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Digital Seva, Aapke Saath

Saving in gold, ten rupees at a time

Families already save in gold. Digital gold lets them do it in small amounts, stored safely, with the option to sell back or take physical delivery later.

Digital gold
E-Government

A familiar habit, without the locker

Gold is how most households in India already save. The problem is the minimum: jewellery requires a lump sum, and making charges take a cut that never comes back.

Digital gold removes the minimum. A customer can buy ten rupees worth today and fifty next week, at the live market rate, with the gold held in an insured vault in their name.

  • Buy from as little as ten rupees
  • Live market rate at purchase
  • Stored in an insured vault
  • Sell back or take delivery
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What you can do

What the customer can do

Saving that fits a daily wage rather than a monthly salary.

Buy any amount

By rupee value or by weight, at the rate showing on screen at that moment.

Secure storage

Gold is held in an insured vault against the customer's name, with no storage charge for the standard period.

Sell back any time

The customer can sell their holding at the live rate and receive the money in their account.

Physical delivery

Accumulated holdings can be converted into coins or bars and delivered, subject to a minimum weight.

How it works

Four steps at the counter

1

Register the customer

Name, mobile number and PAN where required. The account is created in their name, not yours.

2

Show the live rate

The current buy rate is displayed. Nothing is hidden in a spread the customer cannot see.

3

Take the amount

Collect the cash, enter the amount, and the gold is credited to their holding instantly.

4

Hand over the receipt

The receipt shows grams purchased and the rate applied, so the customer has a record.

Why it pays

Why digital gold works at a counter

Matches how people already think

You are not teaching a new idea. Gold as savings is already understood in every household.

Small and repeated

Customers return weekly with small amounts, which builds habit and footfall.

Commission on every purchase

Small per transaction, but the frequency is what makes it worthwhile.

Questions

Digital gold — asked and answered

Yes. Physical gold equal to the purchase is held in an insured vault against the customer's holding, and can be delivered when the minimum weight is reached.

Yes, at the live sell rate. The amount is credited to their registered bank account.

Storage is free for a standard period set by the provider. After that a small charge may apply, which is disclosed at purchase.

A mobile number to start, with PAN required above the threshold set by the provider. The panel prompts when it is needed.

Also available

Services that pair well with this

Give your customers a way to save

Switch on digital gold from the panel and start with a ten rupee purchase to show how it works.

Open free account