999 fineness also known as 24Karat purity

You can purchase gold at Live Gold rates. Buy & Sell prices are quoted based on real-time wholesale prices in the spot market. These are shown on our platform and are updated on real time basis considering the fluctuation in gold rates.

The current GST rates applicable on gold purchase is 3%

The live rate at which you choose to buy will be valid for 4 minutes 30 seconds from the time you click on the option to buy. In case the transaction is not completed within the stipulated time, you will be redirected to the new updated price at which you can restart the transaction.

• No fixed amount of investment
• No fixed tenure
• Flexibility in payments
• Ongoing account/ lifetime validity of account
• Benefit of Price averaging
• Zero storage hassles
• High liquidity
• Easy access via App/Website
• Redemption in Swarnavarsham jewellery (916 purity) and coins (999 purity)

• Can be easily sold

Following options are accepted modes of payment

• Cash 
• Net banking
• Debit/Credit card
• UPI

Buy & Sell prices are quoted based on real-time wholesale prices in the spot market. These are shown on our platform and are updated on real time basis considering the fluctuation in gold rates

You can view your gold balance under My Orders. The value of the holding will be visible as per the current sell price

You can check your returns in your gold holding statement. Returns are calculated by comparing the current value of the gold in the account to the weighted average cost at which is purchased

The gold equivalent to the value of your money less GST is credited in your account instantly once your payment is completed.

No, you can sell your gold only after 24 hours from the time of purchase. Sale by the customer shall be based on the sell rate of the Gold as displayed on the digital gold website and app. (24 hours does not include Sundays and Holidays)

No, there is no limit specified in terms of buying gold. If the purchase amount is 2 lakh or above, the customer is required to declare his/her PAN details.

The gold in your account will be 999 pure.

If you choose to redeem your gold in Swarnavarsham jewellery, then the 999 pure gold will be converted to 916 purity jewellery.

For Swarnavarsham coins there will not be any conversion issue since the coin offered is of 999 purity.

We ensure the authenticity of the account details submitted by the customer via penny drop activity, by which we check the account by crediting Re 1 in the account. On successful confirmation, the sale proceeds will be getting transferred. Funds will be transferred only to the eSwarna account holders bank a/c. (where names mentioned in the Photo ID and Bank a/c must match)

You need to have minimum .5gm gold in your account to redeem in coins/jewellery

A gold ETF is an Exchange Traded Fund that aims to track the domestic physical gold price. They are passive investment instruments that are based on gold prices and invest in gold bullion. Gold funds are a type of mutual funds that directly or indirectly invest in gold reserves. Investments are usually made on stocks of gold producing and distributing syndicates, physical gold, and on stocks of mining companies. Sovereign Gold Bonds are government securities denominated in grams of gold. They are substitutes for holding physical gold. Investors have to pay the issue price in cash and the bonds will be redeemed in cash on maturity. Investors are assured of the market value of gold at the time of maturity and periodical interest. The Bonds bear interest at the rate of 2.50 per cent (fixed rate) per annum on the amount of initial investment. Interest will be credited semi-annually to the bank account of the investor and the last interest will be payable on maturity along with the principal.

Yes, you may check the status of the product redeemed by you

Any value is accepted

Certifying auditor ensures that the interest of our customers is protected and whatever gold the customer is buying is securely stored in safe vault with custodian. We have appointed Vaidya Consultancy Pvt Ltd as our Certifying auditor. Vaidya Consultancy Pvt Ltd ensures that all purchases of gold by customers on the platform are backed up by physical gold bars/coins in the secure vault maintained by the custodian. Periodic Certificates are uploaded on the eSwarna platform to confirm the presence of gold against customer purchases.