A boutique business measured in relationships, not footfall. Every client has a named advisor and a private viewing calendar.
9
Zoya boutiques and salons
7
Cities and towns covered
₹500 Cr+
Luxury jewellery scale
35
Consoles live on this brand
Open
Aiera Live
Pick the sales or support agent, place a real call, and watch the conversation and quality record.
Open
Retention and dormancy
9,800 quiet identities across 4 segments, with a dated call list at the end.
Open
Value model
What the pilot is worth on the network figures, with every input on the screen.
What the published figures say
Boutique presence in Mumbai, Delhi NCR, Kolkata, Chennai, Bengaluru, Hyderabad and Ahmedabad.
Sales are advisor-led, with private viewings rather than walk-in conversion.
Average ticket is an order of magnitude above mainstream jewellery.
Range and price ladder
Category
Price band
Share of mix
High jewellery suites
₹25 L – ₹2 Cr
34%
Solitaire and rare stones
₹8 L – ₹60 L
28%
Bridal couture
₹12 L – ₹80 L
24%
Collectible everyday
₹2.5 L – ₹9 L
14%
Price bands follow published Zoya ranges. Mix shares are modelled from the category ladder and the store network.
Six teams, one view per head
The platform is organised the way Zoya is run, so every head opens the console that belongs to them.
Team 01
Retail and stores
Head of retail
Team 02
Schemes and savings
Head of schemes
Team 03
Customer and loyalty
Head of customer and loyalty
Team 04
Marketing and campaigns
Chief marketing officer
Team 05
Service and exchange
Head of after sales
Team 06
Method
Chief financial officer
Platform map
Every module on the platform, the engine behind each one, and what it does on this brand.
#
Module
Engine
What it does
01
Inbound call desk
Voice
Every inbound call answered in the caller's language, coded by reason, with the outcome written back.
02
Outbound enquiry desk
Voice
Enquiries called back within the hour, with a dated next step on every record.
03
Aiera Live
Voice
The live call desk: pick an agent, place the call, watch the conversation and the quality record.
04
Appointment book
Platform
Advisor and store calendars, held slots and reminder calls before every appointment.
05
Lead scoring
Scanning
Intent read from enquiry source, category and response, so the desk calls the right record first.
06
Dormancy engine
Scanning
Continuous read of the Zoya customer book for records that have gone quiet.
07
Reactivation ladder
Voice
A five step contact ladder with a stop rule, so no customer is called twice for the same reason.
08
Loyalty desk
Platform
Tier movement, benefit reminders and the calls that keep a member from slipping a tier.
09
Campaign runner
Generation
Scripts and messages per campaign, published to the desk with the calendar attached.
10
Messaging desk
Messaging
WhatsApp and chat where a message clears the volume more cheaply than a call.
11
Service desk
Voice
Job intake, status calls and completion confirmation across 3 job types.
12
Warranty and claims
Platform
Claim intake, evidence capture and escalation with an audit trail on every claim.
13
Store network view
Platform
Store level demand, staffing pressure and conversion, region by region.
14
Store audit
Scanning
Display, stock and process compliance scored per store, with dated actions.
15
Stock and availability
Scanning
Enquiries matched to what a store actually holds, so the desk stops promising blind.
16
Quality record
Platform
Every conversation scored on the same rubric, at issue level, never at individual level.
17
Value model
Platform
Live calculator from the network figures, with every assumption on the screen.
18
Data readiness
Platform
What is connected, what is modelled and what is needed to go live.
19
Governance
Platform
Consent, retention windows, language policy and what the system will not do.
20
Marketing studio
Generation
Five campaign images and five reels generated for Zoya, with the beat sheet and channel on each.
21
AI product portfolio
Method
Five AI products scored on impact against effort, with the integrations each one needs.
22
Caller coaching
Platform
Six behaviours scored on every call, with next week's drill written from the lowest one.
23
Call analysis
Scanning
Every conversation transcribed, coded and scored, with the objection and the next step on the record.
24
Market sense
Scanning
Live web intelligence on Zoya in six buckets, read off the open web with every source linked.
25
Commercial terms
Method
Flat retainer, usage as pass through and the month six review.
Aiera Live · Zoya call desk
Two live voice agents run on this brand: a sales and enquiry agent, and a customer support agent. Both speak English with natural Hinglish switching, close within a 300 second ceiling and end with a WhatsApp or callback offer.
Agent 01
Sales and enquiry — Aditi
Calls back new enquiries, explains the range in two or three lines, and books a store or advisor appointment. Never quotes exact prices or discounts.
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Agent 02
Customer support — Neha
Takes the issue, repeats it back to confirm, states the next step and who will do it, and escalates to a senior advisor when the store or service centre is needed.
d2dced0f-fa2b-4d63-ac96-418bccb27203
Place a real call now
+91
The call is placed from the Zoya agent on this console. Only Indian mobile numbers are accepted.
How a call is recorded
Field
Written by
Example
Reason code
Agent, from the conversation
High jewellery suites enquiry
Outcome
Agent, at close
Appointment booked
Next step and date
Agent, at close
Store advisor call in 2 days
Language used
Transcriber
English with Hindi switching
Quality score
Quality record, issue level
Rubric score on 5 dimensions
Enquiry and lead desk
Every enquiry gets a call attempt inside the hour, a reason code, and a dated next step. Nothing sits in a spreadsheet.
3,200
Enquiries a year, all sources
74%
Contact rate on the ladder
16%
Contacted to purchase
₹14.5 L
Average ticket on this brand
Live enquiry queue
Enquiry
Source
Category
Store
Age
Next step
A. Menon
Website
High jewellery suites
West
40 min
Appointment
R. Iyer
Store walk-in
Solitaire and rare stones
North
2 h
Call now
S. Bhatia
WhatsApp
Bridal couture
South
6 h
Appointment
N. Das
Marketplace
Collectible everyday
East
1 day
Call now
Customer names are masked on this console. Source, category and ageing follow the live enquiry mix.
Funnel on current inputs
Stage
Volume a year
Rate
Enquiries received
3,200
100%
Reached on the ladder
2,368
74%
Converted to purchase
379
16% of reached
Revenue at average ticket
₹4.6 Cr a month
₹55 Cr a year
The appointment desk
An answered call is worth nothing until a slot is held. The desk holds the slot on the call, confirms it the day before, and writes the outcome back.
89
Appointments a month at current contact rates
73%
Honoured after a reminder call
17 min
Average time from call to held slot
Appointment types held on this brand
Type
Length
Who it is with
Reminder
Private salon appointment
120 minutes
Curator
Call the day before, message two hours before
At home presentation
Half day
Curator and security
Call the day before, message two hours before
Bespoke design consultation
90 minutes
Design head
Call the day before, message two hours before
Heirloom valuation
60 minutes
Valuer
Call the day before, message two hours before
Rules the desk follows
A slot is only offered when the calendar shows it open; the agent never promises a time it cannot hold.
Every appointment carries a named person at the store, not just a store name.
A no show is called once, the same day, and re-offered a different window.
Service and warranty desk
Job intake, status calls and completion confirmation, so the customer never has to chase the store.
Job type
Standard turnaround
Volume
Desk action
Cleaning and re-certification
10 days
310 / month
Status call at intake, midpoint and completion
Setting restoration
18 days
140 / month
Status call at intake, midpoint and completion
Bespoke commission
10 weeks
60 / month
Status call at intake, midpoint and completion
900
Service conversations a month
72%
Handled without a store call back
2.3 days
Average time saved per job
Escalation rules
Any job past its standard turnaround is escalated to the store manager the same day.
A second complaint on the same job goes straight to a senior advisor, never back to the agent.
Warranty decisions are never communicated by the agent until the service centre has confirmed them.
Messaging desk
Not every conversation deserves a call. Where a message clears the volume more cheaply and more politely, the desk sends a message.
Reason
Channel
Why not a call
Appointment confirmation and reminder
WhatsApp
Nothing to discuss, only to confirm
Order, job or repair status update
WhatsApp
A date is easier read than heard
Lookbook and priced set
WhatsApp
The customer needs to see it
Store address, timing and directions
SMS or WhatsApp
Detail the caller will forget
Consent and opt out capture
WhatsApp
Written record required
213
Messages a month at current volumes
30%
Call volume moved to messaging
₹15,360
Contact cost avoided a year
Messaging cost avoidance is modelled at the difference between a messaging contact and a voice contact on Indian rates.
Retention and dormancy
9,800 identities have gone quiet on this brand. The engine reads the customer book continuously and produces a dated call list per segment.
Segment
Size
Action on the ladder
Client, no viewing in 6 months
2,900
Advisor personal call
Viewed, no purchase
1,240
Second viewing with revised edit
Wedding date within 5 months
860
Couture consultation
Referral from an existing client
540
Introduction appointment
Segment builder
343
Customers back in a year
₹50 Cr
Value recovered at that rate
Segment sizes are modelled from the 9 strong network and the published customer base. Every rate here is an editable input.
Savings and loyalty book
The instalment and loyalty base is the largest reason a Zoya customer comes back. The desk protects it call by call.
Cohort in the book
Size
What the desk does
Active scheme or plan accounts
Modelled from the store network
Instalment reminder call 3 days before due
Missed one instalment
6% of the active book
Recovery call, two attempts, then stop
Maturity in the next 45 days
8% of the active book
Redemption appointment call
Lapsed after four instalments
1,240
Restart ladder with the balance stated
How the desk behaves on it
The agent never quotes a discount or a making charge waiver; it states the balance and books the visit.
A member who asks to stop is flagged and never called again for the same scheme.
Book sizes are modelled from the 9 zoya boutiques and salons and comparable programmes. Each one is replaced with the brand's own figure in the first data session.
Loyalty desk
Tier movement is the cheapest growth on this brand: a member about to slip a tier is worth a call, and a member one purchase away from the next tier is worth two.
Tier
Entry criteria
Members
Zoya Circle
Invitation, first acquisition
14,800
Zoya Private
₹50 L lifetime
2,600
What the desk does with it
Trigger
Call
Window
One purchase away from the next tier
Benefit and upgrade call
Within 7 days
Tier expiring in 60 days
Retention call with the benefit spelled out
Two attempts
Benefit unused for 6 months
Reminder call, no offer
One attempt
Birthday or anniversary in the record
Occasion call
Three days before
Campaigns and launches
Each campaign arrives at the desk as a script, a call list and a stop rule, not as a brief.
Campaign
Window
Channel
Desk output
Private viewing calendar
Rolling
Advisor voice
Script, dated list, stop rule
New high jewellery chapter
Two a year
Invitation only
Script, dated list, stop rule
Category focus in the current window
Category
Price band
Share of calls
High jewellery suites
₹25 L – ₹2 Cr
36%
Solitaire and rare stones
₹8 L – ₹60 L
28%
Bridal couture
₹12 L – ₹80 L
23%
Collectible everyday
₹2.5 L – ₹9 L
12%
Campaign names describe campaign types, not confirmed Zoya plans. Call shares are modelled on comparable windows.
Rate and occasion trigger desk
Daily gold and diamond rate movement, plus the wedding and festival calendar per region.
Trigger
Who gets called
Window
Rate down 1.5% or more
Saved bridal and diamond enquiries
Call within 24 hours
Rate up 2% or more
Exchange and old gold enquiries
Call within 48 hours
Festival window opens
Category buyers from last year's window
Call two weeks before
Wedding date inside 90 days
Bridal enquiry with a date
Stylist appointment call
Rules on the trigger
A fall of more than 1.5% in the daily rate opens a call window on saved bridal enquiries.
A rise of more than 2% opens a call window on exchange and buy back enquiries instead.
Wedding date in the record inside 90 days moves that record to the top of the list.
A trigger only ever opens a call window. It never sends an offer, a price or a discount on its own.
Zoya private salon
Zoya sells by invitation and by appointment. The desk holds the salon, the curator and the selection before the client arrives.
Service
How it runs
Who it is for
Private viewing room
By appointment, selection pulled in advance
Bridal and solitaire enquiries
Home trial and doorstep viewing
Metro locations, advisor accompanied
Verified high value customers
Dedicated stylist
Named advisor across the whole purchase
Bridal trousseau buyers
Purity and valuation clinic
Same day, in store
Exchange and heirloom enquiries
2.7×
Conversion against a walk in enquiry
24%
Share of high value enquiries routed here
48 h
Time from enquiry to a held session
Uplift and routing shares are modelled on comparable appointment led retail. They are inputs, not claims.
Collection lookbook and stylist brief
The desk sends a short, priced set before the visit, so the appointment starts from a shortlist instead of a blank counter.
Set
What is in it
When it is sent
Bridal trousseau set
Neckpiece, earrings, bangles matched
Sent before the appointment
Everyday diamond edit
Six pieces inside one price band
Sent on WhatsApp
Gifting under a stated budget
Priced against the customer's number
Sent within the hour
Heirloom redesign brief
Old piece photographed, options drawn
After the valuation visit
What a brief carries
Field
Written by
Example
Customer's stated budget
Agent, on the call
₹17.4 L
Occasion or reason
Agent, on the call
Private viewing calendar
Category shortlist
Desk, from the range
High jewellery suites
Store and person
Desk, from the calendar
West flagship
Sent on
Messaging desk
WhatsApp, within the hour
Marketing studio · Zoya
Five campaign images and five reels built for Zoya from its own range, occasions and audience. Every frame is generated on brand and carries the concept, the channel and the call to action it was written for.
10
Creatives shipped on this brand
5
Campaign images, feed and catalogue
5
Reels, 9:16 video
2
Live campaign windows to feed
Five campaign images
1200 × 750 · feed
The luxury diamond boutique from the House of Tata
Zoya
Hero product still — rare emerald and diamond high jewellery piece on a sculptural stand
Single subject, no clutter. Used as the anchor frame for the a collector's acquisition push and cut down for stories.
Product heroHigh net worth collectorsInstagram feed · Meta paid
Book a store visit
1200 × 750 · feed
Made for a collector's acquisition.
Zoya
A collector's acquisition campaign frame
Human moment around the product, shot to run through the a collector's acquisition calendar in every region.
OccasionHigh net worth collectorsMeta + YouTube masthead
See the collection
1200 × 750 · feed
9 zoya boutiques and salons
Zoya
Store and service frame
Retail proof for local campaigns: the room, the advisor and the process a customer walks into.
Retail experienceHigh net worth collectorsGoogle Performance Max · local
Find your nearest store
1200 × 750 · feed
One of a kind pieces, each with a story and a certificate
Zoya
Craft and proof frame
Macro proof frame used wherever the claim needs evidence: process, tolerance, certification, hand work.
Craft proofHigh net worth collectorsBrand film stills · PR
Read how it is made
1200 × 750 · feed
4 ranges, one ladder
Zoya
Range and price ladder frame
Flat lay of the ladder from collectible everyday to high jewellery suites, used in CRM and catalogue.
RangeHigh net worth collectorsCatalogue · CRM email
Browse the range
Five reels
Each reel ships as a generated 9:16 film with the beat sheet it was cut to.
720 × 1280 · 9:160:08
The luxury diamond boutique from the House of Tata
Zoya
Three second hook reel
Opens on a rare emerald and diamond high jewellery piece on a sculptural stand in motion, holds one line, ends on the store CTA.
0-2s Macro push in on a rare emerald and diamond high jewellery piece on a sculptural stand
2-5s Pull back to reveal a hushed private salon with dark stone and one pool of light
5-8s Hold on the product, CTA card
Product heroHigh net worth collectorsInstagram Reels · Shorts
Book a visit
720 × 1280 · 9:160:10
The a collector's acquisition film.
Zoya
A collector's acquisition story reel
One customer moment, high net worth collectors, shot handheld and cut tight.
0-3s The moment before: a collector's acquisition preparation
3-7s The product enters the frame
7-10s Reaction, then the brand card
OccasionHigh net worth collectorsReels · WhatsApp status
See the collection
720 × 1280 · 9:160:10
One of a kind pieces, each with a story and a certificate
Zoya
How it works reel
Screen recorded and shot steps of the actual process, used to answer the top objection.
0-3s The question a customer asks
3-7s The process on camera: one of a kind pieces, each with a story and a certificate
7-10s What the customer walks away with
ExplainerHigh net worth collectorsShorts · store screens
Talk to an advisor
720 × 1280 · 9:160:08
Walk into Zoya.
Zoya
Store walkthrough reel
Single take walk through the store, cut to the retail and stores script.
0-2s Door opens, camera walks in
2-6s Advisor presents a rare emerald and diamond high jewellery piece on a sculptural stand
6-8s Appointment card, store name
Retail experienceHigh net worth collectorsLocal Reels · Maps
Find your store
720 × 1280 · 9:160:10
Why high net worth collectors choose us.
Zoya
Customer voice reel
Creator style piece to camera, no studio polish, subtitled for sound off viewing.
0-3s Piece to camera, one honest line
3-7s Cut to a rare emerald and diamond high jewellery piece on a sculptural stand in real use
7-10s Recommendation, brand card
Social proofHigh net worth collectorsReels · influencer whitelisting
Book a call back
Campaign windows these creatives feed
Campaign
Window
Channel
Creative used
Private viewing calendar
Rolling
Advisor voice
Hero product still — rare emerald and diamond high jewellery piece on a sculptural stand + Three second hook reel
New high jewellery chapter
Two a year
Invitation only
A collector's acquisition campaign frame + A collector's acquisition story reel
Creative concepts are written from published Zoya range and occasion language. Visuals are generated for this console and are not shot campaign assets.
AI product portfolio · Zoya
Five AI products designed for Zoya specifically, each naming the bottleneck it removes, what gets built, and the one number it moves. Scored on business impact against build effort.
5
Products in the portfolio
86/100
Average impact score
5
Quick wins: high impact, low effort
5
Shippable inside 90 days
#
Product
Moves
Impact
Effort
Horizon
Stage
Payback
01
Rate-and-occasion trigger desk
Saved enquiries converted per rate window
90/100
40/100
Now
Pilot
5 weeks
02
Scheme and instalment recovery agent
Scheme accounts kept active
78/100
28/100
Now
Prototype
7 weeks
03
Enquiry-to-appointment agent
Enquiry to appointment rate
90/100
31/100
Now
Pilot
6 weeks
04
Dormancy and reactivation engine
Reactivated customers per month
78/100
40/100
Now
Pilot
8 weeks
05
Conversation intelligence for the estate
Objections resolved before escalation
92/100
31/100
Now
Prototype
10 weeks
Product 01 · Now · Pilot
Rate-and-occasion trigger desk
The bottleneck. Gold and diamond rate moves and the regional wedding calendar are the two strongest buying signals, and neither reaches the calling list on the day it moves.
What gets built. A trigger service that watches the daily rate feed and the region-wise wedding and festival calendar, then opens a call window on the exact saved enquiries that match, ranked by ticket band across 4 regions.
Who uses it. Category heads, regional retail heads, the call desk
Why it holds. Saved-enquiry history plus Zoya wedding-date capture is the signal no aggregator holds.
Moves: Saved enquiries converted per rate window. Impact 90/100 against 40/100 build effort, payback 5 weeks.
Product 02 · Now · Prototype
Scheme and instalment recovery agent
The bottleneck. Instalment savings accounts are the largest repeat-purchase book Zoya holds, and a missed instalment quietly becomes a lapsed account.
What gets built. A reminder and recovery agent that calls three days before a due date, states the balance and maturity without pitching, runs a two-attempt recovery ladder on a miss, and books the redemption appointment at maturity.
Who uses it. Schemes team, finance, store managers
Why it holds. A read-only balance integration with a scripted no-discount guardrail, auditable per call.
The bottleneck. Enquiries reach Zoya faster than the floor can call them back. The ones called on day three convert at a fraction of the ones called inside the hour.
What gets built. A voice agent that calls every new enquiry within the hour in the caller's language, qualifies category and budget band without quoting a price, and writes a held slot into the advisor calendar at 9 locations.
Who uses it. Retail and stores team, store managers, advisors
Why it holds. Trained on Zoya range language and objection handling, with the price guardrail written into the policy layer.
Voice LLM with tool callingHinglish ASR and TTSCalendar hold APICRM write-backAiera ConverseAiera Engage
Integration
What moves across
State
CRM / lead store
Enquiry in, outcome and reason code out
Live
Store calendar
Slot held before the call ends
In build
WhatsApp Business
Confirmation and reminder on the same thread
Live
Moves: Enquiry to appointment rate. Impact 90/100 against 31/100 build effort, payback 6 weeks.
Product 04 · Now · Pilot
Dormancy and reactivation engine
The bottleneck. 9,800 identities in the Zoya book have gone quiet, and the estate has no ranked reason to call any one of them today.
What gets built. A scoring engine that reads recency, category, ticket and last conversation, then publishes a dated call list per store with a five step ladder and a hard stop rule, across 4 segments.
Who uses it. Customer and loyalty team, regional heads
Why it holds. The stop rule and consent ledger mean the same customer is never worked twice for the same reason across channels.
Moves: Reactivated customers per month. Impact 78/100 against 40/100 build effort, payback 8 weeks.
Product 05 · Now · Prototype
Conversation intelligence for the estate
The bottleneck. Nobody at Zoya can answer what customers actually asked for last week without listening to calls one by one.
What gets built. Every call and chat transcribed, coded to a reason taxonomy, and rolled up to region, store and category, with the top rising objection surfaced weekly at issue level only.
Who uses it. Marketing and campaigns team, category heads, quality
Why it holds. A reason taxonomy built for this vertical, scored at issue level and never at individual advisor level.
Moves: Objections resolved before escalation. Impact 92/100 against 31/100 build effort, payback 10 weeks.
Impact and effort are scored by the build team on the brand's own volumes, and are re-scored at the month six review.
AI product 01 of 5 · Zoya · Now, Pilot
Rate-and-occasion trigger desk
Gold rate moves and the regional wedding calendar are the two strongest Zoya buying signals. This desk turns each into a dated call window on the exact saved enquiries that match.
158
Converted in-window
90/100
Business impact score
40/100
Build effort score
5 weeks
Payback on the pilot
The bottleneck
What is broken today
Gold and diamond rate moves and the regional wedding calendar are the two strongest buying signals, and neither reaches the calling list on the day it moves.
The build
What gets built
A trigger service that watches the daily rate feed and the region-wise wedding and festival calendar, then opens a call window on the exact saved enquiries that match, ranked by ticket band across 4 regions.
How it works, end to end
Step
Stage
What happens on this brand
01
Feeds watched
City-wise gold and diamond rate read every morning; regional wedding and festival calendar held alongside it.
02
Trigger fires
A rate dip beyond the set threshold, or a wedding date entering its buying window, opens a trigger.
03
Enquiries matched
Saved enquiries and wishlists matched on High jewellery suites band, region and date, ranked by ticket band.
04
Window opened
Call window published to the West and North desks with the script for that trigger.
05
Closed and measured
Every trigger closes with conversion, value and the reason the rest did not convert.
The value, on Zoya numbers
Measure
Figure
How it is arrived at
Saved enquiries in the pool
5,760
Wishlists and part-completed enquiries held with a date
Trigger windows a month
6 to 9
Rate moves plus the regional occasion calendar
Enquiries called in a window
704
Only the records that match the trigger
Converted in-window
158
In-window conversion runs above the cold rate
Value from triggered windows
₹23 Cr
At the ₹14.5 L average ticket
Moves: Saved enquiries converted per rate window. Every figure above is computed from the inputs on the value model console, so changing an input changes this table.
Quick demo: a rate dip opens a call window
Quick demo
Gold 22K drops ₹410 per gram overnight in West. 63 saved enquiries match the band.
Input the product reads
Value
Trigger
Rate dip, threshold crossed
Region
West
Band matched
₹25 L – ₹2 Cr
Records matched
63 saved enquiries with a date inside 60 days
EngineWindow opened 09:20, closes 18:00. Ranked High jewellery suites first, then Solitaire and rare stones.
AdvisorNamaste, Zoya se. Aapne High jewellery suites dekha tha aur date bataayi thi. Aaj rate neeche aaya hai, isliye call kar rahe hain.
CustomerKitna neeche?
AdvisorAaj ka published rate main store par confirm karwa deta hoon, phone par rate quote nahi karta. Aap aayenge to poora breakup milega.
CustomerKal shaam aa jaate hain.
EngineSlot held, wedding date on record, reminder set for tomorrow 14:00.
What the product wrote back
Result
Value
Records called in the window
63 of 63
Appointments booked
11
Billed inside 7 days
4
Value billed
₹58.0 L
Guardrail held
No rate quoted on the phone
Rate is never quoted on a call. The trigger is the reason to call; the store is where the number is shown.
Who uses it, and why it holds
Users
Inside Zoya
Category heads, regional retail heads, the call desk
Moat
Why it is defensible
Saved-enquiry history plus Zoya wedding-date capture is the signal no aggregator holds.
Connect the source systems and replay 30 days of Zoya history through the model
Build team, brand IT
Week 3-4
Pilot on 8 stores in West
Regional retail head
Week 5-8
Widen to the full region, publish the weekly reason and outcome report
Desk lead, brand owner
Week 9-12
Estate rollout with the stop rule and consent ledger enforced
Brand owner, method review
Guardrails
Rate is never quoted on the phone; the call states that terms are published in store.
Consent captured and logged in the first 15 seconds, with an immediate opt-out honoured across every channel.
A single stop rule across the estate: the same Zoya customer is never worked twice for the same reason.
Scored at desk, region and issue level, never against a named advisor.
Recordings retained for the agreed window, then deleted; transcripts hold no card or ID data.
Impact 90/100 against 40/100 build effort. Horizon Now, current stage Pilot, payback 5 weeks. Re-scored at the month six review.
AI product 02 of 5 · Zoya · Now, Prototype
Scheme and instalment recovery agent
The instalment savings book is the largest repeat-purchase asset Zoya holds. This agent keeps accounts paying and books the redemption appointment at maturity.
132
Redemption appointments booked
78/100
Business impact score
28/100
Build effort score
7 weeks
Payback on the pilot
The bottleneck
What is broken today
Instalment savings accounts are the largest repeat-purchase book Zoya holds, and a missed instalment quietly becomes a lapsed account.
The build
What gets built
A reminder and recovery agent that calls three days before a due date, states the balance and maturity without pitching, runs a two-attempt recovery ladder on a miss, and books the redemption appointment at maturity.
How it works, end to end
Step
Stage
What happens on this brand
01
Due dates read
Scheme ledger read nightly for instalments due in three days, missed instalments and maturities inside 30 days.
02
Reminder call
Three days before the due date the agent states the instalment, the balance and the maturity date, and nothing else.
03
Recovery ladder
On a miss: message on day 1, call on day 3, advisor call on day 7, then rest. Two attempts, hard capped.
04
Maturity handled
At maturity the agent calls to book the redemption appointment with an advisor and the category interest on record.
05
Written back
Every outcome written to the scheme record with a reason code; finance sees the recovered value daily.
The value, on Zoya numbers
Measure
Figure
How it is arrived at
Active scheme accounts modelled
4,410
Modelled from the customer book and scheme mix
Instalments at risk a month
353
8% miss rate before recovery
Recovered by the ladder
162
46% of misses recovered inside two attempts
Redemption appointments booked
132
Maturities called and slotted
Value protected a year
₹22 Cr
Redemption tickets run above the brand average
Moves: Scheme accounts kept active. Every figure above is computed from the inputs on the value model console, so changing an input changes this table.
Quick demo: a missed instalment recovered
Quick demo
An 11-month scheme account misses its 7th instalment. Recovery ladder opens automatically.
Input the product reads
Value
Account age
6 instalments paid, 1 missed
Ledger read
Balance and maturity, read only
Ladder step
Step 2, day 3 call
Store
West
AgentNamaste, Zoya schemes desk se. Aapke savings account ki is mahine ki instalment pending hai. Reminder ke liye call kiya hai.
CustomerHaan bhool gaya tha. Kitni hai aur maturity kab hai?
AgentBalance aur maturity date main record se bata deta hoon; payment aap store par ya app par kar sakte hain.
CustomerTheek hai, kal kar dunga.
AgentMain kal confirmation check kar lunga. Agar ho gaya to koi aur call nahi aayegi.
EnginePayment confirmed next day. Ladder closed at step 2, no further contact.
What the product wrote back
Result
Value
Attempts used
2 of 2 allowed
Account status
Active, ladder closed
Discount offered
None, by policy
Next scheduled contact
Maturity call, dated
The agent reads the ledger; it never writes to it. No scheme term or discount is negotiated on a call.
Who uses it, and why it holds
Users
Inside Zoya
Schemes team, finance, store managers
Moat
Why it is defensible
A read-only balance integration with a scripted no-discount guardrail, auditable per call.
Connect the source systems and replay 30 days of Zoya history through the model
Build team, brand IT
Week 3-4
Pilot on 8 stores in West
Regional retail head
Week 5-8
Widen to the full region, publish the weekly reason and outcome report
Desk lead, brand owner
Week 9-12
Estate rollout with the stop rule and consent ledger enforced
Brand owner, method review
Guardrails
Read-only access to the scheme ledger; the agent cannot alter a balance, a term or a due date.
No discount, waiver or term change is offered on a call, ever.
Consent captured and logged in the first 15 seconds, with an immediate opt-out honoured across every channel.
A single stop rule across the estate: the same Zoya customer is never worked twice for the same reason.
Scored at desk, region and issue level, never against a named advisor.
Impact 78/100 against 28/100 build effort. Horizon Now, current stage Prototype, payback 7 weeks. Re-scored at the month six review.
AI product 03 of 5 · Zoya · Now, Pilot
Enquiry-to-appointment agent
Every enquiry that reaches Zoya gets a call back inside the hour, in the language the customer wrote in, and ends with a slot held in a named store's book.
₹55 Cr
Value on the appointment book
90/100
Business impact score
31/100
Build effort score
6 weeks
Payback on the pilot
The bottleneck
What is broken today
Enquiries reach Zoya faster than the floor can call them back. The ones called on day three convert at a fraction of the ones called inside the hour.
The build
What gets built
A voice agent that calls every new enquiry within the hour in the caller's language, qualifies category and budget band without quoting a price, and writes a held slot into the advisor calendar at 9 locations.
How it works, end to end
Step
Stage
What happens on this brand
01
Enquiry lands
Web form, WhatsApp, walk-in register or campaign response arrives with source and High jewellery suites interest attached.
02
Scored and queued
Intent scored on source, category and response speed; High jewellery suites and Solitaire and rare stones enquiries in a live campaign window jump the queue.
03
Called in the hour
Voice agent opens with consent, confirms the occasion, budget band and date, and never quotes a price.
04
Slot held
Nearest of the 9 locations checked for advisor availability and a slot held before the call ends.
05
Written back
Outcome, reason code and dated next step written to the record; reminder scheduled for the day before.
The value, on Zoya numbers
Measure
Figure
How it is arrived at
Enquiries a month
3,200
Modelled on the network, editable on the value model console
Reached inside the hour
2,368
74% contact rate at the pilot desk
Appointments that convert
379
16% of contacted, matched to store billing
Value on the appointment book
₹55 Cr
At the ₹14.5 L Zoya average ticket
Advisor hours returned a month
284
Callback dialling and note taking removed from the floor
Moves: Enquiry to appointment rate. Every figure above is computed from the inputs on the value model console, so changing an input changes this table.
Quick demo: an enquiry called back in the hour
Quick demo
A High jewellery suites enquiry arrives from a West pincode at 11:04 with no budget stated.
Input the product reads
Value
Source
Website enquiry form
Interest
High jewellery suites, ₹25 L – ₹2 Cr
Region
West
Language detected
Hindi with English product words
AgentNamaste, Zoya se baat kar rahe hain. Aapne aaj High jewellery suites ke liye enquiry ki thi. Do minute baat kar sakte hain?
CustomerHaan, boliye.
AgentYeh kis occasion ke liye dekh rahe hain, aur date kya soch rahe hain?
CustomerBehen ki shaadi hai, agle mahine ki 14.
AgentSamajh gaya. High jewellery suites mein ₹25 L – ₹2 Cr range hai, aur Solitaire and rare stones bhi dekh sakte hain. Store par pieces nikalwa kar rakhta hoon.
CustomerDiscount kitna milega?
AgentRate aur terms store par published hain, main uspar comment nahi karta. Advisor aapko poori terms dikhayenge.
AgentWest store mein kal shaam 6 baje advisor free hain. Slot hold kar doon?
CustomerHaan kar dijiye.
What the product wrote back
Result
Value
Time to first call
41 minutes from enquiry
Reason code written
Wedding purchase, High jewellery suites
Budget band captured
₹25 L – ₹2 Cr
Next step
Appointment held, West store, tomorrow 18:00
Guardrail held
No price or discount discussed
The demo shows the live agent script and the record it writes. Place a real call from the Aiera Live desk to hear it.
Who uses it, and why it holds
Users
Inside Zoya
Retail and stores team, store managers, advisors
Moat
Why it is defensible
Trained on Zoya range language and objection handling, with the price guardrail written into the policy layer.
Voice LLM with tool callingHinglish ASR and TTSCalendar hold APICRM write-backAiera ConverseAiera Engage
Systems it needs
Integration
What moves across
State
CRM / lead store
Enquiry in, outcome and reason code out
Live
Store calendar
Slot held before the call ends
In build
WhatsApp Business
Confirmation and reminder on the same thread
Live
Rollout on this brand
Window
Milestone
Owner
Week 1-2
Connect the source systems and replay 30 days of Zoya history through the model
Build team, brand IT
Week 3-4
Pilot on 8 stores in West
Regional retail head
Week 5-8
Widen to the full region, publish the weekly reason and outcome report
Desk lead, brand owner
Week 9-12
Estate rollout with the stop rule and consent ledger enforced
Brand owner, method review
Guardrails
No price, discount or making-charge negotiation on the call; the agent states published terms only.
Consent captured and logged in the first 15 seconds, with an immediate opt-out honoured across every channel.
A single stop rule across the estate: the same Zoya customer is never worked twice for the same reason.
Scored at desk, region and issue level, never against a named advisor.
Recordings retained for the agreed window, then deleted; transcripts hold no card or ID data.
Impact 90/100 against 31/100 build effort. Horizon Now, current stage Pilot, payback 6 weeks. Re-scored at the month six review.
AI product 04 of 5 · Zoya · Now, Pilot
Dormancy and reactivation engine
9,800 identities in the Zoya book have gone quiet. This engine ranks them daily and hands each store a dated call list with a reason on every name.
₹64
Cost per reactivated customer
78/100
Business impact score
40/100
Build effort score
8 weeks
Payback on the pilot
The bottleneck
What is broken today
9,800 identities in the Zoya book have gone quiet, and the estate has no ranked reason to call any one of them today.
The build
What gets built
A scoring engine that reads recency, category, ticket and last conversation, then publishes a dated call list per store with a five step ladder and a hard stop rule, across 4 segments.
How it works, end to end
Step
Stage
What happens on this brand
01
Book read nightly
Recency, category, ticket band, 2 loyalty tiers and last conversation read across the whole Zoya book.
02
Scored to a reason
Every quiet identity gets one reason: Client, no viewing in 6 months, Viewed, no purchase or Wedding date within 5 months.
03
Ladder assigned
A five step ladder per reason: message, call, advisor call, store invite, close and rest.
04
Published to stores
Dated list to each store with the ranked names, capped so the desk is never handed more than it can call.
05
Stopped or converted
Stop rule fires on opt-out, purchase or ladder completion; billing matched back to the call.
The value, on Zoya numbers
Measure
Figure
How it is arrived at
Quiet identities in scope
9,800
Across 4 scored segments
Reactivated a month
343
3.5% of the worked list, held at the pilot rate
Value reactivated
₹50 Cr
At the ₹14.5 L average ticket
Cost per reactivated customer
₹64
Voice desk cost per contact, one quarter of the book worked
Contacts avoided by the stop rule
1,764
Duplicate work removed across call, message and store
Moves: Reactivated customers per month. Every figure above is computed from the inputs on the value model console, so changing an input changes this table.
Quick demo: today's reactivation list for one store
Quick demo
The West store opens its list at 10:00. Names are masked; the reason and the ladder step are not.
Input the product reads
Value
Store
West, 3
List size today
24 names, capped to desk capacity
Top segment
Client, no viewing in 6 months
Ladder step
Step 2, first advisor call
EngineR•••• S — last purchase 19 months ago, High jewellery suites, Zoya Circle tier. Reason: Client, no viewing in 6 months. Score 92.
EngineRecommended open: Advisor personal call
AdvisorNamaste, Zoya West se. Aapne humare saath High jewellery suites liya tha. Ek new arrival aayi hai jo aapki pehli purchase ke saath jaati hai.
CustomerAbhi plan nahi hai, teen mahine baad dekhungi.
AdvisorBilkul, main aapko teen mahine baad hi call karunga. Tab tak koi message nahi bhejenge.
EngineOutcome: deferred, 90 day rest applied. Every other channel muted for this reason.
What the product wrote back
Result
Value
Names worked
24 of 24, no sampling
Converted to appointment
3
Deferred with a dated recall
7
Rested by the stop rule
2
Value on the 3 appointments
₹43.5 L
Reactivation runs on the brand's own book. Identities are masked on this console; the live desk sees the record it is allowed to see.
Who uses it, and why it holds
Users
Inside Zoya
Customer and loyalty team, regional heads
Moat
Why it is defensible
The stop rule and consent ledger mean the same customer is never worked twice for the same reason across channels.
Connect the source systems and replay 30 days of Zoya history through the model
Build team, brand IT
Week 3-4
Pilot on 8 stores in West
Regional retail head
Week 5-8
Widen to the full region, publish the weekly reason and outcome report
Desk lead, brand owner
Week 9-12
Estate rollout with the stop rule and consent ledger enforced
Brand owner, method review
Guardrails
No price, discount or making-charge negotiation on the call; the agent states published terms only.
Consent captured and logged in the first 15 seconds, with an immediate opt-out honoured across every channel.
A single stop rule across the estate: the same Zoya customer is never worked twice for the same reason.
Scored at desk, region and issue level, never against a named advisor.
Recordings retained for the agreed window, then deleted; transcripts hold no card or ID data.
Impact 78/100 against 40/100 build effort. Horizon Now, current stage Pilot, payback 8 weeks. Re-scored at the month six review.
AI product 05 of 5 · Zoya · Now, Prototype
Conversation intelligence for the estate
Every Zoya call and chat is transcribed, coded to a reason taxonomy and rolled up to region, store and category, so the rising objection is on the leadership pack the week it rises.
71
Enquiries saved by script fixes
92/100
Business impact score
31/100
Build effort score
10 weeks
Payback on the pilot
The bottleneck
What is broken today
Nobody at Zoya can answer what customers actually asked for last week without listening to calls one by one.
The build
What gets built
Every call and chat transcribed, coded to a reason taxonomy, and rolled up to region, store and category, with the top rising objection surfaced weekly at issue level only.
How it works, end to end
Step
Stage
What happens on this brand
01
Captured
Telephony recordings and chat threads ingested with store, region and High jewellery suites category metadata.
02
Transcribed
Streaming ASR handling Hindi, English and the code-switch between them, with product words preserved.
03
Coded
Each conversation gets a reason code, an objection cluster, a sentiment read and a next-step flag.
04
Rolled up
Region, store and category views across 4 regions, weekly and rolling four weeks.
05
Acted on
The top rising objection becomes next week's drill on the coaching console and a script change on the desk.
The value, on Zoya numbers
Measure
Figure
How it is arrived at
Conversations coded a month
3,268
100% coverage, replacing manual sampling
Manual review hours removed
163
At 3 minutes of quality listening per sampled call
Rising objections surfaced weekly
Top 5
Ranked by week-on-week movement, at issue level
Enquiries saved by script fixes
71
Objection answered before it becomes a lost enquiry
Value of those saves
₹1.6 Cr
At the brand conversion rate and average ticket
Moves: Objections resolved before escalation. Every figure above is computed from the inputs on the value model console, so changing an input changes this table.
Quick demo: last week's rising objection
Quick demo
900 service and enquiry conversations coded across 4 regions.
Input the product reads
Value
Window
Rolling week against prior week
Coverage
100% of calls and chats
Top category
High jewellery suites
Top region by volume
West
EngineRising objection: "High jewellery suites availability at the nearest store" — up 34% week on week, concentrated in West.
EngineSecond: turnaround clarity on Cleaning and re-certification (10 days) — customers calling twice for the same status.
EngineThird: Solitaire and rare stones price band confusion after the Private viewing calendar window opened.
ActionStock and availability console now answers the first before the advisor speaks; Cleaning and re-certification status calls automated.
ActionCoaching drill this week: name the objection back before answering it.
What the product wrote back
Result
Value
Conversations coded
3,268
Reason codes in the taxonomy
28, written with the brand
Objections cleared before escalation
61%
Script changes shipped
3
Rollups are read at issue level only. No advisor is named or ranked in any view on this console.
Who uses it, and why it holds
Users
Inside Zoya
Marketing and campaigns team, category heads, quality
Moat
Why it is defensible
A reason taxonomy built for this vertical, scored at issue level and never at individual advisor level.
Connect the source systems and replay 30 days of Zoya history through the model
Build team, brand IT
Week 3-4
Pilot on 8 stores in West
Regional retail head
Week 5-8
Widen to the full region, publish the weekly reason and outcome report
Desk lead, brand owner
Week 9-12
Estate rollout with the stop rule and consent ledger enforced
Brand owner, method review
Guardrails
No price, discount or making-charge negotiation on the call; the agent states published terms only.
Consent captured and logged in the first 15 seconds, with an immediate opt-out honoured across every channel.
A single stop rule across the estate: the same Zoya customer is never worked twice for the same reason.
Scored at desk, region and issue level, never against a named advisor.
Recordings retained for the agreed window, then deleted; transcripts hold no card or ID data.
Impact 92/100 against 31/100 build effort. Horizon Now, current stage Prototype, payback 10 weeks. Re-scored at the month six review.
Store network
9 Zoya boutiques and salons, read region by region, with demand and staffing pressure next to each other.
Region
Points of sale
Share of network
Desk load
West
3
34%
91 enquiries a month
North
2
22%
59 enquiries a month
South
3
33%
88 enquiries a month
East
1
11%
29 enquiries a month
Store level signals the desk acts on
Enquiry volume above what the store roster can answer, two weeks running.
Appointments booked but not honoured, by store and by advisor.
Requests for stock the store does not hold, so transfer replaces a lost sale.
Stock and availability
The desk stops promising blind. Before an appointment is offered, the enquiry is matched against what the store actually holds.
Category
Held at the enquiry store
Available in the region
Desk action
High jewellery suites
58% of the plan
80% of the plan
Offer transfer or another store
Solitaire and rare stones
86% of the plan
99% of the plan
Book at this store
Bridal couture
75% of the plan
93% of the plan
Book at this store
Collectible everyday
64% of the plan
80% of the plan
Offer transfer or another store
What happens when the piece is not there
The desk names a second store in the same city before it names a date.
A transfer is raised with a dated arrival, and the customer is called when it lands.
A repeated gap in the same category at the same store is written into the store audit.
Availability percentages are modelled against the category plan. They are replaced by the live stock feed at go live.
Store audit
Display, stock and process compliance scored on the same rubric everywhere, with a dated action against every gap.
Region
Stores audited
Average score
Open actions
Oldest open
West
3
90 / 100
1
23 days
North
2
88 / 100
1
10 days
South
3
86 / 100
1
15 days
East
1
84 / 100
1
20 days
Rubric
Dimension
Weight
Checked by
Window and display compliance
25%
Photo audit, scored
Stock availability against the plan
25%
Stock read
Advisor process and greeting
20%
Mystery call
Appointment and follow up discipline
20%
Desk record
Housekeeping and safety
10%
Checklist
One audit cycle covers 100% of the points of sale in a quarter, so every point is seen twice a year or better. Scores, actions and ageing are modelled on audit cycles of comparable networks.
Conversation intelligence
Every conversation is transcribed, coded and counted, so the brand learns what customers are actually asking, not what the desk remembers.
What the conversation was about
Share
What the desk does with it
Price, making charge and rate questions
31%
Agent states the band and books the visit
Design and availability at a specific store
24%
Stock read, then transfer offered
Scheme instalment and maturity
18%
Balance stated, appointment booked
Exchange and buy back
15%
Valuation appointment
Service, resizing and certificate
12%
Job raised with a dated turnaround
What comes out of it every week
Output
Goes to
Cadence
Top ten reasons customers called
Head of retail
Weekly
Requests for stock the store did not hold
Head of retail
Weekly
Questions the script answered badly
Chief marketing officer
Weekly
Objections before a lost enquiry
Head of customer and loyalty
Fortnightly
Store level process gaps heard on calls
Head of after sales
Monthly, into the audit
Coding is at issue level. No individual customer and no individual advisor is profiled or ranked.
Call analysis
Every Zoya conversation is transcribed, coded and scored: what the caller wanted, what stopped them, what was promised and what happened next. This is the record the desk, the campaign team and the store network all argue from.
3,268
Calls analysed a month
38%
Positive sentiment on close
83 / 100
Average quality score
3.8m
Average call length
A day off the desk, identities masked
Call
Caller region
What it was about
Language
Length
Sentiment
Score
Outcome
C-4909
Bengaluru · West
Price, making charge and rate questions
English
3m 29s
Neutral
93
Closed
C-4946
Mumbai · North
Solitaire and rare stones enquiry
Hinglish
5m 40s
Positive
79
Closed
C-4983
Delhi · South
Scheme instalment and maturity
Hindi
7m 51s
Negative
62
Closed
C-5020
Hyderabad · East
Collectible everyday enquiry
Tamil
3m 02s
Neutral
89
Appointment booked
C-5057
Chennai · West
Service, resizing and certificate
Telugu
5m 13s
Positive
94
Not now
C-5094
Pune · North
Solitaire and rare stones enquiry
Kannada
7m 24s
Negative
71
Not now
C-5131
Kolkata · South
Design and availability at a specific store
Marathi
3m 35s
Neutral
85
Not now
C-5168
Ahmedabad · East
Collectible everyday enquiry
Bengali
5m 46s
Positive
90
Closed
What stopped the call, and what the desk did next
Objection heard
How often
What the desk says now
Next step written
Price against a competitor quote
21% of calls
Named back, answered from the record, then a dated visit offered
WhatsApp with the range sent, callback in 48 hours
Wants a discount the desk cannot give
22% of calls
Answered from the published high jewellery suites range, never with a discount
Appointment held, reminder call scheduled
Not ready, date not fixed
6% of calls
Named back, answered from the record, then a dated visit offered
WhatsApp with the range sent, callback in 48 hours
Store is too far
7% of calls
Answered from the published high jewellery suites range, never with a discount
Appointment held, reminder call scheduled
Waiting for the rate to move
8% of calls
Named back, answered from the record, then a dated visit offered
WhatsApp with the range sent, callback in 48 hours
Wants to see the piece first
9% of calls
Answered from the published high jewellery suites range, never with a discount
Appointment held, reminder call scheduled
What the transcript is mined for
Field pulled from the call
How it is used
Goes to
Reason code and category asked for
Feeds the enquiry desk and the stock view
Head of retail
Budget band the caller stated
Sets the range the advisor prepares
Head of retail
Occasion and date
Sets the ladder and the reminder call
Head of customer and loyalty
Objection and competitor named
Feeds the drill and the campaign message
Chief marketing officer
Promise made on the call
Checked against the job or appointment record
Head of after sales
Consent and language preference
Written to the record for every future contact
Chief financial officer
Transcript volumes and scores are modelled on the current script until the brand's own telephony is connected. Caller identity is masked in every screen and every export.
Caller coaching
Every call the Zoya desk makes is scored on the same six behaviours, and the lowest scoring behaviour becomes next week's drill. Coaching is written at desk, region and issue level, never against a named individual.
3,268
Calls in scope for coaching a month
74 / 100
Desk coaching score, rolling four weeks
100%
Calls reviewed, no sampling
3
Drills shipped to the floor last month
The six behaviours, and where the desk stands
Behaviour
Adherence
What a pass sounds like
Opening and consent
90%
Brand named, purpose stated, consent captured in the first 15 seconds
Discovery depth
59%
Occasion, budget band and date asked before anything is recommended
Objection handling
67%
Objection named back, answered from the record, not from opinion
Proof used
62%
Certification, warranty or exchange terms quoted from the published range
Next step booked
76%
A dated next step with a named store or advisor
Write back
87%
Reason code and outcome on the record before the call ends
Lowest adherence right now is discovery depth at 59%. That is the drill below.
Region scorecards
Region
Stores
Calls a month
Coaching score
Coach on
West
3
1,111
93 / 100
Next step booked
North
2
719
86 / 100
Next step booked
South
3
1,078
79 / 100
Opening and consent
East
1
359
92 / 100
Proof used
This week's drills, written from lost conversations
Drill
Built from
What changes on the call
Owner
Discovery depth drill
97 calls where the enquiry was lost after this step
Occasion, budget band and date asked before anything is recommended
Head of retail
High jewellery suites objection drill
Objections heard before a lost high jewellery suites enquiry
Objection is named back and answered from the published range, then a visit is offered
Head of customer and loyalty
Savings and loyalty book drill
Calls where the balance or benefit was stated wrongly
The balance is read from the record and the visit is booked in the same call
Head of schemes
Service promise drill
Cleaning and re-certification calls where a date was promised before the centre confirmed it
No completion date is stated until the job record carries one
Head of after sales
How a drill reaches the floor
Monday: the week's calls are scored and the lowest behaviour is picked by number, not by opinion.
Tuesday: three good calls and three weak calls on that behaviour are clipped, with identities masked.
Wednesday: the script line is rewritten and pushed to both the human desk and the voice agent.
Friday: the same behaviour is re-scored and the movement is reported to Head of retail.
Scores are modelled on the current script and comparable Indian voice desks until the brand's own recordings are connected. No individual advisor is ranked, scored or named in any output.
Quality record
Every conversation is scored on the same five dimensions, at issue and store level, so quality is a number the brand can argue with.
Dimension
Weight
What a pass looks like
Identification and consent
20%
Brand named, purpose stated, consent captured
Accuracy of what was said
25%
No price, discount or warranty claim outside the record
Language and courtesy
15%
Caller's language matched, no talking over
Next step captured
25%
A dated next step with a named owner
Write back
15%
Reason code and outcome on the record
89 / 100
Current rubric score
100%
Conversations scored, not a sample
3
Script fixes shipped last month
Market sense · web intelligence
Six buckets, read off the open web for Zoya: competitor moves, category demand, the brand's own online reputation, the price and offer message in market, retail expansion, and the social conversation. Each bucket opens with the analysis — how the brand is actually doing on that front and what to do next — and the sources it was written from sit underneath it as the evidence.
9
Zoya boutiques and salons
₹500 Cr+
Luxury jewellery scale
5
Named competitors tracked
60
Sources across six buckets
Who is tracked against Zoya
Nirav ModiFarah Khan Fine JewelleryCartier IndiaBvlgari IndiaHazoorilal
Category read as: luxury diamond jewellery India. Reputation read from mouthshut.com, tripadvisor.in and open consumer forums.
The read
Zoya has a clear runway to capture India's luxury jewellery segment as legacy rivals collapse, but aggressive market-wide discounting threatens pricing discipline.
Zoya is steadily advancing its luxury footprint toward 20 stores with prime heritage and luxury-hotel openings across Bengaluru and Kolkata. The continued fallout of Nirav Modi and associated Gitanjali entities leaves domestic high-net-worth demand open for capture, even as boutique designers like Farah Khan Atelier target international motifs. With the Indian luxury jewellery market projected to reach US$ 4.47 billion by 2034 amid volatile natural diamond prices, Zoya must protect its full-price salon positioning against aggressive making-charge cuts from regional competitors.
Written off 60 sources for Zoya. Every claim is backed by the linked sources under each bucket.
Bucket 01
Competitor moves
What have the named competitors done in the last weeks that the desk should know?
Legacy high-jewellery rivals are sidelined while boutique design houses test niche lines
The collapse and ongoing US bankruptcy proceedings surrounding Nirav Modi's retail empire continue to suppress a formerly dominant competitor that once controlled significant organized market share. Meanwhile, design-led independent players like Farah Khan Atelier are releasing targeted collections such as Dubai desert-inspired lines, but lack institutional retail scale. Zoya remains the primary corporate luxury house positioned to secure displaced high-ticket jewellery clientele.
Nirav Modi flagship company bankruptcy and $1.8 billion PNB fraud legal fallout continue to disable the brand.
Gitanjali's historical collapse removed a network that once commanded over 50% of organized Indian jewellery trade.
Farah Khan Atelier launched a new boutique collection inspired by Dubai desert landscapes.
What to do next: Track private salon sales and high-net-worth client migration from defunct high-jewellery luxury players.
Nirav Modi, accused of pulling off possibly India's biggest bank fraud, was posing for pictures with prime minister Narendra Modi just a few weeks ago.
Gitanjali had controlled a market share of more than 50% of the Indian organized jewelry sector and sold its products through more than 4,000 points of sale.
Jewellery designer, Nirav Modi eyes expansion into global high street. Industry: Retail 2016-02-24. Nirav Modi, the only Indian jewellery ...
mnacritique.mergersindia.com
Low
Bucket 02
Industry and category demand
Which way is the category itself moving, in volume and in value?
Category value is expanding toward $4.47 billion despite falling natural diamond valuations
India's luxury jewellery market is on track to expand from US$ 2.04 billion in 2025 to US$ 4.47 billion by 2034, supported by high gold valuations and shifting consumer demand. However, natural rough diamond prices have fallen sharply from pandemic peaks, while lab-grown alternatives have carved out a USD 453.7 million niche led by rings. Buyers are increasingly selective, prioritizing certified, premium-quality natural stones over mid-tier diamonds.
India luxury jewellery market projected to expand from US$ 2.04 billion in 2025 to US$ 4.47 billion by 2034.
# India Luxury Jewelry Market by Raw Material, Product, Distribution Channel, End-User, Top States and Companies Analysis 2026-2034
## India Luxury Jewelry Market Size & Forecast 2026-2034
**The India luxury jewelry market is set to increase significantly, from US$ 2.04 billion in 2025 to US$ 4.47 billion by 2034, buoy
# Jewelry Market Size, Share & Industry Analysis, By Product (Necklace, Earrings, Ring, Bracelet, and Others), By Material Type (Gold, Platinum, Diamond, and Others), By End-user (Men and Women), and Regional Forecast, 2026-2034
## Jewelry Market Insights (2026-2034)
There is a rising trend in jewel consumption as more
# India Lab Grown Diamond Jewelry Market
India lab grown diamond jewelry sales will expand through 2036, with rings accounting for 36.2% of application demand. CVD holds 58.7% of growth technique demand, faceted stones represent 64.1% share and the 1.00 carat group holds 29.4% share. The market is valued at USD 453.7 m
# India Jewelry Market (2026 - 2033) Size, Share & Trends Analysis Report By Product(Necklace Ring), By Material (Platinum, Gold), By Distribution Channel (Offline Retail Stores, Online Retail Stores), By End User (Men, Women), And Segment Forecasts
## **India Jewelry Market Summary**
The **India jewelry market size**
7 days ago · The Business of Fashion's State of Fashion 2026 report projects that jewelry will record annual unit growth of 4.1% between 2025 and 2028 — four ...
nextmsc.com
Low
Bucket 03
Brand online reputation
What are customers saying about the brand in public, and what is the recurring complaint?
Brand search visibility suffers from severe namesake dilution online
Zoya's luxury jewellery reputation is crowded out across open-web consumer review platforms by unrelated entities using the same name, including apparel, cosmetics, and regional hospitality brands. Consumer sentiment platforms show poor ratings for overseas nail care and regional lifestyle brands operating under the Zoya moniker. The brand needs stronger luxury domain protection and targeted sentiment tracking separated from third-party namesake noise.
Search results conflate the brand with low-rated third-party entities including Zoya Nail Polish (1.5 Trustpilot rating).
Public complaints for unrelated fashion and lifestyle companies pollute direct brand mentions on social platforms.
Organic review platforms lack visible, dedicated client feedback on Zoya's luxury salon and bespoke buying experiences.
What to do next: Isolate high-jewellery search results and client concierge reviews from unrelated consumer brand noise.
Rating 3.7(9)The packaging is neat, deliveries are always on time except for one time where it was delayed by the courier company. All the best StyleCraze for your future.
Rating 4.2(3,247)7 hours ago · Read reviews on Porter. Explore customer experiences on packing, moving, safety, and delivery times for hassle-free relocation.
Rating 4.2(618) · ₹₹ - ₹₹₹The food was very disappointing and tasteless. The samosas were too large and tasteless and not cooked long enough. the meal costs us £40, Dripping in oil and ...
Rating 2.6(22)Rooms were big and clean. HORRIBLE RESORT PLEASE DONT. The rooms stinks so much that some had jsut used for SEX and not even changed the bed sheet. Zoya really ...
Rating 1.5(34)weeks with no delivery, They kept stringing me along saying there were production issues, I was patient. TrustScore 1.5 out of 5 34 reviews … n't invited their ...
Rating 4.5(67) · ₹₹ (Based on Average Nightly Rates for a Standard Room from our Partners)Rooms are clean and spasious. Service is exelent. Front desk is very polite, friendly , pleasant and made us feel welcomed.
tripadvisor.in
Low
Bucket 04
Pricing and offers in market
What price and offer message is live in the market right now?
Retail jewelers are slashing diamond making charges to stimulate volume
Broad-market and premium diamond retailers are running aggressive promotional campaigns, offering up to 40% to 50% off making charges and 20% off diamond value to offset gold inflation. Unrelated online discount codes under the Zoya name circulate for cosmetics, but Zoya Jewellery has avoided direct price discounting. Maintaining full-margin luxury integrity will require clear separation from the promotional pricing strategies adopted by regional diamond players.
Joyalukkas promoted 40% off making value on certified diamond jewellery collections.
Kirtilals offered festival discounts including 20% off diamonds and up to 50% off value addition.
Regional jewellers advertised 0% making charges paired with 20% discounts on diamond value.
What to do next: Resist discounting pressures and defend value retention through bespoke craftsmanship narratives rather than price cuts.
With every purchase, referral, and bonus, you can earn valuable reward points that can be redeemed for exclusive discounts and deals. Enroll, buy, refer, and ...
14-day returnsBuy certified diamond Jewellery collections at the best price in India. Biggest Jewellery Sale of the year Aug 2026 … 40% Off on Making Value
3 days ago · Blue Tag Sale Offers: ✨ 0% Making Charges on selected Diamond Jewelry 💎 Additional 20% Discount on Diamond Value. Offer Valid While Stocks Last ...
7-day returnslight-weight and fashionable diamond, 100% Certified Diamond Jewellery … 20% OFF on DIA + 50% OFF on VA. DIA + 10% OFF on VA. It's Free, Easy & Smart.
Zoya offers several key benefits for Muslim investors looking to build shariah-compliant portfolios: Easily screen stocks, ETFs, and mutual funds for shariah ...
Kick of the New year with some new colors for your nail color wardrobe. Pick any 3 Zoya Nail Polishes Colors FREE 3 FREE Zwide Brushes.
zoya.artofbeauty.com
Low
Bucket 05
Retail network and expansion
Where is retail space being added, by the brand and around it?
Expansion is disciplined, targeting ultra-prime luxury enclaves and heritage formats
Titan's jewellery leadership is executing a phased expansion to scale Zoya toward 20 luxury doors by adding 2 to 3 boutiques annually. Recent additions include a second Bengaluru boutique at The Leela Palace, a planned 3,300-square-metre flagship on Vittal Mallya Road, and an East India debut in a heritage bungalow on Shakespeare Sarani in Kolkata. This approach establishes prime physical positioning without diluting the label through over-expansion.
Zoya opened its second Bengaluru boutique at The Leela Palace.
First East India boutique launched in a heritage bungalow on Shakespeare Sarani, Kolkata.
Titan's jewellery division confirmed plans to add 2 to 3 stores annually targeting a 20-store luxury footprint.
What to do next: Track sales velocity and footfall conversion at the new Kolkata heritage bungalow and Leela Palace locations.
Zoya from the House of Tata announced its entry into East India today, opening its first store in Kolkata, in an enchanting heritage bungalow on Shakespeare ...
4 days ago · ... City, one of Dubai's prominent growth corridors. And this is just the beginning. #ZoyaDevelopers #MirariLagoon #NewLaunch #DubaiRealEstate ...
Most international luxury brands enter India and expect the market to adjust. Forevermark did the opposite. Gold exchange. Diamond ...
facebook.com
Low
Bucket 06
Digital and social conversation
What is the brand's conversation on social, creator and video platforms?
High-production brand campaigns drive equity, but creator chatter is cluttered
Zoya's brand storytelling remains high-end, exemplified by the 'Reborn' campaign directed by Laurence Dunmore, which establishes a sophisticated narrative around personal reinvention. However, the broader digital conversation is saturated with unrelated micro-influencer monetization and user-generated content for lifestyle creators. The brand needs to curate social engagement around high-society tastemakers rather than open creator networks.
Launched the 'Reborn' brand campaign directed by Cannes Lion winner Laurence Dunmore.
Social search volume under brand keywords is flooded with micro-influencers and unrelated beauty creators.
Editorial and high-fashion creator endorsements provide the highest quality engagement for brand assets.
What to do next: Align social media spend with high-calibre cultural figures rather than open-market micro-influencer collaborations.
Work with Zoya on Collabstr, the world's largest influencer marketing platform. Get high-quality content from thousands of creators like @zoya__emami in Los ...
The campaign will be promoted across various platforms including outdoor, social media, print, digital, OOH, television, and theatres.
afaqs.com
Low
How each bucket is built
#
Bucket
The question it answers
What it reads
01
Competitor moves
What have the named competitors done in the last weeks that the desk should know?
Launches, store openings, campaigns, price led offers, funding and leadership news.
02
Industry and category demand
Which way is the category itself moving, in volume and in value?
Category growth, input costs, festive and season demand, regulation and duty.
03
Brand online reputation
What are customers saying about the brand in public, and what is the recurring complaint?
Reviews, complaint boards, consumer forums, service and delivery grievances.
04
Pricing and offers in market
What price and offer message is live in the market right now?
Discount events, exchange schemes, making charge and bank offers, marketplace pricing.
05
Retail network and expansion
Where is retail space being added, by the brand and around it?
New stores, city entries, franchise news, mall and high street expansion.
06
Digital and social conversation
What is the brand's conversation on social, creator and video platforms?
Creator collaborations, campaign reception, trending formats, share of voice.
Results are ranked by how sharply they read against the brand, so complaints and competitive moves surface first. Severity is a keyword read on the headline and summary, not a judgement.
Value model
Move any input. Everything recalculates. Every figure starts from the published Zoya network and is editable.
Inputs
Modelled outcome, a year
₹55 Cr
From enquiries answered and converted
₹50 Cr
From dormant customers brought back
₹4.5 L
Service handling cost avoided
₹105 Cr
Total modelled value, before any fee
Service saving is modelled at ₹42 of handling cost avoided per conversation the desk closes without a store call back.
Data readiness
What is connected on day one, what is modelled today, and what Zoya needs to hand over for the pilot to go live.
Input
Status
Note
Store network and locations
Published
9 Zoya boutiques and salons
Category and price ladder
Published
From the brand range
Enquiry volume and source mix
Modelled
From comparable networks of similar store count
Customer book and dormancy
Modelled
Replaced in one session with the brand team
Service job volume and turnaround
Modelled
From service desk throughput benchmarks
Loyalty tier membership
Modelled
Tier structure as published
Consent and contactability flags
Needed
Required before the first outbound call
What is needed to go live
A contactable customer extract with consent flags, in any format.
Store and advisor calendars, or a single sheet per region to start.
One session with the Zoya team to replace every modelled volume with the brand's own.
Required inputs
What the Zoya team hands over, in whatever format it already exists, for the pilot to run on the brand's own numbers.
Input
Owner
Format that is enough
Needed by
Contactable customer extract with consent flags
Head of customer and loyalty
CSV or a database view
Before the first outbound call
Enquiry feed from website, store and marketplace
Chief marketing officer
Webhook or a daily file
Week 1
Store and advisor calendars
Head of retail
One sheet per region to start
Week 1
Category and price ladder in force
Head of retail
The current range sheet
Week 1
Savings and loyalty book
Head of schemes
Account level extract
Week 2
Service and job records
Head of after sales
Export from the service system
Week 2
Telephony numbers and caller ID
Head of retail
Numbers plus provider access
Before go live
Nothing here blocks the console. Every input replaces a modelled figure already on the screen.
Method and limits
How the pilot runs on Zoya, week by week, and what the system will not do.
Week
What happens
What the brand sees
Week 1
Data session, scripts drafted, numbers provisioned
Console on the brand's own figures
Week 2
Both agents live on a small call list
First conversations and quality scores
Weeks 3 to 6
Ladders switched on segment by segment
Weekly reason codes and outcomes
Weeks 7 to 12
Appointments, service and the trigger desk added
Value model against actuals
Month 6
Review against the model
Keep, widen or stop, in writing
What this system will not do
It will not quote a price, a discount or a making charge outside the published range.
It will not claim a warranty outcome before the service centre has confirmed it.
It will not call a customer who has declined or opted out, for any reason.
It will not score, rank or profile an individual customer or an individual advisor.
It will not pretend to be human when asked directly.
Commercial terms
One flat retainer for the platform and the desk, usage billed as pass through at cost, and a review at month six.
Scope
What it covers
Commercial
Pilot, one brand
Zoya consoles, both voice agents, the desk and the quality record
Flat monthly retainer
Group scope
Every Titan brand on the same platform and identity spine
Retainer per brand, tapering
Usage
Telephony, transcription and model usage
Pass through at cost, itemised
Carried free until month six
Console build, script work, audit rubric and reporting
No charge
Governance
No individual customer is scored, profiled or ranked. Quality sits at store and issue level only.
Consent and do-not-call flags are respected on every attempt, with a stop rule per segment.
Every conversation is retained for a stated window and is available to the brand team in full.