Commitment hash
Published before each draw so the result cannot be retroactively changed.
This is an explanatory public rulebook. It is written in plain language for customer understanding. Final rights and obligations are governed by your approved contract, invoice, receipt, and official business policy documents. No winning is guaranteed. Lucky Plan is not gambling.
Lucky Plan — structure and eligibility
Lucky Plan (Advance EMI) is a monthly instalment plan where the customer pays EMI for a product over an approved tenure.
Product base price is treated as the total contract value unless approved amendments state otherwise.
Default EMI is derived by dividing the total contract value by the tenure in months.
A customer must be enrolled in an approved batch to receive a Lucky ID.
Lucky IDs are numbered 00–99 within each batch. One batch slot holds one Lucky ID.
A customer may hold multiple Lucky IDs if the business approves multiple subscriptions.
Lucky ID assignment is controlled by the branch system and does not occur through the public website.
Eligibility to participate in the draw depends on subscription status, payment discipline, and KYC readiness.
Monthly draw — process and rules
A monthly draw is conducted by the branch under published rules.
The draw uses a commit-then-reveal mechanism: a commitment hash is published before the draw, and the reveal is published afterward.
Published winner records include batch reference, draw month, Lucky ID, and commitment/reveal proof where available.
Winner names are masked on public pages to protect privacy.
No public page or customer action can alter a revealed draw result.
Participation in the draw does not guarantee winning.
Winning Lucky Plan is not a form of gambling — it is a structured EMI waiver benefit attached to a real product contract.
Winner benefit — future EMI waiver only
If a customer's Lucky ID wins the monthly draw, remaining future EMI obligations (from the approved winning month onward) may be waived per plan rules.
Waiver applies only to future EMI — EMI that has already been paid and receipted is not refunded automatically.
Waiver does not remove KYC, delivery, documentation, or handover requirements.
Lucky ID or contract rights cannot be transferred without admin approval.
A winner must still complete all applicable contract steps (KYC, delivery, handover) unless separately waived by business policy.
Payment and receipt rules
Customers must pay scheduled EMI using approved methods (cash, UPI, bank transfer, or configured channels).
Each valid payment must generate an official receipt. A payment without a receipt should not be treated as final.
Receipts are traceable and can be viewed in the customer portal after login.
Missed or late payments may affect draw eligibility, service, delivery, or contract status as per policy.
Corrections, reversals, or refunds must follow approved audit workflow — customers cannot self-post these entries.
Rent and lease — key rules
Rent and lease do not use Lucky IDs and do not participate in the monthly draw.
No EMI waiver benefits apply to rent or lease contracts.
Security deposit for rent or lease is a refundable liability — it is separate from monthly demand.
Monthly demand (rent/lease charge) must be paid as per the approved billing cycle.
Deposit refund is subject to return inspection, dues clearance, and business approval.
Renewal, extension, or upgrade of a lease is not automatic and requires admin approval.
The product remains business property throughout rent or lease unless separately sold via direct sale invoice.
Delivery and handover
Delivery is scheduled after contract readiness, payment verification, stock availability, and KYC checks.
A delivery/handover document is generated at completion — this is the official delivery record.
Customers should inspect product condition during handover and note any concerns before signing.
Visible damage or mismatch at delivery should be reported immediately at the time of handover.
Stock and inventory movement is an internal business workflow — public pages do not control delivery.
Cancellation, transfer, and default
Cancellation, transfer, and default are governed by the approved contract terms.
Lucky ID or contract rights cannot be transferred to another person without admin approval.
Default (sustained missed payment) may lead to suspension, cancellation, or recovery actions per policy.
Customers who need to cancel or modify a contract should contact the branch immediately.
Customer responsibilities and document safety
Customers should keep their approved contract, all payment receipts, delivery/handover documents, and winner communications.
Digital copies in the customer portal are available but do not replace physically signed documents.
Customers must keep contact information (phone, address) updated so the branch can reach them.
Customers must not share their login credentials or allow others to access their account.
Draw transparency
How the monthly draw is kept fair
The commit-then-reveal process means no one can change the draw outcome after commitment. A hash is published first; the reveal comes later and is verifiable against the hash.
Reveal publication
The actual draw result is published and can be verified against the earlier commitment.
Masked winner identity
Winner names are masked on public pages to protect privacy while keeping the process auditable.
Important public disclaimer
- Website content is for customer information and service explanation only.
- Final rights and obligations are governed by approved contract, invoice, receipt, delivery note, return inspection record, and business policy.
- Advance EMI/Lucky Plan participation does not guarantee winning.
- Rent/Lease deposit refund is subject to return condition, dues clearance, and approved inspection.
- Warranty/service depends on product, vendor, and category terms.
- Business may verify KYC, reject incomplete requests, correct clerical errors, and update policies where legally permitted.
- For exact terms, customers should contact Subidha Furniture before payment or contract signing.
Questions about the rules?
Our branch team can explain any rule in plain language before you enroll.