Chaitra Lifetime Buyback Policy
Chaitra Lifetime Buyback Policy
Last updated: May 20, 2026 · Effective immediately for all chaitra.co purchases
When you buy a lab-grown diamond from most jewellers, the unspoken truth is: once you walk out, your ring is worth what you can convince someone else to pay. No buyback. No guaranteed recovery. Your purchase becomes a sunk cost.
Chaitra's Lifetime Buyback Policy works differently. Every piece you buy from chaitra.co can be returned to us — at any point in your life — for a buyback at the current market value of the diamond and gold. No expiry. No fine-print "30% of original price" caps. Real math, real recovery, written down so you can see it.
Typical Asset Recovery: 70–85% of total purchase price
Over a 5-7 year holding period · Evaluated for a standard 1ct E/VVS solitaire ring
How Buyback Works in Numbers
Skip the marketing language. Here is the actual calculation for a transparent purchase scenario.
1. Purchase Value Baseline Today (May 2026)
| Component Allocation | Amount |
|---|---|
| 1 carat E/VVS lab-grown solitaire stone | ₹50,000 |
| 14K gold framework setting (4g) | ₹20,000 |
| Artisanal making charges + Standard 3% GST | ₹5,000 |
| Total Paid Invoice Baseline | ₹75,000 |
2. Projected Payout Allocation After 5 Years
| Component Type | Calculation Method | Realized Amount |
|---|---|---|
| Diamond value index (May 2031) | Same spec stone @ live market rate value | ₹35,000 |
| Handling fee deduction | 15% of diamond value baseline | −₹5,250 |
| Diamond subtotal payout | Market value minus handling fee | ₹29,750 |
| Gold recovery value (4g) | Current gold rate × weight (e.g., ₹8,000/g) | +₹32,000 |
| Shipping transaction fee | Flat fee for insured courier pickup | −₹1,000 |
| Authentic certificate tracking | Original IGI document returned present | ₹0 |
| Total Realized Buyback Payout | Diamond Net + Gold Net − Shipping | ₹60,750 |
| Net Percentage Recovered | ₹60,750 payout ÷ ₹75,000 original paid | 81% Total Recovery |
Calculation assumes lab-grown diamond prices decline ~30% over 5 years (in line with global supply scaling trends) and gold prices appreciate from ₹5,000/g to ₹8,000/g (in line with historical Indian gold trend lines). Actual recovery will fluctuate according to published market variables.
Why this beats industry standard: Most Indian jewellers offering "lab-grown buyback" pay a flat 20–40% of your original price, completely capturing your metal value asset gains. Chaitra evaluates payout directly against the live market matrix — meaning when gold appreciates, your asset portfolio gains that full market yield.
The Deductions, Made Plain
Three clean deductions apply to the buyback framework. All parameters are fully transparent from day one.
1. Diamond Handling Fee — 15%
15% is deducted from the diamond's current market value to cover re-certification processing, microscopic re-polishing tracks, and inventory management. This handling fee is never applied to the bullion gold component.
2. Shipping Logistics Fee — ₹1,000
Flat fee covering high-value insured courier pickup, secure transit packaging tracks, and dedicated inbound intake tracking.
3. Missing Certificate Fee — ₹5,000
Applied only if the original independent IGI laboratory certificate is lost, requiring physical transport and lab grading re-issuance before processing can finish.
What's Eligible
Every standard collection piece purchased directly from chaitra.co maps cleanly to lifetime buyback support protections.
✓ Fully Eligible Framework Items
- All standard catalog solitaire rings and bands
- All stud earrings, drop earrings, and halo earrings
- All signature pendants and chains
- All tennis bracelets within our active catalogue
✗ Excluded Policy Exemptions
- Fully custom design layouts built outside catalog components
- Personalised pieces bearing laser name engravings
- Orders fulfilled through secondary platform distribution tracks
How to Initiate Your Buyback
The buyback pipeline is completely streamlined across 5 straightforward transaction phases:
| Phase Step | Action Context Required | Turnaround Timeline |
|---|---|---|
| 1. Open Request | Signal tracking through secure WhatsApp channel or order email dispatch | Processed Same Day |
| 2. Valuation Review | Chaitra generates a full validation sheet showing all direct math components | Within 48 Hours |
| 3. Logistics Pickup | Upon approval, an insured asset courier routes directly to your address | 2-3 Business Days |
| 4. Lab Authentication | Inbound quality verification checks confirm baseline material properties mapping | 3-5 Business Days |
| 5. Liquidity Payout | Direct bank cash conversion issues via NEFT or UPI instantly | Within 48 Hours |
Frequently Asked Questions
Can I exchange my piece for a new one instead of taking cash?
What if my diamond has chipped or been structurally damaged?
What if my gold setting is damaged or scratched?
Does the baseline buyback policy rate ever change?
What happens if Chaitra is acquired or closes down?
How is the "current market value" determined?
Do I get my original purchase price if live diamond index rates rise?
Secure Your Purchase Terms
Chaitra's Lifetime Buyback layout guarantees you are entering a verified transaction where every parameter is mapped clearly in writing from day one. Buy for clarity, hold for wear, and track with total liquidity protection details.
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Disclaimer: Calculations and scenarios on this page are illustrative examples for reference only and do not constitute a binding legal guarantee. All buybacks and exchanges are processed case-by-case at the company's sole discretion, subject to diamond verification and prevailing market rates. We reserve the right to alter or discontinue this voluntary program at any time without notice. Program parameters are governed exclusively by our standard Returns & Refund Policy and Terms of Service.