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Exchange Policy
1. DURING FULL VALUE EXCHANGE PERIOD (Jewellery sold by BJ)
| 24 K Coins | 1 day |
| 22 K Coins | 1 day |
| 22 K Gold Jewellery | 7 days |
| 22 K Studded (Pearls/Colour Stones) | 7 days |
| 18 K Studded (Diamonds/ Colour Stones) | 7 days |
| Solitaires | 7 days |
| Platinum | 7 days |
| Silver | 1 day |
Conditions:
- Jewellery should be unused and in original condition. Jewellery altered for or by customer will not be exchanged.
- Jewellery can be exchanged only once and that too against new jewellery only, it can’t be exchanged with coins.
- Cash Memo value will be the exchange value, irrespective of gold rate on the date of exchange.
- Taxes will be refunded only if the exchange is made in the same state from where the initial purchases are made.
- Original cash memo/ guarantee card should be produced at the time of exchange.
- Studded jewellery will require verification of stones at Central workshop and the process may take about 3 to 4 working days.
- Jewellery made against Customer Order cannot be exchanged
2. AFTER FULL VALUE EXCHANGE PERIOD (Jewellery sold by BJ)
| 24 K Coins | Actual Weight x Prevailing Gold rate |
| 22 K Coins | Actual Weight x Prevailing Gold rate |
| 22 K Gold Jewellery | Actual Weight x Prevailing Gold rate |
| 22 K Studded (Pearls/Colour Stones) | (Gold -Weight x Prevailing rate) + Diamond Polki: 70% of prevailing value + Gemstones/Pearls 75% of prevailing value |
| 18 K Studded (Diamonds/ Colour Stones) | (Gold -Weight x Prevailing rate) + Diamonds: 100% of prevailing value + Gemstones/Pearls 75% of prevailing value |
| Solitaires | 90% of prevailing value |
| Platinum | 80% of Purchase Price |
| Silver | Actual Weight x Prevailing Silver rate |
Conditions:
- Original cash memo/ guarantee card should be produced at the time of exchange.
- Diamond jewellery will require verification & valuation of diamonds at Central workshop and the process may take about 3 to 4 working days.
- All jewellery pieces will be checked for actual weight and karatage before exchange.
- Diamond Jewellery can only be exchanged against purchase of diamond jewellery.
- Diamond Polki set through Wax Setting will not be exchanged.
3. ANY TIME (Other Jewellery)
| 24 K Coins | Weight (after melting) x (Prevailing rate less 2%) |
| 22 K Coins | Weight (after melting) x (Prevailing rate less 2%) |
| 22 K Gold Jewellery | Weight (after melting) x (Prevailing rate less 8%) |
| 22 K Studded (Pearls/Colour Stones) | Weight (after melting) x (Prevailing rate less 8%) No exchange against Diamonds/ Gem Stones |
| 18 K Studded (Diamonds/ Colour Stones) | Weight (after melting) x (Prevailing rate less 8%) No exchange against Diamonds/ Gem Stones |
| Solitaires | No Exchange |
| Platinum | No Exchange |
| Silver | No Exchange |
Conditions:
- Original cash memo/ guarantee card should be produced at the time of exchange.
- Actual weight will be ascertained only after removing the stones & melting the jewellery.
- Karatage will be determined based on purity ascertainment by Bharat Jewellers.
- Stones Studded in the jewellery will be removed & returned to the customer. After removal, they will not be set again. BJ will not be responsible for any stone breakages while removing them.
4. ANY TIME (Jewellery sold by BJ)
| 24 K Coins | Weight x (Prevailing rate less 3%) |
| 22 K Coins | Weight x (Prevailing rate less 3%) |
| 22 K Gold Jewellery | Weight x (Prevailing rate less 3%) |
| 22 K Studded (Pearls/Colour Stones) | Gold: (Weight x prevailing rate less 3%) + Diamond Polki: 67% of prevailing value + Gemstones/Pearls 50% of prevailing value |
| 18 K Studded (Diamonds/ Colour Stones) | Gold: (Weight x prevailing rate less 3%) + Diamonds: 90% of prevailing value + Gemstones/Pearls 50% of prevailing value |
| Solitaires | 85% of prevailing value |
| Platinum | (70% of purchase Price) |
| Silver | Weight x (Prevailing rate less 3%) |
Conditions:
- Original cash memo/ guarantee card should be produced at the time of exchange.
- Studded jewellery will require verification & valuation of stones at Central workshop and the process may take about 3 to 4 working days.
- All jewellery pieces will be checked for weight and karatage but without removing stones and melting.