Payment can be made through cash at the time of delivery of all non-customized products. MyRatna supports cash on delivery within INDIA only. Please note that cash on delivery is available in selected cities only. For a list of cities, where Cash on Delivery is available, please click here.



What is cash on delivery?

Cash on delivery means that payment will be made by you to the courier person delivering the order to you, and not while at the time of placing the order.

Is cash on Delivery available for all locations?

Cash on Delivery is only available in certain locations in India, as courier companies do not offer this service everywhere. Therefore, if Cash on Delivery is not available for your pin code, our customer service team will help you after placing your order.

Usually, all metros and large cities are eligible for cash payment facility. Certain states like West Bengal are completely unavailable for cash on delivery.

Is cash on Delvery available for all products?

Cash on delivery is available for all loose gems and non-custom orders. If you have placed a custom product order (a product created specifically for you), you will have to pay for the customization amount in advance (not the total quantity). Our team will get in touch with you regarding the same after your order is placed.

For example, precious stone in a ring, pendant or bracelet is a personalized order. Similarly, orders that include custom certificates (such as GRS, GIA, GII, IGI, HRD) are also a custom order. In that case, you will have to pay the amount for the ring, pendant, bracelet or certificate in advance, and you can arrange cash on delivery for the remaining amount.

Is cash available for any amount?

We offer cash delivery service using reputed third party courier companies like FedEx, Aramex, DTDC, etc. They all have different COD policies on the maximum amount of COD based on the area being delivered. For quantities greater than INR 20,000 certain areas or cities may not have the facility of COD. As the courier delivery location and their policy changes often, we ask that you contact at our customer support team to get updated information for delivery in your area.

What is the process of Cash on Delivery?

When you place a cash payment order, our customer service agent verifies your name, address, phone details on your order, and the availability of cash on delivery at your location. Based on your input data, you will be informed of approval by email, or denial over the phone.

Once approved, your order is processed and sent through the courier company to process the delivery.

The courier company agent, upon delivery, will deliver the parcel to your provided address once it arrives in your city. The amount of the required receipt must be paid to him to receive the package.

How many days does it take ?

Cash on delivery takes the same number of days to deliver as the typical normal courier.

For metros, courier companies usually take 2 to 3 days to deliver the product from the date of shipment. For non-metros, courier companies usually take 5 to 7 days to deliver the product from the date it is shipped.

Can I pay the courier company in any other way than the cash?

No, our COD partner will only accept cash payment at the time of delivery.

Will the courier delivery person, on delivery, will call before he comes?

Usually, the cash courier person to the delivery does not call or SMS on the first try. If delivery is not made on the first attempt, you will receive a call regarding your availability for package delivery.

Can I open the package before I pay the money?

No. Courier delivery persons are not allowed to have open packages with them. Therefore, you must pay cash to them to deliver the package. This is, unfortunately, a courier business policy and is not negotiable.

Please be assured that the contents of the package will be according to your order. In the unlikely circumstance that you receive a defective product, or dis-satisfied with the product,  MyRatna has a 10-day return policy with no questions asked. Read more about the Return Policy on our Shipping and Returns page.


Can I track my cash delivery to online delivery?

Yes, we only ship your products through courier companies where your shipment can be tracked online. Once your order is shipped, you will be sent an email with details on how to track your shipment online.