i have an idea bro .. there is a jeweler in chennai Varsa jewelers . they have one time deposit option for 9 months . 0% VA no gst for gst bill. and goto lalitha jewellers multiple options for 6 months 50% from VA off. 3. Bhima jewels they also for 6 monthe 6 % VA off . i have another beautiful idea . tomorow offer day in bhimagold.com for all the jewels 0% VA. check out