{"title":"Jewelry on EMI at Lucira","description":"\u003cstyle\u003e\n.emi-hub{max-width:1080px;margin:0 auto;padding:8px 16px 48px;color:#2b2523;line-height:1.7;font-size:16px}\n.emi-hub *{box-sizing:border-box}\n.emi-hub h2{font-size:28px;line-height:1.25;margin:0 0 14px;padding-top:6px;scroll-margin-top:90px}\n.emi-hub h3{font-size:19px;margin:22px 0 8px}\n.emi-hub p{margin:0 0 14px}\n.emi-hub a{color:#9b4d5e;text-decoration:underline;text-underline-offset:3px}\n.emi-hub section{padding:34px 0;border-top:1px solid #eadfdb}\n.emi-hub .hero{background:linear-gradient(135deg,#fbf3f1,#f6ebe7);border:1px solid #eadfdb;border-radius:16px;padding:32px 28px;margin:6px 0 28px}\n.emi-hub .hero .lead{font-size:21px;line-height:1.45;margin:0 0 14px;font-weight:600}\n.emi-hub .scope{background:#fff;border-left:4px solid #9b4d5e;border-radius:8px;padding:14px 18px;margin:16px 0}\n.emi-hub .scope p{margin:0 0 4px}\n.emi-hub .btns{display:flex;flex-wrap:wrap;gap:12px;margin:18px 0 6px}\n.emi-hub .btn{display:inline-block;padding:12px 22px;border-radius:999px;font-weight:600;text-decoration:none;font-size:15px}\n.emi-hub .btn-p{background:#9b4d5e;color:#fff}\n.emi-hub .btn-s{border:1.5px solid #9b4d5e;color:#9b4d5e;background:#fff}\n.emi-hub .trust{font-size:14px;color:#6d625e;margin:14px 0 0}\n.emi-hub .chips{display:flex;flex-wrap:wrap;gap:10px;margin:14px 0}\n.emi-hub .chip{background:#fff;border:1px solid #d9c7c1;border-radius:999px;padding:8px 18px;font-weight:600}\n.emi-hub .facts{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin:22px 0 0}\n.emi-hub .fact{background:#fff;border:1px solid #eadfdb;border-radius:12px;padding:14px;text-align:center}\n.emi-hub .fact b{display:block;font-size:20px;color:#9b4d5e}\n.emi-hub .fact span{font-size:13px;color:#6d625e}\n.emi-hub .toc{background:#faf6f4;border:1px solid #eadfdb;border-radius:12px;padding:18px 22px;margin:0 0 8px}\n.emi-hub .toc strong{display:block;margin-bottom:8px;font-size:17px}\n.emi-hub .toc ol{margin:0;padding-left:22px;columns:2;column-gap:36px}\n.emi-hub .toc li{margin:4px 0;break-inside:avoid}\n.emi-hub .two{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:16px 0}\n.emi-hub .card{border:1px solid #eadfdb;border-radius:12px;padding:18px 20px;background:#fff}\n.emi-hub .card h3{margin-top:0}\n.emi-hub .yes{border-top:4px solid #3f8f5f}\n.emi-hub .no{border-top:4px solid #b5503c}\n.emi-hub .steps{counter-reset:s;list-style:none;padding:0;margin:16px 0;display:grid;gap:12px}\n.emi-hub .steps li{counter-increment:s;position:relative;background:#fff;border:1px solid #eadfdb;border-radius:12px;padding:14px 16px 14px 60px}\n.emi-hub .steps li:before{content:counter(s);position:absolute;left:16px;top:12px;width:30px;height:30px;border-radius:50%;background:#9b4d5e;color:#fff;text-align:center;line-height:30px;font-weight:700}\n.emi-hub .note{background:#faf6f4;border-radius:10px;padding:14px 18px;margin:16px 0}\n.emi-hub table{width:100%;border-collapse:collapse;margin:16px 0;font-size:15px}\n.emi-hub th,.emi-hub td{border:1px solid #eadfdb;padding:12px 14px;text-align:left;vertical-align:top}\n.emi-hub th{background:#f6ebe7}\n.emi-hub .tw{overflow-x:auto}\n.emi-hub .stores{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:16px 0;padding:0;list-style:none}\n.emi-hub .stores li{border:1px solid #eadfdb;border-radius:12px;padding:14px 16px;background:#fff}\n.emi-hub .stores a{font-weight:600}\n.emi-hub details{border:1px solid #eadfdb;border-radius:10px;margin:10px 0;background:#fff}\n.emi-hub summary{cursor:pointer;padding:14px 18px;font-weight:600;font-size:17px;list-style:none;position:relative;padding-right:44px}\n.emi-hub summary::-webkit-details-marker{display:none}\n.emi-hub summary:after{content:\"+\";position:absolute;right:18px;top:10px;font-size:22px;color:#9b4d5e}\n.emi-hub details[open] summary:after{content:\"\\2212\"}\n.emi-hub details p{padding:0 18px;margin:0 0 14px}\n.emi-hub .disc{font-size:13px;color:#6d625e;border-top:1px solid #eadfdb;margin-top:28px;padding-top:14px}\n.emi-hub .reslist{padding-left:20px}\n@media(max-width:760px){.emi-hub h2{font-size:23px}.emi-hub .hero{padding:22px 16px}.emi-hub .hero .lead{font-size:18px}.emi-hub .two,.emi-hub .stores{grid-template-columns:1fr}.emi-hub .facts{grid-template-columns:1fr 1fr}.emi-hub .toc ol{columns:1}}\n\u003c\/style\u003e\n\u003cdiv class=\"emi-hub\"\u003e\n\u003cdiv class=\"hero\"\u003e\n\u003cp class=\"lead\"\u003eYou can buy jewelry on EMI at Lucira where eligible, with 0-cost EMI and tenures of 3, 6, 9 and 12 months.\u003c\/p\u003e\n\u003cdiv class=\"scope\"\u003e\n\u003cp\u003e\u003cstrong\u003eEMI applies only to the eligible diamond component of a piece. We do not finance the gold component.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eThe gold component is paid as a down payment.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cp\u003e\u003cstrong\u003eGet your jewelry without waiting for the final EMI.\u003c\/strong\u003e Once the required approval, KYC and order formalities are completed, eligible ready-to-ship (RTS) and made-to-order (MTO) orders can be handed over while the remaining EMIs continue as scheduled.\u003c\/p\u003e\n\u003cdiv class=\"btns\"\u003e\n\u003ca class=\"btn btn-p\" href=\"#how-it-works\"\u003eSee how EMI works\u003c\/a\u003e\u003ca class=\"btn btn-s\" href=\"#experience-centres\"\u003eVisit an Experience Centre\u003c\/a\u003e\n\u003c\/div\u003e\n\u003cp class=\"trust\"\u003eCertified lab-grown diamonds · Experience Centres in Mumbai, Pune, Noida and Delhi\u003c\/p\u003e\n\u003cdiv class=\"facts\"\u003e\n\u003cdiv class=\"fact\"\u003e\n\u003cb\u003e3, 6, 9, 12\u003c\/b\u003e\u003cspan\u003emonth EMI tenures\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fact\"\u003e\n\u003cb\u003e0-cost EMI\u003c\/b\u003e\u003cspan\u003eon the eligible diamond component\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fact\"\u003e\n\u003cb\u003e₹0\u003c\/b\u003e\u003cspan\u003eprocessing fee\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fact\"\u003e\n\u003cb\u003eNo extra cost\u003c\/b\u003e\u003cspan\u003echarged to you for EMI\u003c\/span\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cnav class=\"toc\"\u003e\u003cstrong\u003eOn this page\u003c\/strong\u003e\n\u003col\u003e\n\u003cli\u003e\u003ca href=\"#can-i-buy\"\u003eCan I buy jewelry on EMI at Lucira?\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"#what-is\"\u003eWhat is jewelry on EMI?\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"#what-covers\"\u003eWhat Lucira's EMI covers\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"#how-it-works\"\u003eHow buying jewelry on EMI works\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"#eligibility\"\u003eEligibility: CIBIL check and KYC\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"#tenure-cost\"\u003eEMI tenure, cost and monthly payment\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"#gold\"\u003eGold jewelry and EMI\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"#payment-plans\"\u003eJewelry payment plans compared\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"#planning\"\u003ePlanning your purchase\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"#experience-centres\"\u003eLucira Experience Centres\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"#why-lucira\"\u003eWhy Lucira diamonds\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"#faqs\"\u003eFrequently asked questions\u003c\/a\u003e\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003c\/nav\u003e\n\u003csection id=\"can-i-buy\"\u003e\n\u003ch2\u003eCan I buy jewelry on EMI at Lucira?\u003c\/h2\u003e\n\u003cp\u003e\u003cstrong\u003eYes, you can buy eligible jewelry from Lucira on EMI.\u003c\/strong\u003e 0-cost EMI is available in tenures of 3, 6, 9 and 12 months. The EMI covers the eligible diamond component of a piece, so on a piece that combines diamonds and gold, only the diamond part is financed. A CIBIL check and KYC are required.\u003c\/p\u003e\n\u003cdiv class=\"chips\"\u003e\n\u003cspan class=\"chip\"\u003e3 months\u003c\/span\u003e\u003cspan class=\"chip\"\u003e6 months\u003c\/span\u003e\u003cspan class=\"chip\"\u003e9 months\u003c\/span\u003e\u003cspan class=\"chip\"\u003e12 months\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cp\u003eIf you are comparing jewelry EMI plans, the three things to check first are what the EMI covers, what you pay upfront, and what is needed before the piece is handed over. Each is explained below.\u003c\/p\u003e\n\u003c\/section\u003e\n\u003csection id=\"what-is\"\u003e\n\u003ch2\u003eWhat is jewelry on EMI?\u003c\/h2\u003e\n\u003cp\u003e\u003cstrong\u003eJewelry on EMI means paying for a piece in monthly installments instead of paying the whole price at once.\u003c\/strong\u003e EMI stands for equated monthly installment. Paying in full settles the entire price at purchase, while EMI spreads the cost over a series of monthly payments.\u003c\/p\u003e\n\u003cp\u003eIt is a way to plan a larger purchase such as an engagement ring, a mangalsutra or a pair of diamond earrings without a single large payment for the financed part. What Lucira's EMI covers is set out in the next section.\u003c\/p\u003e\n\u003c\/section\u003e\n\u003csection id=\"what-covers\"\u003e\n\u003ch2\u003eWhat Lucira's EMI covers\u003c\/h2\u003e\n\u003cp\u003e\u003cstrong\u003eLucira's EMI covers the eligible diamond component of a piece.\u003c\/strong\u003e We do not finance the gold component, which is paid as a down payment. How much of a purchase can be paid in monthly installments therefore depends on the diamond component of the piece you choose.\u003c\/p\u003e\n\u003cdiv class=\"two\"\u003e\n\u003cdiv class=\"card yes\"\u003e\n\u003ch3\u003eWhat is financed\u003c\/h3\u003e\n\u003cp\u003eThe eligible diamond component of the jewelry, which you can pay in monthly installments over your chosen tenure.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card no\"\u003e\n\u003ch3\u003eWhat is not financed\u003c\/h3\u003e\n\u003cp\u003eThe gold component, which is paid as a down payment.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection id=\"how-it-works\"\u003e\n\u003ch2\u003eHow buying jewelry on EMI works\u003c\/h2\u003e\n\u003cp\u003e\u003cstrong\u003eYou choose an eligible piece, complete the required checks and approval, and the jewelry is handed over while you pay the remaining EMIs on the approved schedule.\u003c\/strong\u003e\u003c\/p\u003e\n\u003col class=\"steps\"\u003e\n\u003cli\u003e\n\u003cstrong\u003eChoose an eligible piece.\u003c\/strong\u003e EMI applies to the eligible diamond component of the piece.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eComplete the required checks.\u003c\/strong\u003e These include a CIBIL check and mandatory KYC.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eGo through approval and order formalities.\u003c\/strong\u003e The jewelry is handed over once these are complete.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eReceive your jewelry and continue your EMIs.\u003c\/strong\u003e You pay the remaining EMIs on the approved schedule.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003ch3\u003eDo I have to wait until the EMI is fully paid?\u003c\/h3\u003e\n\u003cp\u003eNo. You do not have to wait until your final EMI is paid to receive your jewelry. For eligible ready-to-ship (RTS) and made-to-order (MTO) orders, the jewelry is handed over once the required EMI, KYC, approval and order formalities are complete, and you then continue paying the remaining EMIs on the approved schedule.\u003c\/p\u003e\n\u003c\/section\u003e\n\u003csection id=\"eligibility\"\u003e\n\u003ch2\u003eEligibility for jewelry EMI: CIBIL check and KYC\u003c\/h2\u003e\n\u003cp\u003e\u003cstrong\u003eJewelry EMI at Lucira requires a CIBIL check, and KYC is mandatory for EMI orders.\u003c\/strong\u003e These checks, together with approval and the other required order formalities, are completed before the jewelry is handed over to you.\u003c\/p\u003e\n\u003cdiv class=\"two\"\u003e\n\u003cdiv class=\"card\"\u003e\n\u003ch3\u003eCIBIL check\u003c\/h3\u003e\n\u003cp\u003eA CIBIL check is part of the EMI process for every EMI order.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card\"\u003e\n\u003ch3\u003eKYC\u003c\/h3\u003e\n\u003cp\u003eKYC is mandatory. It is completed along with approval and the other order formalities.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cp\u003eNot every piece is eligible for EMI, so check that the piece you want qualifies before you plan around it.\u003c\/p\u003e\n\u003c\/section\u003e\n\u003csection id=\"tenure-cost\"\u003e\n\u003ch2\u003eEMI tenure, cost and monthly payment\u003c\/h2\u003e\n\u003cp\u003e\u003cstrong\u003eLucira offers 0-cost EMI on the eligible diamond component of a piece, with tenures of 3, 6, 9 and 12 months.\u003c\/strong\u003e The processing fee is ₹0, and no extra EMI cost is charged to you.\u003c\/p\u003e\n\u003cdiv class=\"chips\"\u003e\n\u003cspan class=\"chip\"\u003e3-month EMI\u003c\/span\u003e\u003cspan class=\"chip\"\u003e6-month EMI\u003c\/span\u003e\u003cspan class=\"chip\"\u003e9-month EMI\u003c\/span\u003e\u003cspan class=\"chip\"\u003e12-month EMI\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cp\u003eYour monthly amount depends on the amount financed and the tenure you choose. Because EMI covers only part of a piece, the amount financed is that part and not the full price of the piece. A shorter tenure means fewer, larger monthly payments; a longer tenure spreads the same financed amount over more months.\u003c\/p\u003e\n\u003c\/section\u003e\n\u003csection id=\"gold\"\u003e\n\u003ch2\u003eGold jewelry and EMI: what to know\u003c\/h2\u003e\n\u003cp\u003e\u003cstrong\u003eLucira does not finance gold.\u003c\/strong\u003e EMI applies only to the eligible diamond component of a piece, so gold jewelry without diamonds is not covered, and on a piece that combines diamonds and gold, only the diamond part can be financed. The gold component is payable as a down payment.\u003c\/p\u003e\n\u003ch3\u003eWhat you can do instead\u003c\/h3\u003e\n\u003cp\u003eIf you would like to plan a purchase over time in another way, see the \u003ca href=\"\/schemes\"\u003eVault of Dreams savings scheme\u003c\/a\u003e. To understand gold purity, read \u003ca href=\"\/blogs\/stories\/22-carat-gold-hallmark\"\u003ewhat a 22 carat hallmark means\u003c\/a\u003e.\u003c\/p\u003e\n\u003c\/section\u003e\n\u003csection id=\"payment-plans\"\u003e\n\u003ch2\u003eJewelry payment plans: EMI vs Vault of Dreams vs paying in full\u003c\/h2\u003e\n\u003cp\u003e\u003cstrong\u003eLucira offers three ways to pay for jewelry: EMI, the Vault of Dreams savings scheme and paying in full.\u003c\/strong\u003e EMI lets you pay the eligible diamond component in monthly installments. Vault of Dreams is a savings scheme with nine installments, where Lucira pays the tenth; it involves no lender. Paying in full settles the entire price at purchase.\u003c\/p\u003e\n\u003cdiv class=\"tw\"\u003e\n\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003e\u003c\/th\u003e\n\u003cth\u003eEMI\u003c\/th\u003e\n\u003cth\u003eVault of Dreams\u003c\/th\u003e\n\u003cth\u003ePaying in full\u003c\/th\u003e\n\u003c\/tr\u003e\n\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003cth scope=\"row\"\u003eWhat it is\u003c\/th\u003e\n\u003ctd\u003eMonthly installments on the eligible diamond component\u003c\/td\u003e\n\u003ctd\u003eA savings scheme\u003c\/td\u003e\n\u003ctd\u003eOne payment of the full price\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003cth scope=\"row\"\u003eHow it works\u003c\/th\u003e\n\u003ctd\u003eTenures of 3, 6, 9 or 12 months; CIBIL check and KYC; jewelry handed over once the required formalities are complete\u003c\/td\u003e\n\u003ctd\u003eNine installments, with Lucira paying the tenth\u003c\/td\u003e\n\u003ctd\u003eYou pay the whole price when you buy\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"note\"\u003e\n\u003cstrong\u003eWhich one suits you?\u003c\/strong\u003e Choose EMI if you want to pay the diamond component in monthly installments after approval. Choose Vault of Dreams if you prefer to save toward a piece. Pay in full if you want to settle the entire price at purchase.\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection id=\"planning\"\u003e\n\u003ch2\u003ePlanning your purchase\u003c\/h2\u003e\n\u003cp\u003e\u003cstrong\u003eDecide the piece first, then the payment plan.\u003c\/strong\u003e The diamond component and the tenure you choose decide your monthly amount, and the gold component is paid as a down payment.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eEngagement and wedding jewelry:\u003c\/strong\u003e rings, mangalsutras and sets are big-ticket purchases where spreading the diamond component over 3, 6, 9 or 12 months can help.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eGifts and anniversaries:\u003c\/strong\u003e for a gift such as a Valentine's Day piece, confirm that the piece is EMI-eligible and that approval and KYC are completed before you need it.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eEveryday diamond jewelry:\u003c\/strong\u003e earrings, pendants and bracelets follow the same rule: EMI covers the eligible diamond component only.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eTo see the jewelry in person before you decide, visit an Experience Centre below.\u003c\/p\u003e\n\u003c\/section\u003e\n\u003csection id=\"experience-centres\"\u003e\n\u003ch2\u003eLucira Experience Centres\u003c\/h2\u003e\n\u003cp\u003e\u003cstrong\u003eYou can see our diamond jewelry in person at Lucira Experience Centres in Mumbai (Chembur and Borivali), Pune, Noida and Delhi.\u003c\/strong\u003e Open a store page for its address and timings.\u003c\/p\u003e\n\u003cul class=\"stores\"\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/pune-store\"\u003ePune Experience Centre\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/chembur-store\"\u003eChembur Experience Centre\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/sky-city-borivali-store\"\u003eBorivali Experience Centre\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/noida-store\"\u003eNoida Experience Centre\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/lajpat-nagar-store\"\u003eLajpat Nagar Experience Centre\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/paschim-vihar\"\u003ePaschim Vihar Experience Centre\u003c\/a\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/section\u003e\n\u003csection id=\"why-lucira\"\u003e\n\u003ch2\u003eWhy Lucira diamonds\u003c\/h2\u003e\n\u003cp\u003e\u003cstrong\u003eWe make diamond jewelry with lab-grown diamonds, available with independent certification from labs including IGI and SGL.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cdiv class=\"two\"\u003e\n\u003cdiv class=\"card\"\u003e\n\u003ch3\u003eCertified\u003c\/h3\u003e\n\u003cp\u003eA diamond certificate records the stone's grading independently of the seller. Read \u003ca href=\"\/blogs\/stories\/sgl-certification-and-how-to-read-it\"\u003ehow to interpret an SGL certificate\u003c\/a\u003e.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card\"\u003e\n\u003ch3\u003eLab-grown\u003c\/h3\u003e\n\u003cp\u003eA lab-grown diamond is grown in a laboratory rather than mined. Read \u003ca href=\"\/blogs\/stories\/cvd-diamond-full-form\"\u003ewhat CVD means in a diamond\u003c\/a\u003e and \u003ca href=\"\/blogs\/stories\/vvs-ef-diamonds-what-they-really-mean-and-why-they-matter\"\u003ewhat VVS-EF means\u003c\/a\u003e.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection id=\"faqs\"\u003e\n\u003ch2\u003eFrequently asked questions\u003c\/h2\u003e\n\u003cdetails\u003e\n\u003csummary\u003eCan I buy jewelry on EMI in India?\u003c\/summary\u003e\n\u003cp\u003eYes. You can buy eligible jewelry on EMI from Lucira, an Indian lab-grown diamond jewelry brand with Experience Centres in Mumbai, Pune, Noida and Delhi. EMI covers the eligible diamond component of a piece.\u003c\/p\u003e\n\u003c\/details\u003e\n\u003cdetails\u003e\n\u003csummary\u003eIs a CIBIL check required for jewelry EMI?\u003c\/summary\u003e\n\u003cp\u003eYes. A CIBIL check is required for jewelry EMI at Lucira, along with mandatory KYC. These checks are completed, together with approval and the other order formalities, before your jewelry is handed over. See the eligibility section above.\u003c\/p\u003e\n\u003c\/details\u003e\n\u003cdetails\u003e\n\u003csummary\u003eIs KYC mandatory for jewelry EMI?\u003c\/summary\u003e\n\u003cp\u003eYes. KYC is mandatory for EMI orders at Lucira. It is one of the required formalities completed, along with the CIBIL check and approval, before your jewelry is handed over to you.\u003c\/p\u003e\n\u003c\/details\u003e\n\u003cdetails\u003e\n\u003csummary\u003eIs 0-cost EMI available on jewelry?\u003c\/summary\u003e\n\u003cp\u003eYes, 0-cost EMI is available at Lucira. EMI applies to the eligible diamond component of a piece, with tenures of 3, 6, 9 and 12 months. The processing fee is ₹0, and no extra EMI cost is charged to you.\u003c\/p\u003e\n\u003c\/details\u003e\n\u003cdetails\u003e\n\u003csummary\u003eIs there a processing fee or any extra cost on jewelry EMI?\u003c\/summary\u003e\n\u003cp\u003eNo. The processing fee is ₹0, and no extra EMI cost is charged to you. EMI applies to the eligible diamond component only, and the gold component is payable as a down payment.\u003c\/p\u003e\n\u003c\/details\u003e\n\u003cdetails\u003e\n\u003csummary\u003eWhich EMI tenures are available?\u003c\/summary\u003e\n\u003cp\u003eEMI is available for 3, 6, 9 and 12 months at Lucira. Your monthly amount depends on the amount financed and the tenure you choose.\u003c\/p\u003e\n\u003c\/details\u003e\n\u003cdetails\u003e\n\u003csummary\u003eIs a down payment required for jewelry EMI?\u003c\/summary\u003e\n\u003cp\u003eYes. The gold component of a piece is payable as a down payment. EMI covers only the eligible diamond component.\u003c\/p\u003e\n\u003c\/details\u003e\n\u003cdetails\u003e\n\u003csummary\u003eCan I buy gold jewelry on EMI at Lucira?\u003c\/summary\u003e\n\u003cp\u003eLucira does not finance gold. EMI applies only to the eligible diamond component of a piece, so gold jewelry without diamonds is not covered. On a piece that combines diamonds and gold, the gold component is payable as a down payment.\u003c\/p\u003e\n\u003c\/details\u003e\n\u003cdetails\u003e\n\u003csummary\u003eDo I get the jewelry before I finish paying the EMIs?\u003c\/summary\u003e\n\u003cp\u003eFor eligible ready-to-ship (RTS) and made-to-order (MTO) orders, yes. The jewelry is handed over once the required EMI, KYC, approval and order formalities are complete, and the remaining EMIs continue on the approved schedule.\u003c\/p\u003e\n\u003c\/details\u003e\n\u003c\/section\u003e\n\u003csection id=\"resources\"\u003e\n\u003ch2\u003eMore resources\u003c\/h2\u003e\n\u003cul class=\"reslist\"\u003e\n\u003cli\u003e\u003ca href=\"\/blogs\/stories\/sgl-certification-and-how-to-read-it\"\u003eHow to read an SGL certificate\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/blogs\/stories\/vvs-ef-diamonds-what-they-really-mean-and-why-they-matter\"\u003eWhat VVS-EF means\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/blogs\/stories\/22-carat-gold-hallmark\"\u003eWhat a 22 carat hallmark means\u003c\/a\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp class=\"disc\"\u003eEMI applies only to the eligible diamond component of the jewelry. We do not finance the gold component. Lucira Jewelry · Divinecarat Lifestyles Private Limited\u003c\/p\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e","products":[],"url":"https:\/\/luciraonline.myshopify.com\/collections\/jewellery-on-emi.oembed","provider":"Lucira Jewelry","version":"1.0","type":"link"}