
Total Investment 12 x monthly contribution.
Maturity Benefit 1-month bonus to customer.
Bonus Eligibility All 12 instalments paid on time.
Redemption Type Jewelry only. (Gold, diamond, platinum, solitaire, precious stone, and silver jewelry, and approved categories.)
VA/Making Charges VA, MC, stone charges, other charges, and taxes are applicable.
Lock-in Period 12 months for participating customers.
Payment Mode Zelle, wire, ACH, cheque, or cash only.
Early Exit Not eligible for bonus.

VBJ KAMADHENU JEWELRY SAVINGS PLAN

The Kamadhenu Jewelry Savings Plan is a savings-based investment plan designed for customers to accumulate value towards jewelry purchases over a 12-month period. Upon successful completion of all monthly payments, VBJ rewards customers with a 1-month bonus. Save every month and redeem with added value.

Earn a bonus equivalent to one month's instalment value.

Bonus-backed jewelry value assurance without market dependency or risk.

Ideal for planned purchases (for weddings, occasions or gifting).

Customers can pay up to 6 months' instalments in advance.

terms & conditions

TERMS AND CONDITIONS:

  1. The plan is non-transferable.
  2. The tenure of the plan is 13 months (12+1) from the date of joining.
  3. The scheme will mature on the 390th day from the date of joining, applicable only for customers with no default in monthly payments.
  4. Monthly Contribution is customer-defined with a minimum of $300 (in multiples of $100).
  5. Payment can be made only via Zelle, wire, ACH, cheque or cash. Card payment will not be entertained.
  6. Monthly instalments must be paid on or before the 7th of each month; payments made on or after the 7th will be considered for the following month.
  7. From the 7th month instalment onwards, payments are to be made monthly and in the respective month only.
  8. Only one missed or delayed instalment is allowed; any further delay disqualifies the bonus. However, the plan can still be continued.
  9. As per federal law, cash payments exceeding $10,000 (including all instalments) will require submission of IRS Form 8300.
  10. Redemption must be completed within 30 days of maturity.
  11. The refundable amount can be given in the form of jewelry at the running gold rate.
  12. The amount in the customer's account cannot be redeemed against gold coins or bars.
  13. Cash refunds will not be allowed.
  14. During the purchase of the jewelry, applicable taxes will be applied along with standard fees towards wastage and making charges.
  15. VBJ reserves the right to revise the Kamadhenu Jewelry Savings Plan benefits and rules without prior notice.
  16. The plan is governed by the laws under the jurisdiction of Texas.

Common Terms & Conditions:

  1. The plan is non-transferable.
  2. The refundable amount can be given in the form of jewelry at the running gold rate.
  3. The amount in the customer's account cannot be redeemed against gold coins or bars.
  4. Cash refunds will not be allowed.
  5. The tenure of the plan is 13 months (12+1) from the date of joining.
  6. The scheme will mature on the 390th day from the date of joining, applicable only for customers with no default in monthly payments.
  7. Redemption must be completed within 30 days of maturity.
  8. During the purchase of the jewelry, applicable taxes will be applied along with standard fees towards wastage and making charges.
  9. Payment can be made only via Zelle, wire, ACH, cheque or cash. Card payment will not be entertained.
  10. Only one missed or delayed instalment is allowed; any further delay disqualifies the bonus. However, the plan can still be continued.
  11. From the 7th month instalment onwards, payments are to be made monthly and in the respective month only.
  12. Monthly instalments must be paid on or before the 7th of each month; payments made on or after the 7th will be considered for the following month.
  13. As per federal law, cash payments exceeding $10,000 (including all instalments) will require submission of IRS Form 8300.
  14. VBJ reserves the right to revise the Kamadhenu Jewelry Savings Plan benefits and rules without prior notice.
  15. The plan is governed by the laws under the jurisdiction of Texas.
  16. All disputes are subject to the jurisdiction of the competent court in Texas.
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