Golden Harvest Scheme Swarnanidhi Scheme

• Golden Harvest Scheme • Swarnanidhi Scheme

Content About Tanishq Golden Harvest ◦ About the Scheme ◦ Advantages ◦ Customer’s Speak Introducing Swarnanidhi ◦ About the Scheme ◦ Redemption ◦ Advantages

Tanishq Overview • A Tata Enterprise – The jewellery division of Titan Industries Ltd. • 135 Stores in 82 Cities • Jewellery manufacturing facility in Hosur – TN since 1994 • Certified 22 Kt plain gold Jewellery and 18 kt diamond Jewellery • Karatmeter – An international device to measure the purity of gold. • Anuttara – One of the best customer loyalty programs, to give you that extra benefit!

GOLDEN HARVEST This scheme lets you harvest gold, quite literally Pay fixed instalment each month and buy jewellery at the end of the term with a special Benefit from the company This scheme has got more than 10 Lakh Members till date

Golden Harvest Currently – 2 schemes in GHS : a)11+1 Scheme b)18 month Scheme 11 + 1 Scheme Pay a fixed amount each month – for 11 months Discount– monthly instalment for the 12 th month Example: If you pay Rs. 5, 000 each month, for 11 months – you’d have paid 55, 000/-. 12 th month discount – 5, 000/You can buy jewellery worth 60, 000/- or more

Golden Harvest 18 month Scheme • You can pay each month for 18 months • Value of instalments can vary every month – ( in multiples of 500/-) • At the end of 18 months, you get a discount benefit.

Golden Harvest Scheme Type 11+1 18 month You Pay 3000 No of months 11 18 11 X 3000 18 X 3000 33000 54000 Advantage 3000 3900 Total amount 36000 57900 Time period after 12 months after 18 months Total Paid Advantage Discount - 100% of monthly instalment Flexible deposits every month

Advantages! • Plan your purchase! • Be pro active – Plan now for an occasion next year & buy jewellery from the most trusted jeweler of the country • Transferability – Brands • You get the advantage of transferring the scheme across 128 stores in India – so, you can buy from anywhere you want to! • Anuttara Member – • If you enroll in the 11+1 scheme, you can become a part of our exclusive club – Anuttara • 25 K + - Royale membership • Extra benefits

Advantages! • Double Benefit • At Tanishq, we keep having different offer from time to time. • As a golden harvest member, you get the offer as well as the one month instalment discount Brands • Flexibility – • With 18 month scheme, you can change your instalment amount every month as long as it’s a multiple of 500/- • TATA Advantage • Your money is absolutely safe • With TATA backing returns are sure

Customer Speak Suneethi Raja, Delhi: “This is the third time I have enrolled in the scheme. With easy installments I get to buy what I want. Thanks. ” Dr Manish Modi, Chandigarh: “The monthly recurring account with you is going to give us a yield, which no bank will offer and such a small amount does not pinch your pocket also. ” Jayshree Basu, Kolkata: “GHS is a very convenient way of getting the best and with no strong tugs in your purse strings”

Introducing “ Swarnanidhi “ Generating Value for the customer

Actual Gold rate in last 2 yrs From 1500 / Gram to Rs 2700/Gram 3000. 00 Avg Gold Rate Aug 2009 - Aug 2011 2500. 00 2000. 00 1500. 00 1000. 00 500. 00 11 g- 1 Gold has risen more than 70% in last 2 years Au l-1 Ju n 11 Ju -1 1 ay 11 M r- 11 Ap ar - M b 11 Fe -1 1 Jan ec -1 0 D ov -1 0 N ct 10 O p- 10 Se g- 0 Au l-1 Ju n 10 Ju -1 0 ay 10 M r- 10 Ap ar - M b 10 Fe -1 0 Jan -0 9 9 ec -0 D ov -0 9 N ct O Se p- 09 0. 00

Swarnanidhi - Gold Booking Scheme • Huge demand for a gold booking scheme from customer’s side • “ Swarnanidhi “ introduced to address customers. • It is a scheme for 1 year, useful for wedding buyers • Gold grams would be frozen as per the current 22 Kt Gold rate. • Installments should be minimum for Rs 2000/ • Customer needs to pay once every month , • but can pay any number of times in that month. • Gold coins and silver coins can not be redeemed.

How does it work? Enrolment and payment : Example with Actual Gold rate per No of grams gram booked (Assumption) S. No Date Instalment paid 1 2 3 4 12 1 st Apr 2011 1 st May 2011 1 st Jun 2011 1 st Jul 2011 1 st Mar 2012 5000 5000 5000 2. 5 2. 42 2. 39 2. 36 5000 TOTAL 60000 25. 24

After 1 year… If a Swarnanidhi Started in Apr 2011 If Rs 5000 paid every month Total no of grams booked by a customer would 25. 42 grams ◦ As per actual gold rate And, gold rate at the time of redemption is 2654/- The credit note value at the time of redemption = 2654*25. 24 =66987/- Benefit is 66987 -60000= Rs 6987/-. Customer has to buy products equal to or more than 6987/-.

Benefits Fixed Gold Grams ◦ Can buy jewellery of choice without gold rate worry ◦ Plan for important occasions of life Discount Benefit ◦ Avail benefit of fixed gold and extra discount on purchase Flexibility Advantage ◦ Can pay any amount in multiples of Rs 2000/-. ◦ Can take benefit of low gold rate and pay as much as you want and book more grams

Benefits TATA Advantage ◦ With TATA backing money is absolutely safe Anuttara Member – • If you enroll in the Swarnanidhi, you can become a part of our exclusive club – Anuttara • Extra benefits

Wishing you all the best For harvesting gold & reaping great benefits!