Own the solitaire
you’ve always dreamed of
Privilege · Price Protection · Promising
Book with just 10% today — that’s the first of your 9 instalments. Pay 8 more and Divine Solitaires adds the 10th, free. All with price protection, so you never overpay.
A Divine Solitaires savings plan · Available at partner stores
Three simple steps
A clear, transparent path to owning your dream solitaire.
Book with 10% today
Your 10% booking is the first of your 9 instalments — not an extra payment.
Pay 8 more instalments
That’s 9 instalments from you in all — and Divine Solitaires adds the 10th, free.
Take it home, price-protected
On maturity, choose and receive your Divine Solitaires diamond — at a price that’s protected.
You win either way
Your solitaire’s price is locked at the price on your booking date. If prices rise, you still pay the lower booked price; if they fall, you pay the lower current price. Only the gold moves with the market.
If prices go up — you pay the booked price, which is lower than the current price.
If prices go down — you pay the current, lower price instead.
Solitaire
Price protectedYou pay the solitaire price fixed on your booking date — shielded from any rise before your tenure ends.
Gold & charges
Current month’s rateGold, metal and making charges are calculated at the prevailing rate in your billing month — the same as buying on the day.
A plan for every budget
Pick a monthly instalment that suits you and save toward your chosen jewellery value.
Instalment is 10% of your chosen diamond’s value — pay 9, Divine adds the 10th.
Every PYDS plan is pay 9, get 10 — your 10% booking counts as the first instalment, you pay 8 more, and Divine Solitaires adds the tenth. For solitaires above 0.50 ct (PYDS E), you choose the diamond upfront and begin with a 10% advance. Metal & making charges apply at the prevailing rate on billing.
Benefits you’ll love
Pay 9, get 10 — plus price protection and a monthly reward, on every PYDS plan.
Your 10% booking is instalment 1. Pay 8 more (9 in all) — Divine adds the 10th free, and an 11th for group lucky winners.
+1 month free
You pay just 9 instalments — starting with your 10% booking — and Divine Solitaires adds the 10th on your behalf.
Price protection
Your solitaire is locked at the booking price — you win whether prices rise or fall.
Monthly lucky draw
Each month, one lucky member wins a bonus instalment. In a group plan, Divine adds this as an 11th instalment for winners.
An example: PYDS C
Here’s how a ₹10,000-a-month plan turns into more jewellery value.
You pay ₹90,000 (9 instalments, incl. your 10% booking) · take ₹1,00,000 with the +1 · up to ₹1,10,000 as a group lucky winner (11th instalment).
Terms & Conditions
Everything you should know before you enrol — in plain, simple language.
1Eligible products
2When you choose your diamond
3Final weight & value adjustment
4Delivery on maturity
5Group participation
6Getting started — advance
7Price protection & buyback
- Price protection applies only to Divine Solitaires diamonds.
- Buyback on DS products that are gifted, discounted or under PYDS is subject to a 2-year lock-in from the date of purchase, unless specifically mentioned.
- If the selected solitaire’s value exceeds the total scheme value, the most favourable price protection is determined — a SKU is identified based on the total accumulated scheme value, and price protection is calculated with reference to it. The applicable value is communicated to you before redemption.
8Balance payment & charges
- You must pay the balance amount in full before delivery of the product.
- Metal and other charges are calculated at the prevailing rates at the time of redemption.
9Rewards & privilege rules
- The monthly privilege reward is granted to one member per cycle.
- Each member can avail the bonus reward only once during the scheme tenure.
- No two schemes can be combined under this plan.
- All privileges are exclusive and non-transferable.
10Lucky draw eligibility
11Lucky draw process & transparency
12GPYDS WhatsApp group
13Pre-maturity & closure policy
- Buy before maturity (pre-closure): Pay the balance amount and receive price protection — the price at booking, or the prevailing price if lower.
- Terminate the scheme: If you stop paying the balance instalments, the scheme becomes void. You may buy any diamond equal to the amount paid to date, at prevailing prices as per the Divine Solitaires Nationwide Standard & Transparent Price List.
- Refund: Requesting a refund of the amount paid voids the scheme. If the diamond value is below ₹10,00,000, the buyback policy applies to the amount paid; if above ₹10,00,000, a refund cannot be opted for. Any additional benefits, waivers or free gifts already given are adjusted from the refund; those not yet given will not be applied.
14Delay in payment
- Interest at 18% per annum is charged if an instalment is delayed beyond its due date.
- If more than 3 instalments remain due and unpaid, Divine Solitaires reserves the right to terminate the PYDS. The amount deposited will either be forfeited, or you may choose to buy another DS product worth the amount already paid.
Your dream solitaire, one step away
Ask your jeweller to enrol you for PYDS — or leave your details and our team will reach out.