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Here's Something For Your Everyday Fashion-Chains!
Layer up Your Daily Wear with Minimal or Statement
Designs.

Want to pay your Meri Roshni Installment ?   Click to Pay

Why Meri Roshni Plan ?

Kisna Advantage

Owning Kisna Diamond & Gold Jewellery is now made easy

Plan in Advance

Plan your purchase with kisna in advance for special occassions

Special Benefit

Pay for 10 installments & the 11th installament is on us.

Meri Roshni Calculator

Slide or enter monthly Installment Amount

  • Your total payment(Period of 10 months)

  • 100% Discount on 11th installment(100% off 1 month installment value)

  • Buy any Diamond jewellery
    worth :
  • Buy any Gold jewellery
    worth :
  • You effectively Pay

Frequently Asked Questions

Visit any KISNA exclusive store & our store staff will assist you in opening Kisna Meri Roshni plan for you.
You also have option to join the plan, by enrolling online on kisna.com

While visiting our exclusive store, kindly do carry copy of your Aadhaar Card or Passport. Also, do carry copy of your Pan Card, if your single month plan instalment is Rs 19000 and above.

You can enrol in the plan by paying minimum fixed monthly instalment of Rs 1000 (Rupees One Thousand) or above (in multiples of Rs 500 - Rupees Five Hundred).

Yes, you will receive the confirmation via Email, SMS and you will be provided access to online passbook (dashboard) to check your payments, status, instalments paid, due date, etc.

There are multiple online payment options like Credit Card, Debit Card, Net banking, UPI, Cheque, Demand Draft, etc.
You also have facility to pay in cash, at our exclusive store.

In such cases, you need to wait for 48 hours, as sometime there are server issues on payment gateway site.
After 48 hours if the payment is still not credited in your plan, then you are requested to contact us and send us your payment screenshot along with your payment issue details.

Due date to pay instalment is on monthly basis.
For e.g. if you pay 1st instalment on 5th January, then next instalment due date will be 5th February and so on for consecutive months.

No, you cannot change the instalment amount, after your plan has started.

If you default any monthly instalment, then the benefit of your plan will not be given at the time of maturity.
In such case, you will be eligible for redemption amount equal to the total paid instalment only.

No, you will get no additional benefit.

Yes, you can with withdraw your paid instalments, at any time before plan maturity.
In such case, you will get back your principle amount only, without any benefit.
All such refunds will be remitted in your bank account within 15 banking working days.
Cash refund will not be given.

You can redeem your plan for diamond jewellery or gold jewellery at any Kisna exclusive store or on our website kisna.com

You will be eligible for 100% discount equivalent to 1st instalment of your plan for redemption done for diamond jewellery and 75% discount equivalent to 1st instalment of your plan for redemption done for gold jewellery.

You can redeem your plan only for diamond jewellery & gold jewellery.
Gold Coins, Silver Coins, Rare Solitaire, Plain Platinum & Studded Diamond Platinum jewellery is not eligible for redemption.

Yes, if you have paid more than 6 monthly instalments or less than 10 instalments, then you can redeem your plan for 50% discount benefit of the 1st instalment value.
E.g. if your monthly instalment is Rs 1000, then your maturity benefit discount (after 10 months) will be Rs 1000 for diamond jewellery and your pre-maturity benefit discount will be Rs 500 for diamond jewellery.
Same way, if your monthly instalment is Rs 1000, then your maturity benefit discount will be Rs 750 for gold jewellery and your pre-maturity benefit discount will be Rs 375 for gold jewellery.

Yes, you can club 2 different plan, for your family members based on the written consent of plan holder, in whose name invoice billing will be made.

No, you cannot redeem your plan for partial diamond jewellery & partial gold jewellery.
You can redeem one plan entirely for only one product category i.e. either diamond jewellery or gold jewellery.

No refund or carry forward credit note or advance voucher will be issues in such cases.
You will have to redeem your plan against full invoice billing value.

Yes, your friend / relative can redeem your plan, by completing the necessary mandatory processes.

In such cases, we will wait until 365 day’s from the date of 1st instalment and after 365 days, we will refund your entire principle instalment paid amount, without any benefit.

Yes, Pan Card is mandatory as per RBI guidelines for any redemption value more than Rs 2,00,000 (Rupees Two Lacs).

Yes, you are eligible for availing ongoing offers / promotions / schemes of Kisna during the maturity / pre-maturity redemption of your plan.

No You can pay subsequent instalments in any exclusive store across India or on our website.

You can redeem your plan at any exclusive stores across India or on our website.