Refund Policy

1. Ready-Stock Orders Cancelled Before Dispatch

If you cancel a ready-stock (non-custom) order before it has been dispatched from our branch, you are entitled to a 100% refund of the amount paid. Refunds are credited to your original payment method (card, UPI, netbanking, or wallet) via Razorpay within 5–7 business days of the cancellation being confirmed.

2. Defective, Damaged, or Incorrect Items

If you receive an item that is defective, damaged in transit, or does not match your order, please contact us within 48 hours of delivery at info@rkmjewellers.com with photos of the item and your order/invoice number. Once verified (within 2 business days of your report), you may choose between:

• a free repair or replacement, or
• a full refund of the purchase amount to your original payment method, processed within 5–7 business days of approval.

This choice is yours, not ours — we do not withhold repair/replacement/refund at our discretion once a defect or mismatch is verified.

3. Custom / Bespoke Orders

Custom-designed pieces are made to order. Once crafting has begun on a bespoke order, the deposit taken at booking (as specified in your order confirmation) is non-refundable, since materials and labour have already been committed to your specific design. Cancelling before crafting begins is covered under our Cancellation Policy and refunds the full deposit to your original payment method within 5–7 business days.

4. Gold Investment / Advance Plan Redemption

Amounts deposited under a gold investment or jewellery advance plan are collected for the purpose of a future jewellery purchase, not as a general-purpose deposit. If you close the plan and redeem your balance without buying an item, this is handled as a scheme redemption rather than a product refund: in line with industry practice for prepaid gold-savings schemes, the balance is issued as store credit (redeemable at any RKM Jewellers branch against a future purchase), after the following deductions:

• 5% deduction on the total advance amount.
• Making charges as disclosed to you at enrolment.
• GST on the applicable making charges and deduction.
• Packaging charges, where applicable.

Store credit is applied to your account within 7 business days of your redemption request being approved. This clause applies only to scheme redemptions where no item is purchased — it does not reduce your rights under Sections 1 and 2 above for an actual product purchase made through the scheme.

5. Refund Mode & Processing Time

All eligible monetary refunds are credited to the original payment method used at checkout (card, UPI, netbanking, or wallet) via Razorpay, within 5–7 business days of approval. Payments made by cash at a branch are refunded by bank transfer or cheque within the same window, once your bank details are confirmed. We do not charge any fee for processing a valid refund.