Risk Disclosure

Last updated: 9 October 2026. Please read this before you pay.

• The price of gold and silver goes up and down. You can get back less than you paid.
• The sell rate is different from the buy rate. Selling immediately can realise a loss even if the published market price has not moved much.
• Buy prices include 3% GST. A later sell does not refund that GST as cash.
• SwarnaSakhi is not a bank deposit. It is not covered by DICGC insurance. It is not a mutual fund and it is not regulated as one.
• Swamika Finnovations Private Limited operates the Platform. Augmont Goldtech Private Limited vaults the metal. A delay at the Custodian, at PayU, or at your bank can delay credit or payout.
• Past illustrations on the website, including any sample portfolio, are not a promise of future returns.
• Referral rewards, where shown in the app, are promotional. They are not interest.
• Physical delivery adds making and shipping charges and depends on courier coverage.

Buy only money you can leave in metal. If you need a guaranteed value on a fixed date, this product is not suitable.