The most reliable jeweler tanishq is a misleading and the consumers are falling prey to such misleading.
The term of the installment is used where you buy and then pay later on in the agreed installment.
The Tanishq are taking advance in 11 months and after 12 month they are selling the gold at the prevailing rate as on the end of 12th month.
In this was the consumer is paying price higher(assuming appreciation of gold) while he /she is paying in advance. In view of this culture of misleading selling, the business is being rated accordingly.