+1 Scheme Terms

What the +1 Scheme is

The +1 Scheme lets you pay Mura Readymades in advance, in monthly installments, for a future purchase from our store. The money you pay is an advance payment for goods we sell — not a deposit, investment, chit or loan — and it doesn't earn interest.

Your +1 Scheme balance can only be spent on purchases at Mura's own store. It can't be used at Mura Circle partner businesses, transferred to another person, or withdrawn as cash except as a refund under these terms.

How it works

You choose a fixed monthly installment and pay it for the number of months shown when you join (at most 11). The first installment is due when you join, then the same date each month. You can catch up a missed installment, or pay ahead, at any time before its ready date.

One month after your last scheduled installment, your +1 Scheme is ready: Mura adds a bonus — up to the amount shown when you joined, in proportion to the installments you paid — and the whole balance can be spent at our store.

The "+1" is that bonus: pay every installment and Mura adds one more installment's worth (for example, pay 11 × ₹500 and shop for ₹6,000). If you pay fewer installments, the bonus is smaller, in proportion.

Please spend your +1 Scheme balance by the use-by date shown in the app (within 365 days of joining). We'll remind you before it.

The bonus is a discount from Mura on purchases. It has no cash value and is never paid out in cash.

Refunds

It's your money. Ask at the store or contact us, and we'll refund what you paid in, less anything you've already spent, to your original payment method or as cash at the counter — usually within 7 working days.

Leaving a +1 Scheme before it's ready means a full refund of what you paid in, and no bonus. After it's ready, Mura's bonus can be spent but isn't refunded.

Payments and AutoSave

Online payments are processed by Razorpay. We don't charge any fee for saving. If a payment fails, no money is added and nothing is owed.

AutoSave uses a UPI AutoPay or card mandate that you approve in your own payment app. You can stop it any time in Mura One or in your UPI app; stopping it never affects installments already paid.

If something changes

If we ever stop offering the +1 Scheme, we'll tell you in the app and you can spend or get a refund of your full balance. Changes to these terms never reduce money you've already paid or a +1 Scheme you've already joined.

Closing your Mura One account requires your +1 Scheme balance to be spent or refunded first.

Contact us

Mura Readymades · No. 31, Gandhiji Road, Mayiladuthurai, Nagapattinam, Tamil Nadu 609001 · support@murasons.in

Grievance Officer: V Ramakrishnan, Managing Director · muraramki@gmail.com · +91 73737 72884.