Putra Putri Vivah Yojna

1. Scheme Introduction & Purpose

Putra Putri Vivah Yojna is a community-based welfare and financial assistance scheme established with the objective of providing financial support to eligible Policy Holders towards the marriage of their eligible son or daughter.

The scheme is based on the principle of mutual community assistance, under which participating members contribute towards eligible marriages in accordance with the applicable rules and contribution requirements of the scheme. The assistance payable under the scheme shall be determined in accordance with the applicable terms and conditions, eligibility requirements, contributions received, and other provisions specified herein.

The scheme is intended to provide financial assistance to eligible families at the time of marriage of the Insured Person (son or daughter) and to facilitate collective support among participating members of the community.

In addition to the marriage assistance provided under the scheme, the Policy Holder may be provided with life or accident insurance coverage through the applicable third-party insurance provider under the selected insurance option. Such insurance coverage shall be governed by the terms, conditions, exclusions, eligibility requirements, documentation requirements, and claim approval process of the respective insurance policy.

The Putra Putri Vivah Yojna shall be administered in accordance with these Terms and Conditions, and participation in the scheme shall be subject to fulfillment of the applicable eligibility, enrollment, contribution, and other requirements specified herein.

2. Objective of the Scheme

The objective of the Putra Putri Vivah Yojna is to provide financial assistance to eligible Policy Holders towards the marriage of their eligible son or daughter through a community-based mutual assistance mechanism.

The scheme aims to facilitate collective financial support among participating members so that eligible families may receive assistance at the time of marriage of the Insured Person, subject to the applicable eligibility criteria, membership requirements, prescribed contributions, waiting period, and other terms and conditions of the scheme.

The assistance amount shall be determined and payable in accordance with the applicable provisions of the scheme and shall not be construed as a guaranteed amount except where expressly specified under these Terms and Conditions.

3. Definitions of Participants

3.1 Policy Holder

The Policy Holder means the person who enrolls in the Putra Putri Vivah Yojna, pays the applicable enrollment fee and prescribed contributions, and whose membership is registered and approved under the scheme. The Policy Holder is the person for whom the applicable life or accident insurance coverage is arranged under the selected insurance option.

3.2 Insured Person

The Insured Person means the eligible son or daughter of the Policy Holder for whose marriage the Policy Holder has enrolled under the Putra Putri Vivah Yojna and in respect of whose eligible marriage the applicable marriage assistance may be provided under the scheme.

3.3 Nominee

The Nominee means the eligible immediate family member nominated by the Policy Holder under the scheme. In the event of the death of the Policy Holder, the Nominee may become eligible to receive the applicable marriage assistance in respect of the eligible marriage of the Insured Person, subject to the terms and conditions of the scheme. The Nominee may also be entitled to receive applicable life or accident insurance benefits arising from the death or other covered event of the Policy Holder, subject to the terms, conditions, exclusions, documentation requirements, and claim approval process of the respective insurance policy.

4. Eligibility & Membership Conditions

1. The Putra Putri Vivah Yojna shall be open to eligible persons belonging to all social categories, including General, OBC, SC/ST, and Minority categories. Separate groups may be maintained for each category in accordance with the applicable rules of the scheme.

2. Any person seeking membership shall be required to complete the prescribed enrollment process, pay the applicable enrollment fee of ₹12,500/- per Policy, and provide the required information and documents as prescribed by the institution.

3. Membership shall become effective only upon successful registration and approval by the institution. The benefits of the scheme shall become applicable only after completion of 18 months from the date of successful registration and approval of membership, subject to fulfillment of all applicable conditions.

4. The Policy Holder shall be required to deposit ₹200/- per month for one year from the date of registration, as prescribed under the scheme.

5. The Policy Holder must provide accurate and complete information and comply with all applicable enrollment, contribution, documentation, and other requirements of the scheme.

6. Eligibility for marriage assistance shall be subject to the Insured Person's marriage taking place after completion of the prescribed 18-month period, along with fulfillment of all other applicable terms and conditions of the scheme.

7. The Policy Holder shall be required to inform the institution of the proposed marriage of the Insured Person at least 30 days before the marriage date and shall comply with the prescribed assistance contribution requirements.

8. The institution reserves the right to verify the information and documents submitted by the Policy Holder and to approve, reject, suspend, or terminate membership where the applicable eligibility or membership conditions are not fulfilled.

5. How the Scheme Works

The Putra Putri Vivah Yojna operates on the principle of mutual financial assistance among participating members of the community. The scheme functions as follows:

1. An eligible person enrolls in the scheme by completing the prescribed registration process, paying the applicable enrollment fee, and obtaining membership approval from the institution.

2. The Policy Holder makes the prescribed monthly contribution of ₹200/- for one year from the date of registration.

3. Once the applicable waiting period of 18 months from successful registration and approval has been completed, the eligible marriage of the Insured Person may qualify for marriage assistance under the scheme.

4. For every eligible marriage under the scheme, participating Policy Holders shall contribute the prescribed ₹300/- assistance contribution within the specified period.

5. The contributions collected from eligible participating members shall form the basis for providing marriage assistance to the eligible Policy Holder for the marriage of the Insured Person, subject to the applicable terms and conditions of the scheme.

6. Where an eligible marriage qualifies for assistance, the applicable assistance amount shall be determined in accordance with the scheme rules and the contributions collected. After deduction of the applicable 20% institutional charges, the remaining eligible assistance amount shall be payable to the Policy Holder or the eligible person, as applicable under these Terms and Conditions.

7. Notwithstanding the number of active members at the relevant time, a minimum marriage assistance amount of ₹1,00,000/- shall be applicable after completion of the 18-month waiting period, subject to fulfillment of the eligibility conditions and other applicable terms of the scheme.

8. The Policy Holder shall notify the institution of the proposed marriage at least 30 days before the marriage date and shall fulfill the prescribed contribution and documentation requirements within the specified time.

6. Enrollment Process

1. A person seeking to participate in the Putra Putri Vivah Yojna shall submit an enrollment application in the prescribed form or through the designated enrollment process of the institution.

2. The applicant shall provide complete and accurate information relating to the Policy Holder, Insured Person, and Nominee, along with all documents and information required by the institution for enrollment and verification.

3. The applicant shall pay the prescribed enrollment fee of ₹12,500/- per Policy and complete any other applicable payment or contribution requirements specified under the scheme.

4. The institution shall verify the information and documents submitted by the applicant and may request additional information or documents wherever necessary.

5. Membership shall be considered valid only after successful completion of the enrollment process and approval of the membership by the institution.

6. Upon approval, the Policy Holder shall be issued a Membership Certificate containing the relevant membership and scheme details. The Policy Holder should receive the Membership Certificate within 15 days of registration.

7. If the Membership Certificate is not received within the prescribed period, the Policy Holder may contact the concerned agent, the institution's designated helpline, or the official website for assistance.

7. Eligibility of Son/Daughter

1. The Insured Person shall be the eligible biological or legally adopted son or daughter of the Policy Holder for whose marriage the Policy Holder has enrolled under the Putra Putri Vivah Yojna.

2. The son or daughter must be declared and registered as the Insured Person at the time of enrollment or in accordance with the procedure prescribed by the institution.

3. Marriage assistance shall be applicable only for the marriage of the Insured Person whose details have been duly registered and verified under the scheme.

4. The marriage of the Insured Person must take place after completion of 18 months from the date of successful registration and approval of the Policy Holder's membership for the marriage to qualify for assistance under the scheme.

5. The Policy Holder shall be required to provide the institution with the required information and supporting documents relating to the Insured Person and the proposed marriage for verification and processing of the assistance request.

6. The institution may verify the identity, relationship, eligibility, and marriage-related documents of the Insured Person before approving the applicable marriage assistance.

8. Conditions for Marriage Assistance

Marriage assistance under the Putra Putri Vivah Yojna shall be provided only when all applicable conditions specified below are fulfilled:

1. The Policy Holder's membership must have been successfully registered and approved, and at least 18 months must have been completed from the date of such registration and approval.

2. The marriage must be of the registered and eligible Insured Person whose details have been duly recorded under the scheme.

3. The Policy Holder must inform the institution of the proposed marriage at least 30 days before the marriage date and submit the required information and supporting documents within the prescribed time.

4. The Policy Holder must deposit the prescribed ₹300/- assistance contribution for the eligible marriage at least 15 days before the marriage date.

5. All applicable membership requirements, contributions, documentation, verification requirements, and other conditions of the scheme must have been duly fulfilled.

6. The institution shall verify the eligibility of the Policy Holder and Insured Person, the proposed marriage, and the documents submitted before processing the assistance.

7. Where the assistance becomes payable, the applicable assistance amount shall be determined in accordance with the scheme rules and the contributions collected. 20% of the total assistance amount collected shall be deducted towards institutional charges, and the remaining eligible amount shall be payable in accordance with these Terms and Conditions.

8. Subject to fulfillment of all applicable conditions, a minimum marriage assistance of ₹1,00,000/- shall be applicable for an eligible marriage after completion of the 18-month waiting period, irrespective of the number of active members at the relevant time.

9. Failure to comply with any mandatory contribution, notice, documentation, or other applicable requirement may result in delay, withholding, or rejection of the assistance, or termination of membership where permitted under these Terms and Conditions.

9. Assistance Amount & Contribution

1. The Policy Holder shall contribute ₹200/- per month for one year from the date of registration, as prescribed under the scheme.

2. For every eligible marriage under the scheme, each participating Policy Holder shall contribute ₹300/- towards marriage assistance. The prescribed contribution shall be payable within the time period specified under these Terms and Conditions.

3. The marriage assistance amount shall be determined based on the applicable scheme rules and the assistance contributions collected from participating members for the eligible marriage.

4. If the marriage of the Insured Person takes place after completion of the prescribed 18-month waiting period and all applicable conditions are fulfilled, a minimum assistance amount of ₹1,00,000/- shall be applicable, irrespective of the number of active members at the relevant time.

5. From the total marriage assistance amount collected for an eligible marriage, 20% shall be deducted towards institutional charges. The balance amount shall constitute the net assistance payable under the scheme, subject to the applicable terms and conditions.

6. The Policy Holder shall deposit the prescribed ₹300/- marriage assistance contribution at least 15 days before the marriage date of the Insured Person. Failure to make the required contribution within the prescribed period may result in withholding or rejection of assistance and may also lead to termination of membership at the discretion of the institution.

7. All contributions made under the scheme shall be subject to the applicable payment rules, timelines, and other conditions prescribed by the institution.

10. Assistance Payment Process

1. The Policy Holder shall notify the institution of the proposed marriage of the Insured Person at least 30 days before the marriage date and submit all required information and supporting documents within the prescribed time.

2. The institution shall verify the membership status, eligibility of the Policy Holder and Insured Person, marriage details, applicable contributions, and documents submitted before approving the marriage assistance.

3. The Policy Holder shall deposit the prescribed ₹300/- marriage assistance contribution at least 15 days before the marriage date. The assistance shall be processed only after fulfillment of the applicable contribution and other requirements.

4. Upon successful verification and approval, the applicable marriage assistance amount shall be determined in accordance with the scheme rules and the contributions collected for the eligible marriage.

5. 20% of the total assistance amount collected shall be deducted towards institutional charges, and the remaining eligible amount shall be payable as marriage assistance.

6. The approved assistance amount shall ordinarily be paid to the Policy Holder through the payment method prescribed or approved by the institution. Where the Policy Holder has died, the applicable assistance shall be paid to the eligible Nominee, subject to fulfillment of the applicable conditions and verification requirements.

7. The institution may withhold, defer, or reject the assistance where the eligibility requirements, prescribed contributions, documentation, verification requirements, or other applicable conditions have not been fulfilled.

8. The actual payment shall be made only after completion of the applicable verification and approval process and shall be subject to the provisions of these Terms and Conditions.

11. Nominee Rights

1. The Nominee shall be an eligible immediate family member of the Policy Holder and must be duly registered in the scheme records.

2. Nomination shall not, by itself, create an unconditional right to receive any benefit. The Nominee shall become eligible for the applicable benefit only upon fulfillment of the conditions specified under the scheme and the respective insurance policy, as applicable.

3. In the event of the death of the Policy Holder, the eligible Nominee may receive the applicable marriage assistance in respect of the eligible marriage of the registered Insured Person, subject to fulfillment of the scheme's eligibility, membership, contribution, documentation, verification, and other applicable requirements.

4. The Nominee shall be required to provide the institution with the prescribed documents and information, including proof of the Policy Holder's death, identity, relationship, and other documents required for processing the applicable assistance.

5. Where the Policy Holder has died, the applicable marriage assistance payable to the Nominee shall be determined and paid in accordance with the scheme's Terms and Conditions, including applicable deductions and verification requirements.

6. The Nominee may also be entitled to receive the applicable life or accident insurance benefit arising from the death or other covered event of the Policy Holder, subject strictly to the terms, conditions, exclusions, eligibility requirements, documentation, and claim approval process of the respective third-party insurance policy.

7. The institution shall not be responsible for approving or determining the amount of any third-party insurance claim. The final insurance benefit shall be determined and paid in accordance with the applicable insurance policy and the decision of the respective insurance provider.

8. If the Nominee does not fulfill the applicable requirements or is found ineligible, the benefit may be withheld or rejected in accordance with the applicable rules and conditions.

12. Required Documents

The Policy Holder shall provide the following documents for enrollment and verification under the Putra Putri Vivah Yojna:

12.1 Policy Holder

• Recent Photograph

• Aadhaar Card

• Bank Passbook

12.2 Nominee

• Recent Photograph

• Aadhaar Card

• Bank Passbook

12.3 Insured Person

• Recent Photograph

• Aadhaar Card

Documents for Marriage Assistance

For processing marriage assistance, the Policy Holder or eligible Nominee, as applicable, shall submit the documents required by the institution for verification of the marriage, eligibility, identity, and other applicable conditions of the scheme.

The institution may require additional documents, declarations, certificates, or other supporting information where necessary for verification, processing, or approval of the marriage assistance.

All documents submitted by the Policy Holder, Nominee, or Insured Person must be valid, accurate, complete, and genuine. Submission of false, forged, altered, or misleading documents may result in rejection of the application or assistance and may lead to termination of membership in accordance with these Terms and Conditions.

13. Claim / Assistance Request Process

1. The Policy Holder shall notify the institution of the proposed marriage of the Insured Person at least 30 days before the marriage date through the prescribed communication or assistance request process.

2. The Policy Holder shall submit the prescribed assistance request/application along with all required documents and information relating to the Policy Holder, Insured Person, Nominee (where applicable), and proposed marriage.

3. The prescribed ₹300/- marriage assistance contribution shall be deposited by the Policy Holder at least 15 days before the marriage date. The assistance request shall be processed only after the required contribution and other applicable conditions have been fulfilled.

4. In the event of the death of the Policy Holder before the eligible marriage, the Nominee may submit the assistance request, subject to fulfilling the applicable eligibility and documentation requirements.

5. The institution shall examine the submitted application, documents, membership status, contribution records, marriage details, and other relevant information to determine eligibility for assistance.

6. The institution may request additional documents, information, declarations, or clarification from the Policy Holder or Nominee, as applicable, where required for verification and processing of the assistance request.

7. The assistance request shall be processed only after satisfactory completion of the applicable verification and approval process. Submission of a request or documents shall not by itself constitute approval or create an unconditional right to receive assistance.

8. The institution may reject, defer, or withhold an assistance request where the applicable eligibility conditions, contribution requirements, documentation, verification requirements, or other terms and conditions of the scheme have not been fulfilled.

14. Verification & Approval

1. The institution shall verify the information, documents, membership records, contribution records, and other details submitted by the Policy Holder or Nominee, as applicable, before approving any marriage assistance.

2. The institution may verify the identity and eligibility of the Policy Holder, Insured Person, and Nominee, their relationship, membership status, contribution history, and the eligibility of the proposed marriage under the scheme.

3. The institution may request additional documents, information, declarations, or clarification from the Policy Holder or Nominee where required to complete the verification process.

4. All documents and information submitted for verification must be genuine, accurate, complete, and valid. Any discrepancy, false statement, forged document, or material concealment may result in rejection of the assistance request and may lead to suspension or termination of membership in accordance with these Terms and Conditions.

5. Marriage assistance shall be approved only after the institution is satisfied that the applicable eligibility, membership, contribution, documentation, and other conditions of the scheme have been fulfilled.

6. Approval of an assistance request shall be communicated through the communication method prescribed by the institution. The institution may defer or reject an assistance request where the required conditions or verification requirements have not been satisfactorily fulfilled.

7. The institution's verification and approval of marriage assistance shall relate only to the benefits provided under this scheme. Any life, accident, health, or other insurance claim shall be separately assessed and approved by the respective third-party insurance provider in accordance with its applicable insurance policy.

15. Waiting & Membership Period

1. The membership of the Policy Holder shall become effective only after successful registration and approval by the institution.

2. The marriage assistance benefits under the Putra Putri Vivah Yojna shall not be available immediately upon enrollment. The Policy Holder must complete a waiting period of 18 months from the date of successful registration and approval of membership.

3. The marriage of the Insured Person shall qualify for assistance under the scheme only if it takes place after completion of the prescribed 18-month waiting period, subject to fulfillment of all other applicable terms and conditions.

4. The Policy Holder shall be required to deposit ₹200/- per month for one year from the date of registration, as prescribed under the scheme. Completion of this contribution period shall not, by itself, waive or reduce the applicable 18-month waiting period.

5. After completion of the 18-month waiting period, the Policy Holder may become eligible for marriage assistance upon fulfillment of the applicable contribution, documentation, verification, and other requirements of the scheme.

6. The applicable insurance coverage, including its commencement, continuation, validity, renewal, and termination, shall be governed separately by the terms and conditions of the selected third-party insurance policy.

16. Pre-existing Conditions / Prior Events

1. Any illness, medical condition, disability, or other relevant condition existing in the Policy Holder before enrollment shall be governed by the terms, conditions, exclusions, and eligibility provisions of the applicable third-party insurance policy.

2. If the Policy Holder has a pre-existing illness or medical condition and subsequently dies due to that condition, the applicable life or accident insurance benefit shall be payable only if the claim is admissible under the terms and conditions of the respective insurance policy.

3. The existence of a pre-existing condition or the rejection of an insurance claim due to such condition shall not, by itself, affect the Policy Holder's eligibility for marriage assistance for the Insured Person, provided all applicable conditions of the Putra Putri Vivah Yojna have been fulfilled.

4. Any condition or event occurring before enrollment that is required to be disclosed under the applicable insurance policy must be truthfully disclosed. Failure to disclose material information may affect insurance coverage or claim eligibility.

17. Multiple Marriage / Multiple Benefits

1. Marriage assistance under the Putra Putri Vivah Yojna shall be payable only once for the marriage of each registered Insured Person.

2. No Policy Holder or Nominee shall be entitled to claim or receive marriage assistance more than once for the same marriage or the same Insured Person.

3. Where a Policy Holder has more than one eligible son or daughter, assistance for the marriage of another registered Insured Person may be considered separately, subject to the applicable eligibility requirements, waiting period, contributions, and other terms and conditions of the scheme.

4. No duplicate or additional benefit shall be payable for the same marriage on the basis of multiple applications, claims, or nominations.

18. Disqualification Conditions

A Policy Holder or Nominee may become ineligible for marriage assistance under the scheme in any of the following circumstances:

1. The Policy Holder or Insured Person does not fulfill the eligibility, membership, or 18-month waiting period requirements of the scheme.

2. The prescribed contributions or payments are not made within the applicable time period.

3. The Insured Person's marriage details do not match the information registered with the institution or the Insured Person is not duly registered under the scheme.

4. Required documents or information are not submitted, or the submitted documents are found to be false, forged, invalid, incomplete, or misleading.

5. Any material information is intentionally concealed or incorrect information is provided during enrollment, verification, or the assistance process.

6. The Policy Holder or Nominee fails to cooperate with the institution's verification or approval process or fails to fulfill any mandatory requirement of the scheme.

7. The assistance request is found to be based on a duplicate, fraudulent, or otherwise ineligible claim.

8. The membership has been suspended or terminated in accordance with these Terms and Conditions before the assistance becomes payable.

19. False Information & Fraud

1. The Policy Holder, Nominee, and Insured Person shall provide true, accurate, complete, and genuine information and documents at the time of enrollment and throughout their participation in the scheme.

2. Providing false, misleading, forged, altered, or fraudulent information or documents, or intentionally concealing any material information, shall constitute a violation of these Terms and Conditions.

3. If any such information or document is identified during verification or after payment of assistance, the institution may reject, withhold, suspend, or recover the applicable assistance amount and may suspend or terminate the membership.

4. Any assistance obtained through fraud, misrepresentation, or concealment of material facts shall be liable to recovery from the person responsible, without prejudice to any other rights or remedies available to the institution under applicable law.

5. Where fraudulent information affects a third-party insurance claim, the matter shall also be subject to the terms and conditions of the respective insurance policy and the applicable decision of the insurance provider.

20. Cancellation / Termination of Membership

1. The Policy Holder may request cancellation of membership by submitting a written request to the institution in the prescribed manner.

2. The institution may suspend or terminate the membership if the Policy Holder:

   1. Fails to make any mandatory contribution or payment within the prescribed time;

   2. Provides false, misleading, forged, or fraudulent information or documents;

   3. Fails to fulfill the eligibility, documentation, verification, or other mandatory requirements of the scheme; or

   4. Violates any material provision of these Terms and Conditions.

3. The institution may terminate membership where, after verification, it determines that the Policy Holder or Insured Person is not eligible for participation in the scheme.

4. If the membership is terminated before the Policy Holder becomes eligible for marriage assistance, the Policy Holder shall not be entitled to claim such assistance under the terminated membership.

5. Completion of Membership: Once the applicable marriage assistance has been successfully provided for the eligible marriage of the Insured Person, the Policy shall be deemed completed and closed. Thereafter, all benefits and facilities available under the Putra Putri Vivah Yojna shall cease, and the institution shall have no further obligation to provide any additional benefit or assistance under the completed Policy, provided that the Policy Holder and Nominee have complied with all applicable Terms and Conditions and no fraud, misrepresentation, or concealment of material facts has been established.

6. Upon completion of the Policy in accordance with Clause 5, the institution shall not demand or recover any further amount from the Policy Holder or Nominee in respect of the completed Policy, except where recovery is permitted under these Terms and Conditions due to fraud, misrepresentation, concealment of material facts, or any other unlawful act.

7. If, at any stage, it is established that the Policy Holder or Nominee obtained marriage assistance by submitting false or forged documents, providing false or misleading information, concealing material facts, committing fraud, or otherwise obtaining assistance through unlawful means, the institution shall have the right to cancel the applicable benefit and recover the amount wrongfully paid.

8. In cases involving fraud or wrongful receipt of assistance, the institution may seek recovery of the wrongly paid assistance amount along with applicable interest, costs, and expenses, and may take appropriate legal action or use other remedies available under applicable law.

9. Termination or completion of membership shall not affect any rights or obligations that have already arisen before the effective date of termination or completion, including any amount lawfully recoverable by the institution under these Terms and Conditions.

10. Any insurance coverage associated with the membership shall be governed separately by the terms and conditions of the respective third-party insurance policy, including its provisions relating to cancellation, termination, continuation, and validity.

21. Death of Participant

1. In the event of the death of the Policy Holder before the eligible marriage of the Insured Person, the registered Nominee may continue the applicable assistance process and receive the marriage assistance, subject to fulfillment of the scheme's eligibility, waiting period, contribution, documentation, verification, and other applicable conditions.

2. The Nominee shall submit the required death certificate, identity proof, relationship proof, and other documents prescribed by the institution for processing the applicable assistance.

3. In the event of the death of the Insured Person before the eligible marriage, no marriage assistance shall be payable in respect of that Insured Person, and the applicable membership benefits relating to that marriage shall cease.

4. In the event of the death of the Nominee, the Policy Holder may request the institution to register another eligible immediate family member as Nominee, subject to the applicable rules and verification requirements.

5. Any life, accident, health, or other insurance benefit arising due to the death of the Policy Holder shall be payable to the eligible Nominee strictly in accordance with the terms, conditions, exclusions, documentation requirements, and claim approval process of the respective third-party insurance policy.

6. Death of the Policy Holder, Insured Person, or Nominee shall not by itself create any additional benefit beyond those expressly provided under this scheme and the applicable insurance policy.

22. Change of Nominee / Beneficiary

1. The Policy Holder may request a change of Nominee by submitting a written request to the institution in the prescribed manner, subject to the applicable rules and verification requirements.

2. The new Nominee must be an eligible immediate family member of the Policy Holder and shall be required to submit the prescribed identity, relationship, and other supporting documents.

3. Any change of Nominee shall become effective only after verification and approval by the institution and updating of the official membership records.

4. A Nominee change shall not affect any benefit or claim that has already been validly approved or paid before the effective date of such change.

5. In the event of the death of the existing Nominee, the Policy Holder may request a change of Nominee in accordance with the applicable procedure.

6. The Nominee for any life, accident, health, or other third-party insurance benefit shall be governed by the applicable insurance policy and the requirements of the respective insurance provider. Any change required under such insurance policy shall be completed separately as prescribed by the concerned insurer.

7. The institution shall not be responsible for any delay, rejection, or non-payment of an insurance claim arising from failure to update the Nominee details with the respective insurance provider.

23. Suspension / Rejection of Assistance

1. The institution may suspend, withhold, defer, or reject a marriage assistance request if the Policy Holder or Nominee fails to fulfill any applicable eligibility, membership, contribution, documentation, verification, or other requirement of the scheme.

2. Assistance may be withheld or rejected if the required ₹300/- marriage assistance contribution is not deposited within the prescribed period or if the Policy Holder fails to provide the required marriage notice within the specified time.

3. Assistance may be rejected where the Insured Person's marriage occurs before completion of the prescribed 18-month waiting period or otherwise does not meet the eligibility conditions of the scheme.

4. The institution may suspend or reject assistance where submitted documents or information are false, forged, incomplete, invalid, misleading, or inconsistent with the institution's records.

5. Assistance may be withheld where additional documents, information, clarification, or verification requested by the institution are not provided within the prescribed time.

6. Where fraud, misrepresentation, concealment of material facts, or any other unlawful conduct is established, the institution may reject the assistance, cancel the applicable benefit, and recover any amount already paid, along with applicable interest and costs, in accordance with these Terms and Conditions and applicable law.

7. Submission of an assistance request or completion of the required documentation shall not by itself create an unconditional right to receive assistance. Payment shall be made only after successful verification and approval by the institution.

24. Accuracy of Information & Documents

1. The Policy Holder, Nominee, and Insured Person shall provide true, accurate, complete, valid, and up-to-date information and documents at the time of enrollment and whenever required by the institution.

2. All personal, identity, relationship, bank, marriage, and other information submitted to the institution must correspond with the relevant official records and documents.

3. The Policy Holder shall be responsible for promptly informing the institution of any change, error, or discrepancy in the information or documents submitted.

4. The institution may require clarification, correction, or updated documents where any information is found to be incomplete, inaccurate, expired, or inconsistent.

5. Any false, forged, altered, misleading, or materially incorrect information or document may result in suspension or rejection of assistance, termination of membership, and recovery of any amount wrongly paid, in accordance with these Terms and Conditions and applicable law.

25. Right to Amend the Scheme

1. The institution reserves the right to amend, modify, revise, or update the terms, conditions, contribution amounts, assistance procedures, eligibility requirements, or other provisions of the scheme from time to time, subject to applicable law.

2. Any such amendment shall be communicated to the Policy Holder through the institution's prescribed communication channels and shall become effective from the date specified in the notice.

3. Any amendment shall not affect benefits that have already been validly approved and paid before the effective date of such amendment.

4. Any change in the terms, coverage, premium, exclusions, or benefits of a third-party insurance policy shall be governed by the respective insurance provider and applicable insurance policy, and shall not be deemed an amendment made by the institution.

26. Exceptional Circumstances

1. The institution shall not be liable for any delay, suspension, or inability to process or pay assistance caused by circumstances beyond its reasonable control, including natural disasters, epidemics, war, riots, government restrictions, legal or regulatory orders, strikes, technical failures, banking disruptions, or other force majeure events.

2. Where such circumstances affect the processing or payment of assistance, the institution may temporarily defer or suspend the applicable process until normal operations are restored or an alternative arrangement becomes reasonably available.

3. The institution shall make reasonable efforts to resume the assistance process and complete eligible payments as soon as practicable after the exceptional circumstances cease.

4. No exceptional circumstance shall be used to deny an otherwise valid benefit without reasonable cause, and all assistance shall remain subject to the applicable Terms and Conditions and applicable law.

27. Dispute Resolution

1. Any dispute, complaint, or disagreement arising in connection with the scheme shall first be submitted to the institution in writing for review and resolution.

2. The Policy Holder or Nominee shall provide the relevant policy details, facts, documents, and supporting information necessary for examination of the dispute.

3. The institution shall review the matter and make reasonable efforts to resolve the dispute fairly and within a reasonable period in accordance with these Terms and Conditions.

4. Where the dispute cannot be resolved through the institution's internal process, the concerned party may seek appropriate legal remedy before the competent authority or court having jurisdiction, in accordance with applicable law.

5. Nothing in these Terms and Conditions shall restrict any statutory right or remedy available to the Policy Holder, Nominee, or any other eligible person under applicable law.

6. Any dispute relating specifically to a third-party insurance policy or insurance claim shall be dealt with in accordance with the grievance, claim, and dispute-resolution mechanism prescribed by the respective insurance provider and applicable law.

28. Governing Law & Jurisdiction

1. These Terms and Conditions, the membership, and all matters arising from or relating to the Putra Putri Vivah Yojna shall be governed by and interpreted in accordance with the laws applicable in India.

2. Any dispute or legal matter arising in connection with the scheme shall be subject to the jurisdiction of the competent courts having jurisdiction over the registered office of the institution, subject to applicable law.

3. Nothing in these Terms and Conditions shall limit any mandatory rights, remedies, or protections available to the Policy Holder, Nominee, or other eligible person under applicable Indian law.

4. Matters relating specifically to any third-party insurance policy or insurance claim shall additionally be governed by the applicable insurance laws, regulations, and the terms and conditions of the respective insurance provider.

29. Third-Party Insurance Benefits

The Policy Holder may select any one of the two available insurance options, namely Life Insurence or Personal Accident Insurence, according to their choice and the applicable eligibility requirements. The selected insurance coverage shall be subject to the terms, conditions, exclusions, documentation requirements, and claim approval process of the respective insurance provider.

The institution shall provide either the Life Insurence or Personal Accident Insurence, as selected by the Policy Holder. If the Policy Holder wishes to obtain both policies, the applicable premium or amount for the second policy shall be paid separately by the Policy Holder as per the prevailing rules.

All benefits under the Life Insurence and Personal Accident Insurence, policies shall be subject to the respective insurance policy's terms, conditions, exclusions, documentation requirements, and claim approval process. The actual amount payable shall be limited to the amount approved under the applicable insurance policy.

The institution shall bear the applicable premium for the selected Life Insurence or Personal Accident Insurence, for the first year on behalf of the Policy Holder. After completion of the first year, if the Policy Holder wishes to continue the selected insurance policy, the applicable premium shall be paid by the Policy Holder from their own funds, subject to the prevailing terms and conditions of the respective insurance provider.

29.1 Life Insurence Policy

1. Under the LIC insurance option, the Policy Holder shall be provided insurance coverage of up to ₹1,00,000/-.

2. In the event of the death of the Policy Holder, the registered Nominee may receive an insurance benefit of up to ₹1,00,000/-, subject to the applicable LIC policy terms, conditions, exclusions, documentation requirements, and claim approval process.

29.2 Personal Accident Insurence Policy

1. Under the Personal Accident Insurence option, the Policy Holder shall be provided accident insurance coverage of up to ₹5,00,000/-, subject to the applicable policy terms and conditions.

2. In the event of accidental death of the Policy Holder, the registered Nominee may receive an accident insurance benefit of up to ₹5,00,000/-, subject to the applicable Personal Accident Insurence policy terms and claim approval process.

3. In case of permanent disability of the Policy Holder caused by an accident, financial assistance of up to ₹5,00,000/- may be provided, subject to the applicable policy terms and claim approval process.

4. In the event of accidental death of the Policy Holder, financial assistance of up to ₹50,000/- may be provided towards the education expenses of the Policy Holder's son or daughter, subject to the applicable rules and approval process.

5. If the Policy Holder is hospitalized due to an accident, financial assistance towards hospitalization expenses of up to ₹50,000/- may be provided, subject to the applicable policy terms, required documents, and approval process.

6. If the Policy Holder dies due to an accident outside the city of residence, financial assistance of up to ₹10,000/- may be provided towards transportation of the mortal remains to the place of residence, subject to the applicable rules and approval process.

30. Contact & Grievance Redressal

1. The Policy Holder, Nominee, or any eligible participant may contact the institution for queries, assistance requests, complaints, or clarification relating to the scheme.

2. Any grievance or complaint shall be submitted through the official contact channels prescribed by the institution, along with the relevant policy/membership details and supporting documents, where applicable.

3. The institution shall acknowledge and review the grievance and make reasonable efforts to provide an appropriate response or resolution within a reasonable period.

4. Where additional information or documents are required, the complainant shall provide the same within the prescribed time to facilitate timely resolution.

5. For assistance relating to the membership certificate, the Policy Holder should contact the concerned agent or the institution if the certificate is not received within 15 days of registration.

6. Complaints or claims relating specifically to Life Insurence, Personal Accident Insurence, or any other third-party insurance policy shall be raised through the applicable grievance or claim process of the respective insurance provider.

7. The institution's contact details and grievance channels may be updated from time to time. Members should use the latest contact details published through the institution's official communication channels.