Refund Policy
Our refund policy ensures fair and transparent return processes for all jewelry purchases.
Last updated: January 13, 2026
Important Notice
All returns and refunds must be processed in-store. We do not accept returns through mail or online. Please visit our store with your purchase receipt and the item in its original condition.
General Return Policy
At Swarn Shikhar Jewellers, we want you to be completely satisfied with your purchase. Our return policy is designed to be fair while protecting the integrity of our jewelry and business operations.
Return Timeline
- Standard Jewelry: Returns accepted within 7 days of purchase
- Diamond Jewelry: Returns accepted within 3 days of purchase
- Gold Jewelry: Returns accepted within 7 days of purchase
- Custom Jewelry: Generally non-returnable (see exceptions below)
Return Conditions
- Item must be in original, unworn condition
- All original tags, certificates, and packaging must be included
- Original purchase receipt is required
- Item must not show signs of wear, damage, or alteration
- Returns must be processed in-store only
Refund Process
Step-by-Step Process
- Visit Our Store: Bring the item, original receipt, and all accessories to our store
- Item Inspection: Our team will inspect the item to ensure it meets return conditions
- Documentation: We will verify the purchase details and return eligibility
- Refund Processing: If approved, refund will be processed according to our refund methods
- Completion: You will receive a refund receipt and confirmation
Refund Methods
- Cash Purchases: Refund in cash (subject to daily limits)
- Card Payments: Refund to original payment method (3-7 business days)
- UPI/Digital Payments: Refund to original payment method (1-3 business days)
- Store Credit: Available as an alternative option
Refund Deductions and Fees
Certain deductions may apply to refunds based on the type of jewelry and circumstances:
Standard Deductions
- Making Charges: Non-refundable for gold jewelry
- Wastage Charges: May be deducted based on current market rates
- Stone Setting: Charges for stone setting are generally non-refundable
- Certification Fees: Third-party certification costs are non-refundable
Market Rate Adjustments
- Gold refunds are calculated based on current market rates at the time of return
- Diamond values may be subject to market evaluation
- Price fluctuations between purchase and return dates may affect refund amounts
Non-Returnable Items
The following items are generally not eligible for return:
- Custom-Made Jewelry: Items made to specific customer requirements
- Engraved Items: Jewelry with personalized engravings
- Altered Items: Jewelry that has been resized or modified
- Worn Items: Jewelry showing signs of wear or use
- Damaged Items: Items damaged by customer misuse
- Special Orders: Items ordered specifically for the customer
- Clearance Items: Items sold at clearance or special discount prices
Exchange Policy
We offer exchanges as an alternative to refunds under certain conditions:
Exchange Conditions
- Exchanges must be for items of equal or greater value
- Price differences must be paid at the time of exchange
- Exchange timeline follows the same rules as returns
- Original item must meet all return conditions
Exchange Benefits
- No deduction of making charges on the original item
- Full value credit towards new purchase
- Opportunity to upgrade to higher value items
- Flexibility in choosing different designs or styles
Warranty vs Returns
It's important to understand the difference between warranty claims and returns:
Warranty Claims
- • Manufacturing defects
- • Stone loosening or falling
- • Clasp or chain breakage
- • Plating or finish issues
- • Covered for specified warranty period
Return Requests
- • Change of mind
- • Size or style preferences
- • Gift returns
- • Dissatisfaction with purchase
- • Subject to return policy timeline
Special Circumstances
Defective Items
If you receive a defective item:
- Contact us immediately upon discovery
- Bring the item to our store for inspection
- Full refund or replacement will be provided
- No deductions will be applied for genuine defects
Gift Returns
For gift returns:
- Original gift receipt is required
- Returns follow the same timeline and conditions
- Refund will be provided to the original purchaser
- Store credit may be offered as an alternative
Contact Us for Returns
For any questions about returns or to initiate a return process, please contact us:
Visit Our Store
Shop No 6, Aashirwad Building
Narayan Gajanan Acharya Marg
Chembur West, Mumbai 400071
Call Us
+918591241161
Email Us
swarnshikhar@gmail.com
Business Hours
Mon: 10:30 AM - 2:00 PM
Tue-Sun: 10:30 AM - 9:30 PM