Lucky Plan / Advance EMI
Batch, Lucky ID, monthly EMI, winner publication, future EMI waiver, and cancellation boundaries.
Read SFEMI rulesPublic policy and rules hub
Business policies and customer rules
Read SFEMI Advance EMI, rent, lease, direct sale, delivery, warranty, payment, refund, KYC, and support rules before enquiry, payment, or contract signing.
Important: Public rules explain customer expectations. Final transaction truth remains in approved contracts, invoices, receipts, delivery records, inspection evidence, and audited ledgers.
Rules navigator
Find the right policy before you proceed
Use this hub to choose the correct rule path. Public navigation helps customers understand workflows; it does not approve applications, reserve stock, create payments, or generate documents.
Rent and lease
Usage access, deposit, monthly dues, renewal, return inspection, and refund posture.
Read rent rulesCustomer rule summary
Core workflow rules
These summaries reuse existing public policy content so customers can compare plan paths before contacting the branch.
SFEMI Advance EMI Rules & Invariants
SFEMI is an advance installment purchase program backed by tangible furniture products, disciplined monthly advance schedules, and documented promotional benefits.
Contract Valuation & Deterministic EMI
- Product showroom base price constitutes the total contract value without inflated financing markups.
- Monthly advance EMI is deterministically computed by dividing total contract value by the batch tenure (10 to 15 months).
- Contract reference codes, product snapshots, and EMI schedules are permanently locked upon activation.
Batch Structure & SFEMI ID (00–99)
- Subscriptions are organized into controlled batches of up to 100 slots (numbered 00 to 99).
- A customer may hold multiple independent subscriptions and SFEMI IDs across same or different batches.
- SFEMI ID allocation records enrollment eligibility but creates no guarantee of a promotional benefit.
Published legal pages
Comprehensive policy library
These policies govern all commercial, sales, purchasing, installment, rental, lease, delivery, warranty, and accounting operations across Subidha Furniture.
GENERALv2.4
Terms and Conditions
Authoritative terms governing all transactions, orders, contracts, payments, deliveries, hire-purchase rights, and service arrangements at Subidha Furniture.
Effective: 2026-08-20
DIRECT SALEv2.1
Direct Sale Policy
Operational and legal guidelines governing retail furniture sales, billing invoices, partial payment terms, pre/post-invoice cancellation, returns, and exchanges.
Effective: 2026-08-20
PURCHASESv2.0
Vendor Purchase and Procurement Policy
Procurement standards, purchase order controls, goods receipt verification, stock ledger posting, vendor returns, and warranty pass-through rules.
Effective: 2026-08-20
REFUNDv2.3
Refund and Cancellation Policy
Comprehensive rules governing transaction cancellations, physical return eligibility, deposit deductions, credit note creation, and approved refund payout workflows.
Effective: 2026-08-20
DELIVERYv2.3
Delivery and Fulfillment Policy
Delivery eligibility gates, stock-on-hand requirements, advance delivery prepayment provisions, proof of delivery (POD) standards, and exception protocols.
Effective: 2026-08-20
LUCKY PLANv2.4
SFEMI Advance EMI Policy
Operational framework, batch structure, SFEMI ID rules, promotional benefit mechanisms, advance delivery terms, and future EMI treatment invariants.
Effective: 2026-08-20
RENT LEASEv2.3
Rental and Lease Policy
Comprehensive terms for furniture rental and leasing, mandatory KYC gating, security deposit accounting, 45-day arrears cutoff, and return inspection rules.
Effective: 2026-08-20
PAYMENTv2.2
Payment, Receipt, and Billing Policy
Accepted payment modes, mandatory receipt rules, collection controls, customer advance liabilities, reversal mechanics, and cashier day-close standards.
Effective: 2026-08-20
RECONCILIATIONv2.1
Financial Reconciliation and Settlement Policy
Daily three-way reconciliation between physical collections, finance accounts, and contractual schedules; anomaly reporting and audit preservation.
Effective: 2026-08-20
ACCOUNTINGv2.1
Accounting and Financial Ledger Policy
Double-entry bookkeeping rules, revenue recognition standards, separation of finance and chart accounts, and prohibition of destructive database mutations.
Effective: 2026-08-20
WARRANTYv2.2
Warranty Policy
Manufacturer and showroom warranty coverage, eligible components, claims submission, inspection protocols, and explicit coverage exclusions.
Effective: 2026-08-20
SERVICEv2.1
Service and Repair Policy
Service ticket lifecycle, technical triage, warranty vs chargeable repairs, spare parts sourcing, and post-service customer sign-off.
Effective: 2026-08-20
COMMISSIONv2.2
Partner Referral and Commission Policy
Partner onboarding, referral boundaries, internal commission calculation, prohibition of self-approval, clawback mechanics, and payout controls.
Effective: 2026-08-20
CONTRACTSv2.0
Contract Amendment and Modification Policy
Strict controls governing contract alterations, whitelisted non-financial adjustments, same-price product corrections, and audit preservation.
Effective: 2026-08-20
LUCKY PLANv2.1
EMI Subscription Arrears and Default Policy
Arrears tracking, reminder schedules, draw eligibility holds, hire-purchase repossession rules, and Lucky ID release governance.
Effective: 2026-08-20
LUCKY PLANv2.3
Fair Draw Integrity and Commitment Policy
Mathematical and cryptographic verification procedures for monthly fair draws, commitment hashes, public audits, and winner benefit execution.
Effective: 2026-08-20
DELIVERYv2.1
Possession, Handover, and Asset Custody Policy
Asset custody transfer rules across Direct Sales, Rent, Lease, and Advance Delivery; joint inspection checklists and digital POD standards.
Effective: 2026-08-20
RENT LEASEv2.1
Return Damage Assessment and Deduction Policy
Technical inspection standards for returned rental, lease, and direct sale items; condition grading, damage evaluation, and itemized deduction schedules.
Effective: 2026-08-20
RENT LEASEv2.2
Security Deposit Protection and Refund Policy
Segregated liability accounting for rental/lease deposits, permissible deductions, 45-day arrears cutoff, and electronic refund timelines.
Effective: 2026-08-20
GRIEVANCEv2.1
Customer Grievance Redressal Policy
Designated Grievance Officer details, three-tier escalation framework, statutory turnaround times, and consumer protection governance.
Effective: 2026-08-20
PRIVACYv2.3
Privacy and Data Protection Policy
Compliance with Digital Personal Data Protection Act 2023, masked identity documents, secure media vaults, data retention limits, and customer rights.
Effective: 2026-08-20
COMPLIANCEv2.1
Business Compliance and Legal Governance Policy
Enterprise ownership details, MSME classification, non-GST stage 1 operating parameters, showroom registration, and trade license disclosures.
Effective: 2026-08-20
COMPLIANCEv2.0
MSME and Udyam Registration Disclosure Policy
Statutory MSME / Udyam registration disclosure, classification standards, and false-claim prevention rules.
Effective: 2026-08-20
COMPLIANCEv2.0
Document and E-Sign Consent Policy
Legal validity of electronic records, digital signatures, PDF engine generation, and customer consent under the Information Technology Act 2000.
Effective: 2026-08-20
Public legal notice
- This website is published by Subidha Furniture for informational, product catalog, and operational guidance purposes.
- Final legal rights and obligations are governed strictly by system-generated approved contracts, tax invoices, official receipts, delivery notes, and return inspection reports.
- SFEMI Advance EMI participation does not guarantee a promotional benefit. The plan is a product purchase installment arrangement subject to applicable law and the signed terms.
- An approved SFEMI promotional benefit applies to remaining future EMI installments only. Settled installments and advance down payments are strictly non-refundable in cash or bank transfer.
- Under Hire-Purchase terms, legal title to goods delivered under advance prepayment remains with Subidha Furniture until 100% of the contract value is settled.
- Rent and Lease security deposits are refundable liabilities subject to technical condition inspection, 45-day arrears limits, and verified deductions.
- Warranty and after-sales service are subject to manufacturer terms, craftsmanship guidelines, and explicit exclusions including water, pest, and misuse damage.
- Subidha Furniture operates under valid municipal trade licensing and statutory MSME/Udyam registration in Asansol, West Bengal.
Need clarification before payment or contract signing?
Contact Subidha Furniture for transaction-specific confirmation. Public policy pages do not create contracts, invoices, receipts, delivery records, or accounting entries.