Digital gold is a new age investment instrument that allows you to invest in 24k 999 pure physical gold. It is real gold which is just securely stored in insured vaults for you. For all your digital gold, same amount of physical gold is purchased and securely stored.

Digital Gold facilitates the purchase of physical bullion (i.e. bars of Gold) for as low as Rs.100 with the ease of online access. The customer can request for the delivery of Gold purchased from TruGold anytime they want in the form of coins and it will be delivered at your doorstep. Customers can also sell the bullion (bought from us) in a secured and convenient manner back to us.

TruGold offers 24 Karat Gold of 999 purity (99.9% pure).

The minimum amount of purchase is 100. There is no limit on the maximum amount as long as KYC requirements are complied with.

The gold purchased on behalf of the customer shall be stored with a reputed custodian on a consolidated basis i.e. daily purchase across all the customers. An independent auditor/ trustee will confirm the balances with the custodian each quarter and reconcile the amounts with customer balances.

Yes, the gold associated with the accumulations credited in your account is kept in safe custody with a Custodian in accordance with the terms of the offer mentioned in the product brochure. Only reputed firms such as Sequel Logistics will be used as a custodian.

There is no benchmark for comparing the price of Gold. MCX cannot be considered as a benchmark, since there are many differences between retail Gold and MCX. MCX gives the prices of a futures contract which doesn’t give the landed prices by factoring in cost of logistics, insurance, safekeeping, etc. MCX also does not include pan India delivery, and based on the contract it gives delivery at only a few locations like Mumbai, Ahmedabad, Delhi, etc. Gold cost also includes the cost of storage, insurance, trustee fees and gives you the landed complete price of Gold. Also the gold price quoted in newspapers and on various websites is the wholesale price in multiples of 1kg of gold. Retail Gold price is valid for fractional grams and therefore is not directly comparable.

When you sell your gold, you’ll receive funds against it in a UPI account. You can add your account details prior to the sale.

No, there are no additional charges. You can sell back at the market prices which are displayed on a real- time basis.

Under a comprehensive insurance contract, a top insurance firm insures the physical gold housed in vaults. Our insurance also covers the gold that is in transit at the time of delivery.

Yes, TruGold is 100% safe. We use UPI autopay by NPCI & follow all RBI guidelines. Your money is invested in 24K 999 pure gold provided by Augmont, which is NABL and BIS accredited and a member of India Good Delivery standard on NSE, BSE and MCX. All gold is hallmarked by a government-approved hallmarking agency as per the BIS guidelines. This Gold is stored in 100% safe and secured in Sequel Vaults monitored by Trustee.

Generally, Gold is bought from international grade bullion from institutional suppliers and sells this to consumers. When customers sell gold back, it gets sold back to institutional participants in the wholesale bullion market, where the buy back rate is lower than the selling rate – this is referred to as the buy-sell spread.

In addition to the buy-sell spread in the commercial bullion market, GST is added to the buy price, but it is not levied on any sell transactions. Further, there are charges incurred on the payment gateway, trustee, insurance and custodian fees which also contribute to the difference in buy and sell price.

All our prices quoted are exclusive of GST and other applicable taxes. The applicable GST is added to the quoted price at the final stage of checkout.

As per the government regulations, it is a statutory requirement and a part of regulatory instructions and compliance that KYC needs to be done for buying any product on the TruGold platform. We want to ensure that we have the correct KYC of the customers to enable us to identify the owners of the gold lying in the vaults with accuracy. It is also advised that proper KYC is updated to prevent any misuse of your gold account. In any case, you will be prompted to provide your PAN details once your buying reaches a certain threshold limit.

It is not mandatory to upload your PAN card, however, you may be prompted to do so if you wish to purchase gold that is worth more than threshold limit.

Kindly do not panic. If your account was debited, it should be automatically reversed in 72 hours or according to your bank guidelines. If you still need help, please contact our customer support team.

A Gold SIP Plan is a systematic savings tool that allows customers to accumulate gold by choosing a fixed instalment amount on a daily/weekly/monthly basis for a selected duration. Customers can accumulate gold and later use it to exchange gold for coin or withdraw on TruGold.

Yes, you can choose more than One Gold SIP Plan by adding individual SIP details for each.

Yes, you can cancel a Gold SIP Plan, post which you will not be charged for the next installment.

If you miss your SIP installment, You wont be charge for missing an SIP.Instead you will be given a grace period of 5 days. In case you don‘t deposit funds within the grace period, then your SIP will be treated as ‘Defaulter’ and your SIP will be terminated. However, the gold accumulated in your SIP shall be available for you.

You can sell the gold back to us and/or receive the value in your bank account. Or you can choose to have coin delivery at your doorstep from gold accumulated.

The gold associated with accumulations in your account is separate from the other assets of the Company. An independent trustee appointed by the Company will act for and on behalf of the customers. The gold purchased by the Company associated with the accumulation in customer accounts is transferred to the Custodian appointed by the Company for the product. When the customer asks for delivery, the requisite quantity of gold will be removed from the Custodian and delivered to the customer through a reputed courier service. Since the Security Trustee has a charge over the gold over other commercial creditors till the time of fulfillment and the gold is separate from the other assets of the Company, any unlikely adverse event happening to Company should not affect the gold associated with the accumulation in your account. Further, the title of the gold clearly rests with the customer and the physical gold stored with the Custodian on account of TruGold customers is not an asset of the Company in any way.