I had started the golden harvest scheme by Tanishq a year back and it just got matured.
Firstly, I wasn’t guided enough about the scheme, it’s terms and conditions but was only shown a creamy picture. Secondly, the service was very poor, I was hardly given any attention plus they hardly had any variety to show. I’d suggest you all to not go for the GHS unless and until you know what you want to buy. They claim to give you your money back with 7.5% returns on your monthly emi, but that’s just a discount voucher on the purchase that you make. They get it compensated anyway by charging heavily on making charges. You can either buy jewellery or gold coins. If you decide to just redeem your cash in return, you won’t get your 7.5% returns in the form of cash but a discount voucher.