Kalyan Jewellers — Insurance charges on gold purchased without consent of customers.

Address: Thane, Maharashtra

I purchased a gold chain from your Thane store on 16.06.2015, as per bill No. THNGJB000942. The salesman at the counter told me that the chain purchased from your store will be covered by insurance free of charges. He never told me that the premium will be charged to me. He showed me the price calculations where the word 'insurance' was not at all mentioned. He showed me a print out of the bill, where the final amount was Rs.18, 110/-. Then I paid the bill by a debit card. Then the chain was handed over to me and bill was given in an envelope. Since I had already seen the bill, I did not open the envelope. After coming home I opened the envelope. To my utter surprise, the bill therein was not the same which I had seen in the store. In the new bill the final amount was Rs.17, 976/-. The next day I again visited your store and met the same salesman. When asked, he said the balance amount was the insurance premium. He also said that he had explained to me that the insurance would charged to me. By the time 3-4 other salesmen also gathered there and all of them supported him, though none of them was present when the deal was going on. I would like to mention here that once the bill mount is paid and the gold is handed over to the customer, your responsibility is over. It is the customer's responsibility how to deal with it. If at all required, he himself can do anything to protect it. Your help is not at all required to insure the gold purchased. This sort of crooked play and acting ignorance thereafter will not bring any good name to your store. This may be perhaps the first blow to your new branch I would highly appreciate receiving a proper explanation in this matter. V.N. Unnikrishnan Nair.