Installment Policy

1. Advance Payment: Customers can pay an advance of 25% to 50%.of the total order amount.
2. Bank Account: Having a bank account is preferable but not mandatory.
3. Monthly Profit: A 4% monthly profit will be charged on the cost amount.
4. Product Choice: Customers can choose any product available on easy monthly installments from any shop, vendor, or company. Alternatively, our team can procure the product from our vendors based on quality, price, and authenticity.
5. Guarantors: Two guarantors are required, preferably from the neighborhood (no blood. Family relations accepted).
6. Documentation Charges: A documentation fee of Rs. 4,000 applies to any order.
7. Delivery Service: We offer door-to-door documentation and delivery services.
8. Free Delivery: Free delivery is provided for all products except mobile phones and bikes.
9. For quick assistance related to installments, especially for mobile phones, bikes, and electrical appliances, feel free to reach out on the given dedicated Numbers below.
   
   Call & WhatsApp 0321 8757405
   Call & WhatsApp 0331 2833169

 If you’re interested in furniture policies, you can find them here. https://surmawala-website.myshopify.com/pages/furniture-policies

NOTE:
We do not offer installments on property and real estate, cars, gold, or jewelry.

We have the right to decide to whom we can agree to provide products on installments and to whom we cannot. Before delivering the product, the customer will sign a form that includes all the details and terms and conditions. The customer must strictly abide by these rules; otherwise, actions will be taken to prevent any losses to the company.

The customer should read and understand the terms and conditions when purchasing a product on installments and then sign the form during their purchase.