1. Scheme Duration and Maturity Validity: The scheme is valid for a fixed tenure of 11 months. Maturity: The scheme concludes at the end of the 11th month. The accumulated gold/silver value or weight can be redeemed for ornaments starting from the 12th month. 2. Bonus Benefit & Mid-Execution Policy Bonus Eligibility: A bonus equivalent to one month’s installment will be credited by the company. This bonus is strictly applicable only at the 12th month upon successful completion of all 11 installments. No Mid-Execution: The Member cannot “execute” or redeem the article (ornaments) before the 11-month cycle is complete. Early Withdrawal: Should a Member choose to discontinue or withdraw before the 11th month, they will forfeit the bonus amount. Redemption in such cases will be limited to the actual amount paid, subject to company buy-back or redemption policies.