WOMEN - NECKLACES

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Aadita Triple Heart Cascade Pendent

Aadita Triple Heart Cascade Pendent

$33.25$13.31
This Aadita pendent set features a charming vertical arrangement of three connected hearts, creating a graceful cascade effect. Each heart is delicately outlined and studded with sparkling white stones, offering...
Aadita Stylized Open Heart Pendent

Aadita Stylized Open Heart Pendent

$33.25$13.31
Showcasing a modern interpretation of a timeless symbol, this Aadita pendent centers on a stylized open heart pendant. The design features a fluid, polished gold-tone curve on one side, contrasted...
Aadita Crystal Leaf Drop Pendent

Aadita Crystal Leaf Drop Pendent

$33.25$13.31
This Aadita pendent highlights a beautifully crafted leaf-shaped pendant that blends texture with shine. The motif is split between a smooth, polished gold-tone finish and a section paved with shimmering...
Aadita Heart & Butterfly Pendent

Aadita Heart & Butterfly Pendent

$33.25$13.31
This Aadita pendent features a graceful heart outline paired with a delicate butterfly motif, creating a design that blends romantic symbolism with refined elegance. Accented with sparkling stones and finished...
Aadita Gold Plated Baguette Stone Fan Pendant Necklace

Aadita Gold Plated Baguette Stone Fan Pendant Necklace

$42.44$16.98
This premium pendant from Aadita features an elegant fan-inspired design set with three shimmering baguette-cut stones. The minimalist aesthetic and polished gold finish make it a versatile addition to any...
Aadita Geometric Triangular Baguette Stone Pendant

Aadita Geometric Triangular Baguette Stone Pendant

$42.44$16.98
Embrace modern sophistication with the Aadita triangular pendant, featuring a unique geometric frame accented by three precision-set baguette stones. Its clean lines and radiant gold plating offer a contemporary touch...
Aadita Radial Baguette Stone Circular Pendant

Aadita Radial Baguette Stone Circular Pendant

$42.44$16.98
This Aadita pendant showcases a striking radial arrangement of three baguette stones set within a circular golden frame. The design balances classic elegance with a hint of avant-garde flair, catching...
Aadita Tiered Curved Baguette Stone Pendant

Aadita Tiered Curved Baguette Stone Pendant

$42.44$16.98
Elevate your look with the Aadita tiered pendant, featuring a sophisticated design of parallel curved lines topped with a trio of vertical baguette stones. The intricate craftsmanship highlights the contrast...
Aadita Gold Plated Dancing Ballerina Girl Heart Pendant Necklace

Aadita Gold Plated Dancing Ballerina Girl Heart Pendant Necklace

$28.29$11.32
This premium gold-plated necklace by Aadita features a graceful ballerina pendant, meticulously crafted with sparkling white stones adorning her tutu and a heart-shaped detail. The intricate design balances traditional elegance...
Aadita Gold Plated Stylized Dancing Girl Crystal Pendant Necklace

Aadita Gold Plated Stylized Dancing Girl Crystal Pendant Necklace

$28.29$11.32
Add a touch of whimsical charm to your jewelry collection with this Aadita necklace, showcasing a stylized dancing girl. The pendant features a shimmering crystal-encrusted skirt and a small heart...
Aadita Gold Plated Abstract Flame Lattice Pendant Necklace

Aadita Gold Plated Abstract Flame Lattice Pendant Necklace

$29.71$11.89
Make a bold statement with this Aadita necklace, featuring a contemporary abstract flame-shaped pendant. The design showcases an intricate lattice mesh pattern accented by a sleek, curved row of brilliant...
Aadita Gold Plated Leaf Mesh Pattern Crystal Pendant Necklace

Aadita Gold Plated Leaf Mesh Pattern Crystal Pendant Necklace

$29.71$11.89
This Aadita necklace features a beautifully designed leaf silhouette, characterized by a delicate mesh texture that allows for a lightweight yet substantial appearance. A vertical row of sparkling white crystals...
Aadita S-Curve Interlocking Baguette Stone Pendant

Aadita S-Curve Interlocking Baguette Stone Pendant

$42.44$16.98
The Aadita S-curve pendant is a masterpiece of fluid design, featuring interlocking golden loops accented by diagonally set baguette stones. This elongated silhouette adds a touch of grace to the...
Aadita Gold Plated Lariat Drop Necklace with Blue Onyx and Crystal Beads

Aadita Gold Plated Lariat Drop Necklace with Blue Onyx and Crystal Beads

$49.75$19.91
Aadita presents this elegant lariat-style drop necklace crafted on a delicate gold plated box chain. The adjustable slider bead allows the wearer to control the drop length, while the cascading...
Aadita Gold-Plated Layered Green Stone Hexagon Pendant Necklace with Crystal Bead

Aadita Gold-Plated Layered Green Stone Hexagon Pendant Necklace with Crystal Bead

$44.87$17.95
Designed for the modern ethnic woman, this Aadita two-layer necklace pairs a crystal-drop upper strand with a lower beaded strand that centres on a bold hexagonal green stone pendant framed...
Aadita Gold Plated Kundan Necklace with Green Enamel and Multi-Shape Pendants

Aadita Gold Plated Kundan Necklace with Green Enamel and Multi-Shape Pendants

$45.98$18.39
Crafted for the modern ethnic wardrobe, this Aadita kundan station necklace presents three square kundan pendants with green enamel borders set on a diagonal, alternating with two teardrop kundan elements....
Aadita Gold Plated Oval Pink Stone Halo Pendant Necklace

Aadita Gold Plated Oval Pink Stone Halo Pendant Necklace

$30.65$12.26
Exude timeless sophistication with this elegant Aadita necklace, featuring a prominent oval pink stone center. The central stone is encircled by a brilliant halo of white crystals, creating a classic...
Aadita Gold-Plated Double-Strand Pearl Necklace with Crystal Spacers

Aadita Gold-Plated Double-Strand Pearl Necklace with Crystal Spacers

$42.68$17.08
Understated yet elegant, this Aadita double-strand necklace showcases lustrous white pearls evenly stationed along a fine gold-plated chain, punctuated by delicate crystal-embellished spacers. The dual-layer design creates a graceful silhouette...
Aadita Gold Plated Kundan Pendant Necklace with Pearl Drops and Floral Motif

Aadita Gold Plated Kundan Pendant Necklace with Pearl Drops and Floral Motif

$57.84$23.14
A refined celebration of traditional Indian craftsmanship, this Aadita kundan pendant necklace features a delicate four-petal floral kundan motif at the top and a rectangular kundan centerpiece bordered with white...
Majestic Gold-Plated Kundan Choker Set with Pink Bead Droplets and Green Accents

Majestic Gold-Plated Kundan Choker Set with Pink Bead Droplets and Green Accents

$99.19$39.68
Exude regal charm with this magnificent gold-plated choker set, featuring oversized, high-brilliance Kundan stones that catch the light from every angle. The centerpiece is meticulously crafted with teardrop green stone...
Aadita Convertible Magnetic Heart Clover Pendent

Aadita Convertible Magnetic Heart Clover Pendent

$59.01$23.61
Unlock two stunning looks in one with this versatile Aadita pendant. This innovative piece features a magnetic design that effortlessly transforms from a lucky four-leaf clover motif into a romantic...
Aadita Rose Gold Black Swan Pendant

Aadita Rose Gold Black Swan Pendant

$41.84$16.74
This elegant pendant set from Aadita features a distinctive swan motif, symbolizing grace and beauty. The pendant is meticulously paved with shimmering black crystals that provide a striking contrast against...
Aadita Silver-Plated Blue Stone Pendant Chain for Women & Girls

Aadita Silver-Plated Blue Stone Pendant Chain for Women & Girls

$42.68$17.08
Enhance your elegance with the Aadita Silver-Plated Blue Stone Pendant Chain. Designed with a lustrous navy blue oval-cut stone at its center, this pendant is surrounded by a glimmering border...
Aadita Silver-Plated Green Stone Pendant Chain for Women & Girls

Aadita Silver-Plated Green Stone Pendant Chain for Women & Girls

$42.68$17.08
Elevate your everyday style with Aadita's stunning green stone pendant necklace. This silver-plated pendant features an elegant teardrop-shaped green stone at its center, adorned with sparkling white crystal accents forming...
Aadita Silver-Toned Box Chain Pendant with Pink Crystal & Diamond Accents

Aadita Silver-Toned Box Chain Pendant with Pink Crystal & Diamond Accents

$42.68$17.08
Elevate your everyday elegance with this Aadita silver-toned pendant necklace, featuring a refined box chain and an intricately crafted pendant. The centerpiece showcases a slender pink crystal encased in a...
Aadita Silver-Plated Red Stone Designer Pendant Chain for Women & Girls

Aadita Silver-Plated Red Stone Designer Pendant Chain for Women & Girls

$42.68$17.08
Embrace elegance with Aadita's exquisite red stone designer pendant necklace. This striking piece showcases a beautifully cut deep red rectangular stone, artistically framed with dazzling white crystals in a vintage-style...
Aadita Silver-Plated Yellow Crystal Pendant Chain for Women & Girls

Aadita Silver-Plated Yellow Crystal Pendant Chain for Women & Girls

$42.68$17.08
Bring a touch of radiance to your everyday and festive style with Aadita's elegant yellow crystal pendant necklace. This dazzling design features a long oval-shaped yellow crystal, beautifully faceted and...
Aadita Silver Plated Contemporary Green Kundan Sleek Necklace

Aadita Silver Plated Contemporary Green Kundan Sleek Necklace

$47.83$19.13
Experience understated elegance with this Aadita contemporary necklace. Designed with a sleek silver-plated finish and delicate green kundan stones, this lightweight piece is ideal for adding a sophisticated touch of...
Aadita Silver-Tone Necklace with Pink Kundan and Crystal Beads for Women & Girls

Aadita Silver-Tone Necklace with Pink Kundan and Crystal Beads for Women & Girls

$46.82$18.73
Grace your neckline with this elegant silver-tone necklace featuring pastel pink kundan stones and transparent lilac beads. The design showcases a floral-inspired pendant with a dangling pink teardrop crystal, suspended...
Aadita White Multi-Strand Pearl Beaded Long Necklace for Women

Aadita White Multi-Strand Pearl Beaded Long Necklace for Women

$34.43$13.78
Add timeless elegance to your ethnic ensemble with this Aadita white multi-strand pearl beaded long necklace. Featuring three graceful layers of glossy faux pearls in graduated sizes, this necklace brings...
Elegant Red Heart Charm Chain Necklace

Elegant Red Heart Charm Chain Necklace

$98.91$47.48
You can never go wrong with this classic piece of jewellery. With just the right amount of charm and style, it can take you from a busy day at work...
Pristine Heart Pendant Chain Necklace

Pristine Heart Pendant Chain Necklace

$120.79$57.98
Perfect for any occasion, whether it's a lavish gala or an intimate celebration, the "Spectacular Silver Symphony" AD necklace will enhance your natural beauty and elevate your ensemble to new...
Dynamic Layers Statement Necklace

Dynamic Layers Statement Necklace

$48.33$23.20
Whether you're attending a country-western soiree, reliving the spirit of frontier fashion, or simply wish to add a touch of western nostalgia to your style, the "Silver Sagebrush Symphony" necklace...
Cool Link Chain with Papper Clip Charm

Cool Link Chain with Papper Clip Charm

$48.33$23.20
Elevate your everyday style with the elegance of this 18K Gold-Plated Paperclip Charm Necklace. Crafted with precision, it features a classic paperclip chain design, adding a modern twist to a...
Sparkly Elegant Bow Necklace

Sparkly Elegant Bow Necklace

$66.13$31.74
Necklace & Chains: One of the most versatile forms of ornate designs that goes well with every style and personality. Wear one of these and you do not have to...
Graceful American Diamond Zirconia Studded Pendant Necklace

Graceful American Diamond Zirconia Studded Pendant Necklace

$66.13$31.74
Necklace and Chains : This exquisite Rhodium Plated choker necklace is a true statement of luxury and elegance. Adorned with sparkling Crystal AD and Cubic Zirconia stones, the design features...
Gleaming Bow Pink American Diamond Zirconia Studded Necklace

Gleaming Bow Pink American Diamond Zirconia Studded Necklace

$46.16$22.16
Necklace and Chains : Rhodium-plated necklace with soft pink beads and a chic bow design. This elegant piece combines the gentle hue of pink with a stylish bow, adding a...
Chic Bow Pendant with Pearl & Ribbon Charm

Chic Bow Pendant with Pearl & Ribbon Charm

$38.33$18.40
Necklace and Chains : Rhodium-plated necklace featuring beaded silver bow pendant with soft pink ribbon detailing. This elegant piece combines the sleekness of silver with the delicate charm of a...
Pearly s with Soft Pink Bow Charm Necklace

Pearly s with Soft Pink Bow Charm Necklace

$41.96$20.14
Necklace and Chains : Rhodium-plated necklace featuring delicate pearl beads and a soft pink bow charm. This charming piece combines elegance with a hint of playful sophistication, perfect for enhancing...
Airy Butterfly Bow Pendant Necklace

Airy Butterfly Bow Pendant Necklace

$37.03$17.77
Necklace and Chains : This delicate necklace features soft pink beads complemented by a rhodium-plated chain, accented with silver-tone beads. The centerpiece is a charming iridescent butterfly bow pendant, adding...
Soft Pink Necklace with Cute Bow

Soft Pink Necklace with Cute Bow

$46.23$22.19
Necklace and Chains : This Rhodium Plated necklace offers a delicate and feminine touch, featuring soft pink beads that exude a subtle elegance. The necklace is accentuated by a charming...
Evil Eye Accent Multi Layered Necklace

Evil Eye Accent Multi Layered Necklace

$50.00$24.00
Embrace the perfect blend of style and symbolism with this 18K gold-plated layered necklace. Crafted from high-quality stainless steel, this tarnish-free and waterproof piece is designed for longevity. The necklace...
Delicately Graceful Pink Floral Statement Necklace

Delicately Graceful Pink Floral Statement Necklace

$66.13$31.74
Necklace & Chains : This elegant choker from features two delicate pink flowers made from soft fabric, intricately attached to a smooth double rope. The subtle pink tones and minimalistic...
Minty & Pastel s Necklace Chain

Minty & Pastel s Necklace Chain

$53.41$25.63
It's a necklace for the queens! Exude the royal vibe with this multicolour stones necklace, this necklace is crafted from Gold Plated copper, stones. Occasion : Bring your style to...
Modern Link & Rope Style Necklace

Modern Link & Rope Style Necklace

$48.33$23.20
" The ""18K Gold Plated Link & Rope Chain Layered Necklace"" is a stylish and versatile accessory. This necklace features a layered design, combining link and rope chains for a...
Butterfly Motif American Diamond Zirconia Studded Necklace Chain

Butterfly Motif American Diamond Zirconia Studded Necklace Chain

$41.23$19.79
It's a necklace for the queens! Exude the royal vibe with this AD studded necklace this necklace is crafted from rhodium plated brass, stone. Occasion : Bring your style to...
Sparkly Bow with Heart Trendy Necklace

Sparkly Bow with Heart Trendy Necklace

$46.23$22.19
Necklace and Chains : Discover the elegance of Rhodium Plated Crystal Beaded Necklace with Heart Pendant and Bow Detailing. This piece combines quality craftsmanship with a timeless design, making it...
Precious Hearts Gold Plated Necklace

Precious Hearts Gold Plated Necklace

$84.96$40.78
Necklace and Chains : Discover the elegance of 18K Gold Plated Red Heart Shaped Crystal Choker Necklace with CubicZirconia Accents. This piece combines quality craftsmanship with a timeless design, making...

Women Necklaces

Explore the latest Women Necklaces Collection online at India Kreations featuring elegant and luxurious jewelry designed to elevate every ethnic and modern outfit. From traditional statement necklaces to contemporary layered styles, our collection offers timeless jewelry pieces perfect for weddings, festive celebrations, parties, and special occasions.

Beautifully crafted with intricate detailing and premium finishes, our women necklaces are designed for women who love sophisticated jewelry with a perfect blend of traditional Indian artistry and modern fashion trends.

Shop Stylish Women Necklaces for Every Occasion

Discover a wide variety of designer necklaces created for bridal wear, festive celebrations, party styling, and everyday elegance. Whether you prefer bold statement jewelry or minimal chic designs, our collection offers stylish options for every fashion preference.

  • Designer Necklaces for Women
  • Traditional Ethnic Necklaces
  • Bridal Necklace Collection
  • Party Wear Necklaces
  • Kundan & Stone Work Necklaces
  • Layered Fashion Necklaces
  • Statement Jewelry Designs
  • Pearl & Beaded Necklaces
  • Festive Jewelry Collection

Premium Craftsmanship & Elegant Detailing

Our women necklaces are crafted with premium quality materials and detailed artistry to create luxurious jewelry suitable for every celebration. Intricate embellishments including kundan work, pearl accents, stone detailing, mirror work, beads, metallic finishes, and handcrafted elements add elegance and sophistication to every design.

Perfect Jewelry for Weddings & Festive Styling

Necklaces are essential accessories that complete every ethnic and party wear look beautifully. Perfect for weddings, receptions, engagement ceremonies, festive celebrations, cocktail parties, and family functions, these jewelry pieces add glamour and elegance to every outfit.

Complete your festive styling by exploring our Women Bracelets & Bangles, Women Finger Rings, Women Wedding Wear, and Designer Lehenga Collection.

Trending Styles & Fashion Finishes

Choose from stunning finishes including Gold, Silver, Rose Gold, Pearl White, Green, Red, Pink, Black, and multicolor necklace designs crafted to complement bridal outfits, festive wear, and modern fashion styling.

Why Choose Women Necklaces from India Kreations?

  • Elegant and luxurious necklace designs
  • Perfect for weddings and festive occasions
  • Traditional and modern jewelry styles
  • Premium craftsmanship with intricate detailing
  • Fashion accessories for ethnic and western wear
  • Worldwide shipping for international customers

Buy Women Necklaces Online at India Kreations

Shop the latest Women Necklaces Collection online at India Kreations and discover premium jewelry designed for style, elegance, and celebration. Explore fashionable necklaces with worldwide shipping and elevate your jewelry collection with timeless Indian fashion.

FAQ's

How to place an order?
  • Login to India Kreations.com website. 
  • Add items to your cart(select "add to cart" on the product detail page)
  • After you finish shopping, review all items in your shopping cart to verify the correct size, colour, and quantity (by selecting "view cart" India Kreations.com/cart)
  • When you are ready to order, click on the "checkout" button on your shopping cart page.
  • Then, fill in your address and make the payment.
  • Once the order is placed, we will send you an order confirmation email.
How to place an order on Android/IOS?

For android users, download the India Kreations app from the play store and IOS users from the app store. Then the procedure is the same as the regular app shopping. Add your favourite products to the cart. Then review the products and click on check out. Finally, fill in the address and make the payment.

With many online shopping apps to choose from, India Kreations offers an effortless online shopping experience and shipping worldwide.

Does India Kreations deliver internationally?

Yes, we tie up with the best shipping partners worldwide with the only aim to do worldwide fastest deliveries. We have regular customers ordering from the US, UK, Australia, Canada, France, New Zealand, Germany, Malaysia and Singapore. 

From where can I login into my account?

At the top right corner of our Website, India Kreations.com you will see an option to "Login/Signup". Click on it, and you will be guided to the Customer Login pop-up, where you need to enter your 'Registered Email ID & Password' to log in and proceed with the account login process.

What is the delivery time?

All items on our website have a different time to dispatch, like one day, seven days, which is the time (calendar days) required to process the item to our warehouse. So overall, your order might take anywhere around 12 - 15 business days. You will receive the tracking details by an auto-generated email within 24-48 hours of shipment.

 Any Customization, if opted for, would need additional three working days.

Which currency is displayed on the website? 

The prices visible on India Kreations.com are stated in USD. Please note that from AED to SGD, we also have 12 other currencies options to choose from (on the menu beside the search bar).

How do I use my coupon code, and how long is it valid for?

Coupon codes offer a discount(a percentage or a specific dollar amount). To avail, the deal enters the code during the checkout process. The validity differs for each code. Please call us at +91 8595898844 to enquire about your coupon code.

Accordion itemSize guide - What size should I order?

Each brand has a different size chat. We provide accurate sizing charts to help ensure the buyer gets the desired fit. On the product page, our size chat popup shows the measurements for all the sizes in cm and inches. we suggest picking a size higher when in doubt so that you can later alter it if needed.

How can I change or cancel my order?

If you change your mind about your purchase, you have the option to cancel your order. To cancel your order, please call us at customer support at +91 8595898844 or write at support@indiakreations.com. After that, we will initiate a 100% refund, and a confirmation of the same will be sent via email.

I forgot my password. How do I change it?

If you have forgotten your password, click on ‘Recover password’(on my account section of the website), and you will be redirected to an email where you can reset your password.

Are the colours shown on the India Kreations website accurate to the garments?

We strive to try and display the colours of the garment as accurately as possible on our website. However, we cannot give you a 100% guarantee that the colours of the garment will match the colours viewed on an electronic device. Note that slight variations may occur in hand embroidered items.

How do I know if my order has been placed?

Once you have placed an order, you will receive an email confirmation stating that your order has been placed successfully. For any queries, call us +91 8595898844 or email us at support@indiakreations.com.

What are your shipping charges?

USA shipping prices:
Expedited Shipping :USD 15.99 on all orders

India shipping prices:

Free shipping on all orders.

Bangladesh, Nepal & Sri lanka shipping price:

USD 9.99 on all orders

UK Shipping Price:

USD 6.99 on all orders
Expedited Shipping :USD 17.99 on all orders

AUS Shipping Price:

USD 6.99 on orders value above USD 69

USD 9.99 on orders less than USD 68.99
Expedited Shipping :  19.99 USD

Malaysia & Singapore:

Free Shipping on Orders above USD 49

USD 4.99 on orders less than USD 48.99

What additional duties and taxes will I have to pay?

All product prices are inclusive of all taxes and duties. We are liable for all import duties, customs and local sales taxes levied by the country you reside in.

Could there be a delay at India Kreations Global because of "unforeseen circumstances"?

We try our best to ensure that your ordered products are shipped out to you in the promised time. Still, there are chances of delay in processing due to unavailability of stock or other unavoidable circumstances. In such a situation, we will send you a formal communication requesting you to :

  1. a) Accept a Store Credit of equivalent value, which you may use to purchase an alternate Ethnic Fashion Statement
  2. b) Opt to receive a refund of your money.
What does Ready To Ship mean?

'Ready to Ship' means that we can dispatch a product within two days and deliver it within six working days. You can explore our 'Ready to Ship' collection by going to our website's menu. If you are buying any other item along with the ready to ship products, The whole order will be dispatched in regular timezone and the delivery period will be 12 - 15 working days. 

Is your package marked as delivered, but you cannot find it?
  1. Please wait 48 hours before contacting customer service. A carrier keeps a package delivered prematurely in most cases, and the package will arrive within 48 hours. 
  2. In some cases, the package was delivered to a neighbour or placed in a different mailbox. If you can, please ask your neighbours if they have seen the package before contacting customer service. 
  3. If you still haven't found the package, please call us on +91 8595898844.

Please report all packages as missing or lost within one week of the expected delivery date. You can write a box as missing by emailing customer service at support@indiakreations.com. If a package is reported as missing > 1 week after the expected delivery date, you will be asked to file a claim with the postal carrier, and we cannot guarantee a replacement.

We love to get it right for you every single time you trust us with your purchase. We want you to have a hassle-free shopping experience.

What are the steps of returning any item ordered from India Kreations Global?
  1. Informing India Kreations Global: If you have any complaints regarding the product you have received, please ensure that you report them to us within 48 hours of receiving the product. 
  2. A confirmation email from India Kreations Global: You will receive an acknowledgement email confirming a Return Authorization within 2-3 business days. Please do not ship items before you receive this email from us. We will be unable to process any "Items Returned" without the Return Authorization Reference.
  3. Please note: In case needed, we'd request a digital picture of the item for our internal review to process your request.
  4. Shipping Back the Items. When Shipping back the items: 
  5. As would be advised in our return authorisation email, please send the items to us preferably through a reputed, registered courier/airmail service only to avoid any transit-related issues. 
  6. Please try and ensure that you retain all the packaging material along with the product. Do not remove tags, stickers, etc. Unless you are sure you want to keep the product. The presence of original tags is a must to process returns.
  7. Please do not forget to mark the packaging as "Defective Items for Returns" and "not for sale".
  8. Item Receipt and Inspection at India Kreations Global Warehouse: Our teams shall examine the products on return as a policy and identify the defects/variations as indicated by you.
  9. Proposed solutions post receipt of returned items: Post-inspection of the returned item(s), our Customer Care team will propose remedial solutions to you on a case to case basis:
  10. Choosing an alternate item as a replacement of equal value.
  11. Store Credit/Coupon Code to be used later for shopping on India Kreations Global.
  12. Refund as decided on a case to case basis.
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