24K Digital Gold

SwarnaSakhi digital gold is 24K gold bought and sold at a live market-linked rate. Augmont Goldtech Private Limited is the custodian. Swamika Finnovations Private Limited operates the app and website and is the merchant of record for your payment.

How a buy works

• You choose an amount of at least ₹100, inclusive of GST, or a quantity in grams.
• The app shows the live rate, grams, and 3% GST before you pay.
• You pay by UPI, card, or another method offered by PayU Payments Private Limited.
• After the payment succeeds, the grams are credited to your locker.

How a sell works

You can sell credited grams at the live sell rate shown in the app. The sell rate is not the same as the buy rate. Proceeds are sent to the bank account you verified during KYC. There is no lock-in that stops a sell after the buy has been credited, other than the time the custodian and your bank need to settle the payout.

A completed buy is not cancelled back to the original payment method. If you want your money back, you sell the metal. Read the Refund and Cancellation Policy.