buy gold tomorrow at yesterdays prices

Fulfilling Aspirations

Fulfilling Joy

Understanding Stories

Fulfilling Desires

Understanding emotions

Fulfilling Dreams

Did You Know ?

Gold Prices have risen by

a staggering 260% in

the last 5 years.

Consumers are today faced with a dilemma of rising gold, silver diamond & platinum prices. Taking the last 30 years of history, 20 years have given consumers a price rise of over 20% per annum. Only 10 years in the last 30 years has gold risen by less than 20% per annum.

Did You Know ?

Which means you will be able to buy only half the quantity of gold, silver, diamond and platinum in five years from now.

Start a New and a Rewarding Habit

Say ‘NO’ to Rising Gold prices

with “The Gold Standard 1869TM –

The Rate Protection Plan TM” (The

GSTD RPPTM)

Year Normal Price ( Rs )

2011 1,24,000/-

2010 83,000/-

2009 79,000/-

2008 66,000/-

2007 51,000/-

Presenting…

Gold, Silver ,Diamonds & Platinum Rate Protection Plan TM

Today with Gold Prices going so high the average consumer finds it difficult to buy jewellery at one go.

The Gold Standard 1869,TM

The Rate Protection Plan TM now allows jewellery

consumers to protect

themselves from rising gold,

silver, diamond & platinum

rates.

The central theme of the

programme is that consumers

get "averaged" gold, silver,

diamond & platinum as the

consumer pays their

instalments.

There are two kinds of

consumers

– a person in the

financial market

– a person who

wishes to

accumulate jewellery

C. Krishniah Chetty & Sons brings a plan to a Jewellery lover with the added benefits of appreciation

C. Krishniah Chetty & Sons Ethos

"We are committed to exceed the highest expectations of

every client, in a warm relationship that can span

generations, maintaining our rich tradition, we continue to

strive, to further the quality of craftsmanship, the quality

of service and the quality of metals and gemstones and

ensure that the value derived by each customer is to the

maximum, keeping the value systems and ethics of the

old world, in order to achieve a legendary status, with

contributions to the society and by making clients feel like

they own C. Krishniah Chetty & Sons"

We have several programmes including

– Loyalty Reward Programme – List Of Stars TM

– Customer Orders & Designing

– Over 20 different collections

– Royal Crest Customer Service

– And more…

C. Krishniah Chetty & Sons, the

140 year old leader in Heritage

Jewellery has now announced

the first "Rate Protection

PlanTM" of the country. Earlier

available only to their private

clients, the company now opens

their 11-year old secret to all

members of the public.

No. of Months

Monthly Instalments

(Rs.)

Qty. Under GSTD RPP TM (gms.)

Qty. Under Conventional

Savings Plan at Current Rates (gms.)

Gain %

12 5,000 31.820 gm 27.760 gm 14.60 %

18 5,000 50.600 gm 41.650 gm 21.51 %

24 5,000 70.460 gm 55.530 gm 26.89 %

36 5,000 117.510 gm 83.290 gm 41.08 %

48 5,000 177.060gm 111.060gm 59.43 %

60 5,000 246.000 gm 138.820 gm 77.21 %

% of Gain in Quantity of Gold Jewellery purchased over 12 - 60 month period

Indicative onlyEvery 5 years accumulate far greater quantities of Gold, Silver, Diamond & Platinum under the GSTD - The Rate Protection PlanTM. DISCLAIMER: Based on past data. Past performance may or may not be sustained in the future.

To illustrate the quantum of benefits a consumer is likely to derive in

the “The GSTD- The Rate Protection PlanTM" vs other

conventional “Jewellery Savings Plans" a consumer receives greater

amount of jewellery as follows:

Rs. 5000/- contributed for say 36 months (duration may be from 12 to

60 months at the option of the client with extension possibilities

anytime before last instalment is paid) would typically get jewellery

worth 83.290 gms. of 22Kt gold in conventional plans by most

jewellers; whereas in the "Averaged The GSTD- The Rate Protection

PlanTM" the same consumer would typically get 117.510 gms. or

41.08% more jewellery.

If the consumer were to purchase jewellery under conventional plans

they pay "current" rates thus negating the benefits they received in "

making charges discounts" or "last month free instalments" by the

inflation of gold/ silver/ diamond /platinum during the period.

Put away from Rs. 250/-

to Rs.1,00,000/- or more

per month as instalments.

( PAN Card required for

over Rs.5 lakhs

transactions.)

• Save continuously from 12 to 60 months for your loved ones

• Get automatic rate protection for your gold, silver ,diamonds & platinum

Choose the lower:

either the

averaged rate or

the current

prevailing rate on

Maturity

If you have additional

cash flow pay higher

instalments whenever you

wish, or when rates dip.

Open multiple plans

for different

members of the

family with different

tenures to help

timely maturity as

your children grow

Payment Frequency

• Monthly

• Quarterly

• Half- yearly

• Yearly or even…

• One-time

Incredible savings over longer periods

• Post – Dated Cheque

• Cash

• Credit Card

• Bank Transfer

• Online

• The “The GSTD – The Rate Protection PlanTM" promises to redefine the manner in which jewellery shopping will be done in future.

• The company has copyrighted the plan thereby making it exclusive to C.Krishniah Chetty & Sons.

• The Essence of the Gold

Standard, first introduced in 1820 by Great Britain, is maintenance of equality between the value of domestic currency unit and a stipulated amount of gold. Under this standard it was possible for the common man to exchange paper currency for gold through Central Banks in Major countries.

• Payments are accepted by Cash, Cheque, DD, Bank Transfers, and soon Online too.

• This is not a Mutual Fund or ETF and hence there are no management fees or entry/ exit loads and no hidden charges.

• The company has had this in

operation for over 11 years and is the first-of-its-kind in the country even today.

• All that the consumer pays is other gems, labour, taxes etc.

• All jewellery is sold under the plan or in their showrooms at the same prices.

Comparative Analysis

Features CKC The GSTD 1869, RPP TM

Bhima Malabar Kalyan Tanishq -1 Tanishq - 2

Average Rate or Current Rate

GSTD Rate Current Rate Plan Rate Current Rate

Current Rate Plan Rate

Duration 12 - 60 months 12- 18 months 18-36 months

12-24 months

12 months Minimum 3 years

Benefit Quantum Market dependent "Avg" Rate +3 % or benefit of 12% on “Current Prevailing

Rate‘’ option

8 % to 12% on Gold,16% on Diamond at

Current Rate

6% Accumulated

Bonus in rupees, not in weight

8 % to 12 % on Current

Rate

8 % to 10 % on Current

Rate

Market Dependent "Avg" Rate . No

option for "Current Prevailing Rate "

Minimum amount of Instalment

Rs. 250/- Rs. 500/- Rs. 1,000/-

Rs. 500/- Rs. 200/- Rs. 500/- Rs 1,000/-

Maximum amount of Instalment

No upper limit No upper limit No Upper limit

No Upper limit

No upper limit

No upper limit

Option to pay higher amounts in any installments

Yes No No No Yes Yes

Features CKC The GSTD 1869, RPPTM

Bhima Malabar Kalyan Tanishq -1

Tanishq - 2

Plan Extension Option

Yes No No No No Yes

Missed Instalment

Impact

Maturity date remains unchanged. GSTD 'Average' Rate will apply for “on-time’’ payment. No benefit on “Current

Prevailing Rate’’ option .

Maturity date gets extended

Bonus lost for

number of days not paid in a month




Fixed amount or amount of your

choice per instalment

Your choice of amount

Fixed Fixed Your choise of amount

Fixed Your choice of amount.

Ineligible products

Coins & Bullion Gold coins & Bullion

Coins, Bullion,

Diamond &

Platinum

All products

are eligible

Coins, Bullion & Solitaire

Coins , Bullion & Solitaire

Grace Period for payments

7 days 3 days 3 days 2 months 3 days 3 days

Inter-showroom transfers or use

Yes Yes No Yes 3 - 15 days from

prior request date

Not Allowed

Number of years in

operation

11 Years 3 Years 3 Years 1 Year 5 Years 3 Months

If rates comes down, switch to

lower rates option

Yes No No No No No

Payment option - Monthly /

Quarterly /Half-yearly / Yearly or One-time

All Monthly Monthly 3 months

PDC

Monthly Monthly

Rate Protection for Gold, Silver,

Diamond & Platinum

Gold, Silver, Diamond & Platinum

Gold only Gold only Gold only

Gold only Gold & Diamonds

only

Payment Option- Cash / Credit Card / Post-Dated

Cheque / Online

Yes for all Cash only Cash and cheque only

Online not

available

Online not available

Online not available .PDC not

accepted

Features CKC The GSTD 1869, RPP TM

Bhima Malabar Kalyan Tanishq -1

Tanishq - 2

Pre-mature closure penalty

No penalty No penalty No penalty No penalty No penalty 10 % deduction in value

Other Additions Benefit

Available from time to time . Rs 5000/- discount voucher

for "on time" payments on maturity

(useable from next working day )

Nil Nil Nil

Can be clubed with prevailing

promotions

Can be clubed with prevailing

promotions

Prizes / Draws Nil Lucky price Rs. 2000/-

Nil Nil Nil Nil

Loyalty Programme

Yes No Yes Yes Yes Yes

Changes will be Prospective

Yes - - - - -

Payment allowed before due date

Yes.Rate Protection + any additional benefits will be

given for GSTD rate plan (not for

prevaling rate option)

No No No No Yes

Multiple product purchase possible

Yes . One best option for client automatically

selected by system

No No No No No

Features CKC GSTD 1869 RPP TM

Bhima Malabar Kalyan Tanishq -1 Tanishq – 2

Differences between Old GSTD Savings Plan vs. New and Improved GSTD RPP TM- A ready comparison for clients and sales teams

Old: introduced: 1999

New: version: 2011

Old: average rate plan

New: average rate plan

Old: name: The Gold Standard 1869 - Savings Plan

New: name: The Gold Standard 1869 TM - The Rate Protection Plan TM

(registered trademarked)

Old: Essence of the programme: Averaged rates

New: Essence of the programme: Averaged rates

Differences between Old GSTD Savings Plan vs. New and Improved GSTD RPP TM- A ready comparison for clients and sales teams

Old: quantum of additional benefit (BEYOND averaged rates) on average

rate (average rate option) or on prevailing rate (cash benefit option) - as

decided by management from time to time.

New: quantum of additional benefit (BEYOND averaged rates) on average

rate (average rate option) or on prevailing rate (cash benefit option) - as

decided by management from time to time

Old: average rate or prevailing rate on maturity whichever is lower

New: average rate or prevailing rate on maturity whichever is lower

Old: gold/diamond or silver (two separate plans - not interchangeable)

New: gold, silver, diamond or platinum (one plan, option open to client to

decide at maturity - interchangeable)

Differences between Old GSTD Savings Plan vs. New and Improved GSTD RPP - A ready comparison for clients and sales

teamsOld: Max Rs.5000/- per month

New: No upper limit

Old: Fixed instalment amounts

New: Flexible instalment amounts

Old: Max 18 months

New: Max 60 months

Old: Monthly only

New: Monthly/ quarterly/ half -yearly/ yearly/ one-time.

Old: Additional benefit quantum 10% on average rate option

(For maturity till Saturday 4pm 20th Aug 2011).

New: Additional benefit quantum 3% on average rate option (from Saturday 4pm

20th Aug 2011).

(Change will apply to all existing accounts as well)

Differences between Old GSTD Savings Plan vs. New and Improved GSTD RPP TM - A ready comparison for clients and

sales teams

Old: Benefit quantum 10% on prevailing rate (cash benefit option). Principle for

the additional benefit rate for cash benefit option will be not lower than 3.00% of

the State Bank of India Base Rate

New: Benefit quantum 12% on prevailing rate (cash benefit option). Principle for

the additional benefit rate for cash benefit option will be not lower than 3.00% of

the State Bank of India Base Rate. Any change will apply to all current and new

accounts automatically prospectively

Old: Not advertised. For private clients only

New: Advertised. Open to public

Old: Rates applied on date of payment

New: For all current payments rates applied on date of payment. For all PDCs

rates applied as on instalment due date (even if cheque date is earlier or later

than due date. But if payment is made within 7 days grace days)

Special Note : During migration from old to new version some delays have occurred

in updation from old Integrated Information System (IIS) to new and

improved vVision of some Post-Dated Cheques only (specially during

the months of Sep/ Oct/ Nov/Dec 2010 and Jan/ Feb/Mar 2011). Most

updations have been corrected since.

In keeping with our Ethos, we have considered ALL delays, whether

delayed by clients or by CKC, as ON-TIME payments till Aug 2011.

thereby ensuring all clients have absolutely no losses on delayed

payments (whether paid by PDC, or Current Cheques or cash or credit

card or any mode!!!

However any delays after Sep 2011 will be attracting loss of benefits.

As a special benefit, CKC also issued Gift Vouchers, for excessively

delayed payments which are valid.

• PS: "Additional benefit" BEYOND the average rate advantage is at

the discretion of the management of CKC issued from time to time,

including but not limited to, discount vouchers, special offers,

additional benefits on averaged rate weights, additional benefits

rate on cash benefit option, special previews for GSTD only clients

etc., and are subject to change without prior notice.

• Clients may complete their shopping and receive the gift vouchers

(if any errors are found after internal audit) for later new transaction

or wait for the gift vouchers and use in same transaction, as they

please, at their option. Time for reverting: minimum 5 days.

• All Old clients (existing accounts) are automatically moved to this

new and improved version with all the new features available to

clients immediately.

Contd..

• No Management Fees• No Entry/Exit loads• Not a Mutual Fund / ETF• No Hidden Charges• Proven – in operation

for over 10 years

GSTD RPPTM : Recorded Info Line – 080 4000 1666

Help Desk – 080 4000 1559/1597

Application Forms available at all our Showrooms or www.ckcsons.com or

www.gstd.ckcsons.com

http://www.ckcsons.com/

Thank You.

To know more about the working of the plan,

request you to please refer to the slides that

follow.

Work Sheet | Gold , Silver and Diamond |

Working sheets of past data : GOLD ( 12 months)

Inst No. Month Instalment Amt Monthly Average Rate Qty in gms

1 Jul-10 5000 1703 2.94

2 Aug-10 5000 1722 2.90

3 Sep-10 5000 1780 2.81

4 Oct-10 5000 1819 2.75

5 Nov-10 5000 1883 2.66

6 Dec-10 5000 1916 2.61

7 Jan-11 5000 1883 2.66

8 Feb-11 5000 1901 2.63

9 Mar-11 5000 1950 2.56

10 Apr-11 5000 2005 2.49

11 May-11 5000 2076 2.41

12 Jun-11 5000 2080 2.40

Total 60000 31.82

22 Kt Gold Rate as on 30th July, 2011 2161.09 Rs./p gm

GSTD Gold Weight Benefit if settled on 30th July, 2011 for total amount of Rs. 60000 31.82 Gms

Walk-in customer if they purchase it on 30th July, 2011 for total amount of Rs. 60000 = 60000/2161.09 27.76 Gms

Difference of Weight 4.05 Gms

Total Benefit 14.60%



1 Jan-10 5000 1557 3.21

2 Feb-10 5000 1538 3.25

3 Mar-10 5000 1547 3.23

4 Apr-10 5000 1551 3.22

5 May-10 5000 1669 3.00

6 Jun-10 5000 1740 2.87

7 Jul-10 5000 1703 2.94

8 Aug-10 5000 1722 2.90

9 Sep-10 5000 1780 2.81

10 Oct-10 5000 1819 2.75

11 Nov-10 5000 1883 2.66

12 Dec-10 5000 1916 2.61

13 Jan-11 5000 1883 2.66

14 Feb-11 5000 1901 2.63

15 Mar-11 5000 1950 2.56

16 Apr-11 5000 2005 2.49

17 May-11 5000 2076 2.41

18 Jun-11 5000 2080 2.40

Total 90000 50.60


GSTD Gold Weight Benefit if settled on 30th July, 2011 for total amount of Rs.90000 50.60 Gms






1 Jul-09 5000 1408 3.55

2 Aug-09 5000 1429 3.50

3 Sep-09 5000 1500 3.33

4 Oct-09 5000 1516 3.30

5 Nov-09 5000 1623 3.08

6 Dec-09 5000 1619 3.09

7 Jan-10 5000 1557 3.21

8 Feb-10 5000 1538 3.25

9 Mar-10 5000 1547 3.23

10 Apr-10 5000 1551 3.22

11 May-10 5000 1669 3.00

12 Jun-10 5000 1740 2.87

13 Jul-10 5000 1703 2.94

14 Aug-10 5000 1722 2.90

15 Sep-10 5000 1780 2.81

16 Oct-10 5000 1819 2.75

17 Nov-10 5000 1883 2.66

18 Dec-10 5000 1916 2.61

19 Jan-11 5000 1883 2.66

20 Feb-11 5000 1901 2.63

21 Mar-11 5000 1950 2.56

22 Apr-11 5000 2005 2.49

23 May-11 5000 2076 2.41

24 Jun-11 5000 2080 2.40

Total 120000 70.46







Inst No. MonthInstalment

AmtMonthly Average

Rate Qty in gms1 Jul-08 5000 1231 4.062 Aug-08 5000 1118 4.473 Sep-08 5000 1151 4.344 Oct-08 5000 1215 4.125 Nov-08 5000 1153 4.346 Dec-08 5000 1220 4.107 Jan-09 5000 1283 3.908 Feb-09 5000 1408 3.559 Mar-09 5000 1460 3.42

10 Apr-09 5000 1391 3.5911 May-09 5000 1397 3.5812 Jun-09 5000 1398 3.5813 Jul-09 5000 1408 3.5514 Aug-09 5000 1429 3.5015 Sep-09 5000 1500 3.3316 Oct-09 5000 1516 3.3017 Nov-09 5000 1623 3.0818 Dec-09 5000 1619 3.0919 Jan-10 5000 1557 3.2120 Feb-10 5000 1538 3.2521 Mar-10 5000 1547 3.2322 Apr-10 5000 1551 3.2223 May-10 5000 1669 3.0024 Jun-10 5000 1740 2.8725 Jul-10 5000 1703 2.9426 Aug-10 5000 1722 2.9027 Sep-10 5000 1780 2.8128 Oct-10 5000 1819 2.7529 Nov-10 5000 1883 2.6630 Dec-10 5000 1916 2.6131 Jan-11 5000 1883 2.6632 Feb-11 5000 1901 2.6333 Mar-11 5000 1950 2.5634 Apr-11 5000 2005 2.4935 May-11 5000 2076 2.4136 Jun-11 5000 2080 2.40

Total 180000 117.51

22 Kt Gold Rate as on 30th July, 2011 2161.09Rs./p gmGSTD Gold Weight Benefit if settled on 30th July, 2011 for total amount of Rs.180000 117.51GmsWalk-in customer if they purchase it on 30th July, 2011 for total amount of Rs. 180000 = 180000/2161.09 83.29Gms

Difference of Weight 34.22Gms Total Benefit 41.08%


Inst No. Month Instalment AmtMonthly

Average Rate Qty in gms

1 Jul-07 5000 833 6.00

2 Aug-07 5000 841 5.94

3 Sep-07 5000 886 5.64

4 Oct-07 5000 924 5.41

5 Nov-07 5000 987 5.07

6 Dec-07 5000 980 5.10

7 Jan-08 5000 1071 4.67

8 Feb-08 5000 1124 4.45

9 Mar-08 5000 1203 4.16

10 Apr-08 5000 1124 4.45

11 May-08 5000 1144 4.37

12 Jun-08 5000 1164 4.30

13 Jul-08 5000 1231 4.06

14 Aug-08 5000 1118 4.47

15 Sep-08 5000 1151 4.34

16 Oct-08 5000 1215 4.12

17 Nov-08 5000 1153 4.34

18 Dec-08 5000 1220 4.10

19 Jan-09 5000 1283 3.90

20 Feb-09 5000 1408 3.55

21 Mar-09 5000 1460 3.42

22 Apr-09 5000 1391 3.59

23 May-09 5000 1397 3.58

24 Jun-09 5000 1398 3.58

25 Jul-09 5000 1408 3.55

26 Aug-09 5000 1429 3.50

27 Sep-09 5000 1500 3.33

28 Oct-09 5000 1516 3.30

29 Nov-09 5000 1623 3.08

30 Dec-09 5000 1619 3.09

31 Jan-10 5000 1557 3.21

32 Feb-10 5000 1538 3.25

33 Mar-10 5000 1547 3.23

34 Apr-10 5000 1551 3.22

35 May-10 5000 1669 3.00

36 Jun-10 5000 1740 2.87

37 Jul-10 5000 1703 2.94

38 Aug-10 5000 1722 2.90

39 Sep-10 5000 1780 2.81

40 Oct-10 5000 1819 2.75

41 Nov-10 5000 1883 2.66

42 Dec-10 5000 1916 2.61

43 Jan-11 5000 1883 2.66

44 Feb-11 5000 1901 2.63

45 Mar-11 5000 1950 2.56

46 Apr-11 5000 2005 2.49

47 May-11 5000 2076 2.41

48 Jun-11 5000 2080 2.40

Total 240000 177.06







Inst No. Month Instalment AmtMonthly Average

Rate Qty in gms

1 Jul-06 5000 909 5.50

2 Aug-06 5000 907 5.51

3 Sep-06 5000 859 5.82

4 Oct-06 5000 824 6.07

5 Nov-06 5000 867 5.77

6 Dec-06 5000 866 5.78

7 Jan-07 5000 859 5.82

8 Feb-07 5000 904 5.53

9 Mar-07 5000 891 5.61

10 Apr-07 5000 891 5.61

11 May-07 5000 848 5.89

12 Jun-07 5000 830 6.03

13 Jul-07 5000 833 6.00

14 Aug-07 5000 841 5.94

15 Sep-07 5000 886 5.64

16 Oct-07 5000 924 5.41

17 Nov-07 5000 987 5.07

18 Dec-07 5000 980 5.10

19 Jan-08 5000 1071 4.67

20 Feb-08 5000 1124 4.45

21 Mar-08 5000 1203 4.16

22 Apr-08 5000 1124 4.45

23 May-08 5000 1144 4.37

24 Jun-08 5000 1164 4.30

25 Jul-08 5000 1231 4.06

26 Aug-08 5000 1118 4.47

27 Sep-08 5000 1151 4.34

28 Oct-08 5000 1215 4.12

29 Nov-08 5000 1153 4.34

30 Dec-08 5000 1220 4.10

31 Jan-09 5000 1283 3.90

32 Feb-09 5000 1408 3.55

33 Mar-09 5000 1460 3.42

34 Apr-09 5000 1391 3.59

35 May-09 5000 1397 3.58

Inst No. MonthInstallment

AmtMonthly

Average RateQty in gms

36 Jun-09 5000 1398 3.58

37 Jul-09 5000 1408 3.55

38 Aug-09 5000 1429 3.50

39 Sep-09 5000 1500 3.33

40 Oct-09 5000 1516 3.30

41 Nov-09 5000 1623 3.08

42 Dec-09 5000 1619 3.09

43 Jan-10 5000 1557 3.21

44 Feb-10 5000 1538 3.25

45 Mar-10 5000 1547 3.23

46 Apr-10 5000 1551 3.22

47 May-10 5000 1669 3.00

48 Jun-10 5000 1740 2.87

49 Jul-10 5000 1703 2.94

50 Aug-10 5000 1722 2.90

51 Sep-10 5000 1780 2.81

52 Oct-10 5000 1819 2.75

53 Nov-10 5000 1883 2.66

54 Dec-10 5000 1916 2.61

55 Jan-11 5000 1883 2.66

56 Feb-11 5000 1901 2.63

57 Mar-11 5000 1950 2.56

58 Apr-11 5000 2005 2.49

59 May-11 5000 2076 2.41

60 Jun-11 5000 2080 2.40

Total 300000 246.00






Inst No. Month Principal AmtMonthly Average

Rate Qty in gms

1 Jul-10 5000 31.02 161.20

2 Aug-10 5000 31.45 158.97

3 Sep-10 5000 34.03 146.91

4 Oct-10 5000 37.43 133.58

5 Nov-10 5000 43.14 115.90

6 Dec-10 5000 47.28 105.76

7 Jan-11 5000 49.77 100.46

8 Feb-11 5000 46.41 107.74

9 Mar-11 5000 53.77 92.99

10 Apr-11 5000 59.89 83.49

11 May-11 5000 76.16 65.65

12 Jun-11 5000 61.21 81.69

Total 60000 1354.32

925 Silver Rate as on 30th July, 2011 62.47

GSTD Silver Weight Benefit if settled on 30th July, 2011 for total amount of Rs. 60000 1354.32

Walk-in customer if they purchase it on 30th July, 2011 for total amount of Rs. 60000 = 60000/62.47 960.46

Difference of Weight 393.86

Total Benefit 41.01

Working sheets of past data : SILVER ( 12 months)

Inst No. Month Principal Amt Monthly Average Rate Qty in gms

1 Jan-10 5000 29.37 170.24

2 Feb-10 5000 26.73 187.02

3 Mar-10 5000 28.40 176.03

4 Apr-10 5000 29.39 170.12

5 May-10 5000 30.76 162.57

6 Jun-10 5000 31.23 160.08

7 Jul-10 5000 31.02 161.20

8 Aug-10 5000 31.45 158.97

9 Sep-10 5000 34.03 146.91

10 Oct-10 5000 37.43 133.58

11 Nov-10 5000 43.14 115.90

12 Dec-10 5000 47.28 105.76

13 Jan-11 5000 49.77 100.46

14 Feb-11 5000 46.41 107.74

15 Mar-11 5000 53.77 92.99

16 Apr-11 5000 59.89 83.49

17 May-11 5000 76.16 65.65

18 Jun-11 5000 61.21 81.69

Total 90000 2380.39


GSTD Silver Weight Benefit if settled on 30th July, 2011 for total amount of Rs.90000 2380.39



Total Benefit 65.23



1 Jul-09 5000 23.98 208.55

2 Aug-09 5000 25.16 198.74

3 Sep-09 5000 28.35 176.39

4 Oct-09 5000 29.29 170.69

5 Nov-09 5000 30.14 165.91

6 Dec-09 5000 30.30 165.01

7 Jan-10 5000 29.37 170.24

8 Feb-10 5000 26.73 187.02

9 Mar-10 5000 28.40 176.03

10 Apr-10 5000 29.39 170.12

11 May-10 5000 30.76 162.57

12 Jun-10 5000 31.23 160.08

13 Jul-10 5000 31.02 161.20

14 Aug-10 5000 31.45 158.97

15 Sep-10 5000 34.03 146.91

16 Oct-10 5000 37.43 133.58

17 Nov-10 5000 43.14 115.90

18 Dec-10 5000 47.28 105.76

19 Jan-11 5000 49.77 100.46

20 Feb-11 5000 46.41 107.74

21 Mar-11 5000 53.77 92.99

22 Apr-11 5000 59.89 83.49

23 May-11 5000 76.16 65.65

24 Jun-11 5000 61.21 81.69

Total 120000 3465.69





Total Benefit 80.42


Inst No. Month Principal Amt Monthly Average Rate Qty in gms1 Jul-08 5000 26.94 185.612 Aug-08 5000 23.81 210.043 Sep-08 5000 21.53 232.254 Oct-08 5000 20.62 242.525 Nov-08 5000 18.83 265.506 Dec-08 5000 18.88 264.817 Jan-09 5000 20.44 244.588 Feb-09 5000 23.44 213.289 Mar-09 5000 24.10 207.44

10 Apr-09 5000 23.26 214.9711 May-09 5000 24.47 204.3712 Jun-09 5000 25.03 199.7913 Jul-09 5000 23.98 208.5514 Aug-09 5000 25.16 198.7415 Sep-09 5000 28.35 176.3916 Oct-09 5000 29.29 170.6917 Nov-09 5000 30.14 165.9118 Dec-09 5000 30.30 165.0119 Jan-10 5000 29.37 170.2420 Feb-10 5000 26.73 187.0221 Mar-10 5000 28.40 176.0322 Apr-10 5000 29.39 170.1223 May-10 5000 30.76 162.5724 Jun-10 5000 31.23 160.0825 Jul-10 5000 31.02 161.2026 Aug-10 5000 31.45 158.9727 Sep-10 5000 34.03 146.9128 Oct-10 5000 37.43 133.5829 Nov-10 5000 43.14 115.9030 Dec-10 5000 47.28 105.7631 Jan-11 5000 49.77 100.4632 Feb-11 5000 46.41 107.7433 Mar-11 5000 53.77 92.9934 Apr-11 5000 59.89 83.4935 May-11 5000 76.16 65.6536 Jun-11 5000 61.21 81.69

Total 180000 6150.85



Walk-in customer if they purchase it on 30th July, 2011 for total amount of Rs. 180000 = 180000/62.47 2881.38Difference of Weight 3269.46

Total Benefit 113.47




Rate Qty in gms

1 Jul-07 5000 19.04 262.67

2 Aug-07 5000 18.66 267.90

3 Sep-07 5000 18.88 264.82

4 Oct-07 5000 19.72 253.60

5 Nov-07 5000 20.98 238.28

6 Dec-07 5000 20.36 245.53

7 Jan-08 5000 21.72 230.25

8 Feb-08 5000 23.26 214.98

9 Mar-08 5000 26.09 191.67

10 Apr-08 5000 25.11 199.15

11 May-08 5000 25.46 196.35

12 Jun-08 5000 25.82 193.64

13 Jul-08 5000 26.94 185.61

14 Aug-08 5000 23.81 210.04

15 Sep-08 5000 21.53 232.25

16 Oct-08 5000 20.62 242.52

17 Nov-08 5000 18.83 265.50

18 Dec-08 5000 18.88 264.81

19 Jan-09 5000 20.44 244.58

20 Feb-09 5000 23.44 213.28

21 Mar-09 5000 24.10 207.44

22 Apr-09 5000 23.26 214.97

23 May-09 5000 24.47 204.37

24 Jun-09 5000 25.03 199.79

25 Jul-09 5000 23.98 208.55

26 Aug-09 5000 25.16 198.74

27 Sep-09 5000 28.35 176.39

28 Oct-09 5000 29.29 170.69

29 Nov-09 5000 30.14 165.91

30 Dec-09 5000 30.30 165.01

31 Jan-10 5000 29.37 170.24

32 Feb-10 5000 26.73 187.02

33 Mar-10 5000 28.40 176.03

34 Apr-10 5000 29.39 170.12

35 May-10 5000 30.76 162.57

36 Jun-10 5000 31.23 160.08

37 Jul-10 5000 31.02 161.20

38 Aug-10 5000 31.45 158.97

39 Sep-10 5000 34.03 146.91

40 Oct-10 5000 37.43 133.58

41 Nov-10 5000 43.14 115.90

42 Dec-10 5000 47.28 105.76

43 Jan-11 5000 46.88 106.66

44 Feb-11 5000 49.15 101.73

45 Mar-11 5000 57.25 87.34

46 Apr-11 5000 68.58 72.91

47 May-11 5000 62.69 79.76

48 Jun-11 5000 57.99 86.22

Total 240000 8912.29

925 Silver Rate as on 30th July, 2011 62.47 Rs./p gm

GSTD Silver Weight Benefit if settled on 30th July, 2011 for total amount of Rs.240000 8912.29 Gms





1 Jul-06 5000 18.95 263.87

2 Aug-06 5000 20.27 246.69

3 Sep-06 5000 20.11 248.58

4 Oct-06 5000 19.36 258.28

5 Nov-06 5000 20.60 242.67

6 Dec-06 5000 21.12 236.71

7 Jan-07 5000 20.63 242.38

8 Feb-07 5000 21.58 231.64

9 Mar-07 5000 20.86 239.74

10 Apr-07 5000 20.97 238.42

11 May-07 5000 19.86 251.81

12 Jun-07 5000 19.56 255.68

13 Jul-07 5000 19.04 262.67

14 Aug-07 5000 18.66 267.90

15 Sep-07 5000 18.88 264.82

16 Oct-07 5000 19.72 253.60

17 Nov-07 5000 20.98 238.28

18 Dec-07 5000 20.36 245.53

19 Jan-08 5000 21.72 230.25

20 Feb-08 5000 23.26 214.98

21 Mar-08 5000 26.09 191.67

22 Apr-08 5000 25.11 199.15

23 May-08 5000 25.46 196.35

24 Jun-08 5000 25.82 193.64

25 Jul-08 5000 26.94 185.61

26 Aug-08 5000 23.81 210.04

27 Sep-08 5000 21.53 232.25

28 Oct-08 5000 20.62 242.52

29 Nov-08 5000 18.83 265.50

30 Dec-08 5000 18.88 264.81

31 Jan-09 5000 20.44 244.58 32 Feb-09 5000 23.44 213.28 33 Mar-09 5000 24.10 207.44 34 Apr-09 5000 23.26 214.97 35 May-09 5000 24.47 204.37 36 Jun-09 5000 25.03 199.79 37 Jul-09 5000 23.98 208.55 38 Aug-09 5000 25.16 198.74 39 Sep-09 5000 28.35 176.39 40 Oct-09 5000 29.29 170.69 41 Nov-09 5000 30.14 165.91 42 Dec-09 5000 30.30 165.01 43 Jan-10 5000 29.37 170.24 44 Feb-10 5000 26.73 187.02 45 Mar-10 5000 28.40 176.03 46 Apr-10 5000 29.39 170.12 47 May-10 5000 30.76 162.57 48 Jun-10 5000 31.23 160.08 49 Jul-10 5000 31.02 161.20 50 Aug-10 5000 31.45 158.97 51 Sep-10 5000 34.03 146.91 52 Oct-10 5000 37.43 133.58 53 Nov-10 5000 43.14 115.90 54 Dec-10 5000 47.28 105.76 55 Jan-11 5000 49.77 100.46 56 Feb-11 5000 46.41 107.74 57 Mar-11 5000 53.77 92.99 58 Apr-11 5000 59.89 83.49 59 May-11 5000 76.16 65.65 60 Jun-11 5000 61.21 81.69

Total 300000 11866.17


GSTD Silver Weight Benefit if settled on 30th July, 2011 for total amount of Rs.300000 11866.17



Total Benefit 147.09



Rate Qty in cts

1 Jul-10 5000 42500 0.12

2 Aug-10 5000 42500 0.12

3 Sep-10 5000 42500 0.12

4 Oct-10 5000 42500 0.12

5 Nov-10 5000 42500 0.12

6 Dec-10 5000 42500 0.12

7 Jan-11 5000 42500 0.12

8 Feb-11 5000 44930 0.11

9 Mar-11 5000 53393 0.09

10 Apr-11 5000 60179 0.08

11 May-11 5000 67250 0.07

12 Jun-11 5000 68929 0.07

Total 60000 1.26

Diamond Rate for "Dia weight range 0.01 - 0.068" as on 30th July, 2011 79000

GSTD Diamond Weight Benefit if settled on 30th July, 2011 for total amount of Rs. 60000 1.26

Walk-in customer if they purchase it on 30th July, 2011 for total amount of Rs. 60000 = 60000/79000 0.76


Total Benefit 65.69

Working sheets of past data : DIAMONDS ( 12 months)


Rate Qty in gms

1 Jan-10 5000 42500 0.12 2 Feb-10 5000 42500 0.12

3 Mar-10 5000 42500 0.12 4 Apr-10 5000 42500 0.12

5 May-10 5000 42500 0.12 6 Jun-10 5000 42500 0.12

7 Jul-10 5000 42500 0.12 8 Aug-10 5000 42500 0.12

9 Sep-10 5000 42500 0.12 10 Oct-10 5000 42500 0.12

11 Nov-10 5000 42500 0.12

12 Dec-10 5000 42500 0.12 13 Jan-11 5000 42500 0.12

14 Feb-11 5000 44930 0.11 15 Mar-11 5000 53393 0.09

16 Apr-11 5000 60179 0.08 17 May-11 5000 67250 0.07

18 Jun-11 5000 68929 0.07

Total 90000 1.96





Total Benefit 72.42



Rate Qty in gms

1 Jul-09 5000 42500 0.12

2 Aug-09 5000 42500 0.12

3 Sep-09 5000 42500 0.12 4 Oct-09 5000 42500 0.12

5 Nov-09 5000 42500 0.12

6 Dec-09 5000 42500 0.12

7 Jan-10 5000 42500 0.12

8 Feb-10 5000 42500 0.12

9 Mar-10 5000 42500 0.12

10 Apr-10 5000 42500 0.12

11 May-10 5000 42500 0.12

12 Jun-10 5000 42500 0.12

13 Jul-10 5000 42500 0.12

14 Aug-10 5000 42500 0.12 15 Sep-10 5000 42500 0.12

16 Oct-10 5000 42500 0.12

17 Nov-10 5000 42500 0.12

18 Dec-10 5000 42500 0.12

19 Jan-11 5000 42500 0.12

20 Feb-11 5000 44930 0.11

21 Mar-11 5000 53393 0.09

22 Apr-11 5000 60179 0.08

23 May-11 5000 67250 0.07

24 Jun-11 5000 68929 0.07

Total 120000 2.67





Total Benefit 75.79


Inst No. Month Principal Amt Monthly Average Rate Qty in gms 1 Jul-08 5000 44500 0.11 2 Aug-08 5000 44500 0.11 3 Sep-08 5000 44500 0.11 4 Oct-08 5000 44500 0.11 5 Nov-08 5000 44500 0.11 6 Dec-08 5000 44500 0.11 7 Jan-09 5000 44500 0.11 8 Feb-09 5000 44500 0.11 9 Mar-09 5000 44500 0.11

10 Apr-09 5000 44500 0.11 11 May-09 5000 42500 0.12 12 Jun-09 5000 42500 0.12 13 Jul-09 5000 42500 0.12 14 Aug-09 5000 42500 0.12 15 Sep-09 5000 42500 0.12 16 Oct-09 5000 42500 0.12 17 Nov-09 5000 42500 0.12 18 Dec-09 5000 42500 0.12 19 Jan-10 5000 42500 0.12 20 Feb-10 5000 42500 0.12 21 Mar-10 5000 42500 0.12 22 Apr-10 5000 42500 0.12 23 May-10 5000 42500 0.12 24 Jun-10 5000 42500 0.12 25 Jul-10 5000 42500 0.12 26 Aug-10 5000 42500 0.12 27 Sep-10 5000 42500 0.12 28 Oct-10 5000 42500 0.12 29 Nov-10 5000 42500 0.12 30 Dec-10 5000 42500 0.12 31 Jan-11 5000 42500 0.12 32 Feb-11 5000 44930 0.11 33 Mar-11 5000 53393 0.09 34 Apr-11 5000 60179 0.08 35 May-11 5000 67250 0.07 36 Jun-11 5000 68929 0.07

Total 180000 4.03



Walk-in customer if they purchase it on 30th July, 2011 for total amount of Rs. 180000 = 180000/79000 2.28 Difference of Weight 1.75

Total Benefit 76.83


31 Jan-09 5000 42500 0.12 32 Feb-09 5000 42500 0.12 33 Mar-09 5000 42500 0.12 34 Apr-09 5000 42500 0.12 35 May-09 5000 42500 0.12 36 Jun-09 5000 42500 0.12 37 Jul-09 5000 42500 0.12 38 Aug-09 5000 42500 0.12 39 Sep-09 5000 42500 0.12 40 Oct-09 5000 42500 0.12 41 Nov-09 5000 42500 0.12 42 Dec-09 5000 42500 0.12 43 Jan-10 5000 42500 0.12 44 Feb-10 5000 42500 0.12 45 Mar-10 5000 42500 0.12 46 Apr-10 5000 42500 0.12 47 May-10 5000 42500 0.12 48 Jun-10 5000 42500 0.12

Total 240000 5.81

Diamond Rate for "Dia weight range 0.01 - 0.068" as on 30th July, 2011 79000 Rs. /p carat

GSTD Diamond Weight Benefit if settled on 30th July, 2011 for total amount of Rs. 240000 5.81 Cts

Walk-in customer if they purchase it on 30th July, 2011 for total amount of Rs. 240000 = 240000/ 3.04 Cts

Difference of Weight 2.77 Cts

Total Benefit 91.32


Rate Qty in gms

1 Jul-06 5000 39500 0.13

2 Aug-06 5000 39500 0.13

3 Sep-06 5000 39500 0.13

4 Oct-06 5000 38500 0.13

5 Nov-06 5000 38500 0.13

6 Dec-06 5000 38500 0.13

7 Jan-07 5000 38500 0.13

8 Feb-07 5000 39500 0.13

9 Mar-07 5000 39500 0.13

10 Apr-07 5000 39500 0.13

11 May-07 5000 39500 0.13

12 Jun-07 5000 39500 0.13

13 Jul-07 5000 39500 0.13

14 Aug-07 5000 39500 0.13

15 Sep-07 5000 39500 0.13

16 Oct-07 5000 39500 0.13

17 Nov-07 5000 39500 0.13

18 Dec-07 5000 42500 0.12

19 Jan-08 5000 42500 0.12

20 Feb-08 5000 42500 0.12

21 Mar-08 5000 42500 0.12

22 Apr-08 5000 42500 0.12

23 May-08 5000 42500 0.12

24 Jun-08 5000 42500 0.12

25 Jul-08 5000 42500 0.12

26 Aug-08 5000 42500 0.12

27 Sep-08 5000 42500 0.12

28 Oct-08 5000 42500 0.12

29 Nov-08 5000 42500 0.12

30 Dec-08 5000 42500 0.12



1 Jul-06 5000 39500 0.13

2 Aug-06 5000 39500 0.13

3 Sep-06 5000 39500 0.13

4 Oct-06 5000 38500 0.13

5 Nov-06 5000 38500 0.13

6 Dec-06 5000 38500 0.13

7 Jan-07 5000 38500 0.13

8 Feb-07 5000 39500 0.13

9 Mar-07 5000 39500 0.13

10 Apr-07 5000 39500 0.13

11 May-07 5000 39500 0.13

12 Jun-07 5000 39500 0.13

13 Jul-07 5000 39500 0.13

14 Aug-07 5000 39500 0.13

15 Sep-07 5000 39500 0.13

16 Oct-07 5000 39500 0.13

17 Nov-07 5000 39500 0.13

18 Dec-07 5000 42500 0.12

19 Jan-08 5000 42500 0.12

20 Feb-08 5000 42500 0.12

21 Mar-08 5000 42500 0.12

22 Apr-08 5000 42500 0.12

23 May-08 5000 42500 0.12

24 Jun-08 5000 42500 0.12

25 Jul-08 5000 42500 0.12

26 Aug-08 5000 42500 0.12

27 Sep-08 5000 42500 0.12

28 Oct-08 5000 42500 0.12

29 Nov-08 5000 42500 0.12

30 Dec-08 5000 42500 0.12


31 Jan-09 5000 42500 0.12

32 Feb-09 5000 42500 0.12

33 Mar-09 5000 42500 0.12

34 Apr-09 5000 42500 0.12

35 May-09 5000 42500 0.12

36 Jun-09 5000 42500 0.12

37 Jul-09 5000 42500 0.12

38 Aug-09 5000 42500 0.12

39 Sep-09 5000 42500 0.12

40 Oct-09 5000 42500 0.12

41 Nov-09 5000 42500 0.12

42 Dec-09 5000 42500 0.12

43 Jan-10 5000 42500 0.12

44 Feb-10 5000 42500 0.12

45 Mar-10 5000 42500 0.12

46 Apr-10 5000 42500 0.12

47 May-10 5000 42500 0.12

48 Jun-10 5000 42500 0.12

49 Jul-10 5000 42500 0.12

50 Aug-10 5000 42500 0.12

51 Sep-10 5000 42500 0.12

52 Oct-10 5000 42500 0.12

53 Nov-10 5000 42500 0.12

54 Dec-10 5000 42500 0.12

55 Jan-11 5000 42500 0.12

56 Feb-11 5000 44930 0.11

57 Mar-11 5000 53393 0.09

58 Apr-11 5000 60179 0.08

59 May-11 5000 67250 0.07

60 Jun-11 5000 68929 0.07

Total 300000 7.07

Diamond Rate for "Dia weight range 0.01 - 0.068" as on 30th July, 2011 79000 Rs. /p carat

GSTD Diamond Weight Benefit if settled on 30th July, 2011 for total amount of Rs. 300000 7.07 Cts

Walk-in customer if they purchase it on 30th July, 2011 for total amount of Rs. 300000 = 300000/79000 3.80 Cts

Difference of Weight 3.27 Cts


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