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Terms and Conditions

Use of Website:

By using this website, you give your consent to the website owner that you are legally entitled to do so and the information you provide on the website is 100% true. You are also deemed to give your consent to make use of the information made available by you via the website for contact and promotional purposes.

Trademarks & Watermarks:
Please note that all the trademarks, logos, images, videos, banners or service marks are shown on this website (collectively termed as Trademarks") are registered or unregistered trademarks of the website owner. Nothing contained on this website should be constructed/re-constructed or should be granted as a license to use any trademark without prior written permission from the website owner.

Third Party Advertisements & Links:
At times during your stay at, you may find third-party ads, banners or links by clicking which, you may be re-directed to another website. Please note that they are beyond the website owner's control and we do not make any kind of representation as to their content. Relying on any such links, promotions or advertisements thereon is solely at your own risk.

Our pricing is based on the current domestic market values of the products and services offered through our website in the Indian market in order to give you the best value for your money. The prices may change from time to time, depending upon the fluctuations in these values, so our prices change as well.
Prices on are subject to change without prior notice. Please expect to be charged the price for the GemsRatna items you buy as it is listed on the day of purchase.

Policies regarding the product and shopping:
The products & categories available at are either our own exclusive inventory or from one of our import vendors. They cannot be claimed to be possession of any site visitor just by the given looks or dimensions. Being natural products, there can/cannot be two or more than two identical products.

Do note that the categories or products shown or displayed as 'Sample' on the site are only to provide the product aspect understanding. The end product would be of similar aspects, however, might never be same as shown in Samples.

Quality of a product listed on the website is determined by our in-house Gemstone Experts. Quality parameters may vary from seller to seller based on the experts' knowledge and observations. There is no uniform standard quality measure for coloured gemstones till date.

Origin of Gemstones: Please also be informed that the origin of gemstones mentioned on our website is based on the personal observations of our in-house gemstone experts. They may or may not vary when checked from another testing laboratory. We mention the origin of a stone only if our gemstone experts are sure about it. Hence, if you buy a gemstone where the origin is mentioned in the product description or specifications section, then we take its complete responsibility and in case, another lab finds the gemstone NOT from the origin specified by, we will take the product back and will refund your entire money including the shipping fee (to and fro). 

As a matter of fact, please note that Not all gemstones testing labs would mention the origin on the certificate or the card they provide. Even the best of labs across the globe like - GIA, IGI, GRS, etc might also mention the Origin in 5 out of every 10 certificates, however, the charges for testing would remain same (irrespective of whether they mention the origin on the certificate or not). Hence, getting your gemstone's origin tested from any lab is solely at your risk. 

Shipping Policy:

We deliver our products worldwide through the most reliable, trustworthy and insured courier and post services. Our team of International Business Operations experts provides our organization the strength and excellence in fulfillment of all your orders in a responsible and timely manner no matter from where on this earth, you wish to get your products delivered. Our team loves to go every extra mile to serve you and fulfill your needs.

Domestic Shipments (within India): We provide FREE SHIPPING within India for orders with the product value of more than INR 800* and we charge a very nominal shipping fee (INR 100) for orders with the product value of less than INR 800. Moreover, if your product value in the order is more than INR 10,000, we get your shipments insured with the full amount of your order so that in case of a theft or loss or damage during transportation, both of our hard earned money (your and the organization's) can be safe. 

*Note: In order to get Free shipping, please use the coupon code "FREESHIPIND" while checkout. The coupon will be valid for shipments only in India and for the orders having product total above INR 800.

International Shipments (outside India): We deliver all International shipments through the most reputed carriage service providers such as EMS (which works with the Government Postal departments of almost every nation), FedEx, UPS, and DHL. All International Shipments are insured.

For orders with product value less than INR 20,000 (USD 310.00), customers have to pay INR 3,000 (Approx. USD 48.00) for Shipping and Handling while placing the order. For orders with product value between INR 20,000 to INR 40,000 (USD 620), we will bear 50% of the shipping charges and customers will have to pay INR 1,500 (Approx. USD 25.00) as Shipping and Handling Fee with their orders. All orders having product value more than INR 40,000 (USD 620), are eligible for FREE International Express Shipping 

*Note: All the currency conversion rates mentioned above are an approximate figure based on the International currency exchange rate as on 25th October 2017. Since the currency rates keep on changing, you are advised to check today's currency rate online before placing your order.

Customs Duty Charges: You may note that all International shipments (i.e. deliveries outside India) may include additional taxes or duty fee which are charged when the shipment reaches the destination country. These charges are beyond our control and are mandatory to pay as per the laws in your country.

These may be Customs or Import Duty fee, GST / CST and/or VAT + any additional taxes prevailing in your country (such as - luxury tax, vehicle cess, etc). In our experience, these fee varies from 1% to 30% of the total order value. All such charges shall be borne by the customer. You may, however, note that these taxes (except the import duty) would anyways to be paid by you even when you buy these articles from within your country. This is the reason why GemsRatna would not charge any Tax or VAT or GST when you place your order online. Because we are a company registered in India and you have to pay taxes to the Government of the nation where you live in.

We suggest that you contact your local customs body or department in your city, state or country to check the applicable customs fee before ordering the items.

Packaging & Insurance:
All our shipments are packed in very high standard airtight packages with proper care and precautions depending on the nature & delicacy of product purchased. In addition, our shipments are insured and we take full responsibility in the case, any shipment is declared as Lost or Misplaced in transit by the courier company in writing.

Dispatch & Delivery TAT:
GemsRatna products are usually dispatched within 1 to 3 business days (unless specified otherwise) from the order date. Deliveries are done within 3-5 business days in India and within 5-15 business days outside India. [In case of International Express shipments, the delivery can be done within 5 business days]. The delivery time in case of COD (Cash-on-delivery) service is slightly longer as compared to pre-paid order deliveries. COD orders are delivered generally within 3-5 working days in Metro cities and in 7-10 working days in Non-metro cities within India.
*Jewellery Items: Note that above mentioned times are only applicable if you order just the gemstones or rudraksha or any ready-made articles listed on our website. This TAT is not applicable to orders containing customized Jewellery items like - rings, pendants or bracelets. This TAT is also not applicable to orders where customers select PAID CERTIFICATION from labs like IGI, GIA or IGI-GTL. For the preparation of jewelry items, we need additional 2 to 5 business days depending on the metal & design.

Shipping reimbursement:
The shipping or handling charges whether paid by the customer or by the Company, while placing the order online, shall not be refundable in case of return of the order. Only the product fee will be refunded to the customer after deducting the applicable shipping and handling fee."

Return & Replacement Policy:

GemsRatna provides an easy and customer friendly 15-days Refund / Replacement policy for all loose gemstones & jewelry items.

Refund: Refund or Money Back is applicable only on loose gemstones of value less than INR 50,000 which were purchased from if returned within 15 days from the date of delivery to the customer as per the courier delivery proof. 

For returned goods of value more than INR 50,000, we provide a Store Credit Coupon of 100% value of your returned product. This Store Credit Coupon can be used to purchase any other item(s) from our website. The Store Credit Coupon will be valid for 2 years from the date of issue. Store Credit Coupons can be used alongwith other promo codes.

Once the returned goods are received at our warehouse, the quality checking team will inspect the items and all the supporting documents. Please ensure that the returned product(s) are not damaged or distorted and also that you include all the documents including the Lab certificates, Discount coupons, along with the original packaging while returning the products. In absence of any of these, the company may deduct the applicable charges for the missing item.

The refund shall be processed through the same mode of payment which was used by the customer while placing the order online. The refund shall be processed within 7 - 10 working days from the date of receipt of the returned goods at our warehouse. In case of Cash payment (COD or Manual delivery), the refund shall be provided only to the registered customer's bank account.

Following gemstones are not eligible for Refund due to their delicate and soft nature: Corals (Red or White), Pearls, Opals, Moonstones, Emeralds, Turquoise, Amber, and Beryls. However, they can be replaced with another gemstone after 15% deduction in the returned product value.

All other gemstones are eligible for 100% refund of the product value provided all the above-mentioned criteria are matched.

All the products sold at are eligible for a replacement if returned within 15 days from the date of delivery of the product as per the courier delivery proof.

Following is the slab of value eligible for replacement:
Loose gemstones (except - Corals (Red or White), Pearls, Opals, Moonstones, Emeralds, Turquoise, Amber, and Beryls): 100% of the product value.

Loose Corals (Red or White), Pearls, Opals, Moonstones, Emeralds, Turquoise, Amber, and Beryls: 85% of the product value.

Gemstones studded in a jewellery item (like - ring, pendant, earring or a bracelet) made by 75% of the product value.

Gemstones studded with an outsider jewelry item (like - ring, pendant, earring or a bracelet): 50% of the product value.

Return Address:


C-3551, Ground Floor
Greenfields, Faridabad (Near NHPC)

Haryana, India

Pin Code - 121003

Return Shipping Fee:
All the charges related to the return shipment including but not limited to shipping fee shall be borne completely by the customer. In addition to the shipping fee, the customs/import duty charges, GST or VAT, certification and any special additional services charges shall also be borne by the customer, if applicable.

Statutory Warning:
We suggest NOT to write or mention 'GemsRatna' or any word(s) related to gemstones on the outer package while returning the items to us because this might attract the unwanted attention of thieves or mischiefs. You may simply write 'Astrological Product' on the outer package and instead of using the brand name 'GemsRatna', you may write our company name i.e. 'Agama SAR Retail Private Limited' in the address. "


Unlike any other online seller, provides a unique concept of Lifetime 100% money back in following two scenarios:

1. If the product delivered by GemsRatna to you is a duplicate or synthetic product as opposed to the natural one which you ordered, and

2. If the product delivered by GemsRatna to you as 'Untreated and Unheated' is found as 'treated or heated' by a recognized and reputed Government run Gemstones testing lab in any part of the world. [Note: We may not consider the findings or results of a private gemstone testing lab for this claim].

Disclaimer of liability:
The website owner shall not be responsible for any loss, liability, damage (whether direct, indirect or consequential), personal injury or expense of any nature whatsoever which may be suffered by you or any third party (including your company), as a result of or which may be attributable, directly or indirectly, to your access and use of the website, any products sold by the website owner, any information contained on the website, your or your company's personal information or material and information transmitted over our system. In particular, neither the website owner nor any third party or data or content provider shall be liable in any way to you or to any other person, firm or corporation whatsoever for any loss, liability, damage (whether direct or consequential), personal injury or expense of any nature whatsoever arising from any delays, inaccuracies, errors in, or omission of any share price information or the transmission thereof, or for any actions taken in reliance thereon or occasioned thereby or by reason of non-performance or interruption, or termination thereof.

Disclaimer for Recommendations/Consultations:

We are the seller of natural gemstones which may or may not suit every individual. We have astrologers associated with our firm who can suggest or guide our customers about suitable gemstones based on the astrological observations and studies. You may please note that the astrological recommendations, suggestions or consultations are purely based on the past experiences and observations of scholars in the field of astrology, however, 'Astrology' is not a definite science and cannot predict 100% accurate results or solutions. Therefore, the company or the associated astrologers shall not be liable in any case, for any loss, liability, damage (whether direct, indirect or consequential), personal injury or expense of any nature whatsoever which may be suffered by you or any third party (including your company). Following our suggestions shall be solely at your own risk and faith. 

We, as a seller, shall be under no liability whatsoever in respect of any loss or damage arising directly or indirectly out of the decline of authorization for any Transaction, on Account of the Cardholder having exceeded the preset limit mutually agreed by us with our acquiring bank from time to time.

Note: As per the current guidelines mandated by the Government of India, a customer has to provide the Permanent Account Number (PAN) for all purchases above INR 2 lakh. [These rules keeps on changing and updating. ]

Fraudulent cases:
Any incidence of using the online store by any user for the sake of deliberately causing any damage/loss/malicious intention for the company will be consider as fraudulence and corresponding user will be blocked to make any further purchase. Any fraudulence case of unnecessary return of the products with malicious intentions or deliberately causing the damage to product or deliberately sharing the wrong information about the product or deliberately order the product with intension of return the product or any similar case will be considered as fraudulence cases and in such case all service charges will be deducted from the returns, against the cost applied to process the order/service. These charges are completely dependent on the type of product/services asked by user to process the order and correspondingly processing fee is deducted which can be partial or in full deduction of order amount.

Conflict in Terms:
"If there is a conflict or contradiction between the provisions of these website terms and conditions and any other relevant terms and conditions, policies or notices, the other relevant terms and conditions, policies or notices which relate specifically to a particular section or module of the website shall prevail in respect of your use of the relevant section or module of the website.
Any provision of any relevant terms and conditions, policies and notices, which is or becomes unenforceable in any jurisdiction, whether due to being void, invalidity, illegality, unlawfulness or for any reason whatever, shall, in such jurisdiction only and only to the extent that it is so unenforceable, be treated as void and the remaining provisions of any relevant terms and conditions, policies and notices shall remain in full force and effect.

Governing Laws:
Use of this website shall in all respects be governed by the Court of Laws of the National Capital Territory of Delhi, regardless of the laws that might be applicable under principles of conflicts of law. The parties agree that the courts located in India country, NCT of Delhi, shall have exclusive jurisdiction over all controversies arising under this agreement and agree that venue is proper in those courts.

Other Conditions:
Any other terms & conditions apart from the above mentioned ones shall be referred to the website owner directly via the customer service team. The decision of website Owner would be final in any case. You may direct your questions to


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