You can start investing with as little as ₹100. There is no upper limit on investment. Whether you invest ₹100 or ₹1 Crore, you receive the same 24K pure gold at 99.99% purity, stored in the same insured vaults with full transparency.

Yes! AuruM Gold is available to any Indian resident in all 28 states and 8 Union Territories. You can invest and manage your portfolio fully online via our website or mobile app. Physical delivery is available in 18,000+ pin codes across India.

To complete KYC and unlock all features, you need: (1) Aadhaar Card, (2) PAN Card, (3) A selfie photo, (4) Bank account details for fund withdrawal. The entire KYC process is digital — no physical documents or branch visits required. Usually takes 2–5 minutes.

Yes. You can add family member accounts (spouse, children, parents) under the family portfolio feature after completing your own KYC. Each member needs their own KYC documents. Family accounts can be managed from a single dashboard, and you can set automated gold gifting between accounts.

Gold SIP (Systematic Investment Plan) lets you auto-invest a fixed amount in gold every month. You set the amount, date, and frequency — we automatically debit and buy gold at market rates on that day. This averages your purchase price over time (rupee cost averaging), reducing the risk of buying at a high price. Minimum SIP is ₹100/month.

100% yes. Every rupee you invest in digital gold on AuruM is backed 1:1 by physical 24K gold with 99.99% purity. The gold is stored in Brinks India insured vaults, independently audited every quarter by Big4 auditors. Your gold is fully segregated from company assets — if AuruM were to close (which won't happen), your gold would be returned to you.

Gold has historically given 10–18% annual returns in India over the long term. However, gold prices can be volatile in the short term. The returns on our premium KanakA plan (which includes portfolio management strategies) have averaged 20–25% based on past performance. Past performance does not guarantee future returns. We recommend a minimum 3–5 year investment horizon for best results.

Our gold price is derived from the MCX (Multi Commodity Exchange) spot rate for 24K gold, updated every 5 minutes during market hours. We add a small transparent buy-sell spread of 0.5–1.5% to cover operational costs. There are no hidden markups. You can always see the live price on our platform before confirming any transaction.

You can sell your gold instantly, 24/7, 365 days a year — including weekends and public holidays. The sale happens at current market rates. Funds are credited to your registered bank account within T+1 business day (next working day). There are no exit loads, lock-in periods, or penalties for selling at any time.

No, there is absolutely no lock-in period. Your gold is completely liquid — you can buy and sell it any time you want. While we recommend holding gold for the long term (3–5 years) for best returns, you are never required to. Some promotional plans may have a minimum holding period to avail bonus gold — but these are clearly disclosed at the time of purchase.

Digital gold gains are taxed as capital gains. If held for under 3 years: Short-Term Capital Gains (STCG) are taxed at your applicable income tax slab rate. If held for 3+ years: Long-Term Capital Gains (LTCG) are taxed at 20% with indexation benefit. No TDS is deducted on gains. We provide a Form 26AS-compatible annual capital gains statement for your tax filing.

KYC verification typically takes 2–5 minutes for most users if your Aadhaar and PAN details are correct and your selfie is clear. In rare cases where manual review is required, it may take up to 24 hours. You can still browse the platform and set up your investment preferences while KYC is pending.

KYC rejections usually happen due to blurry documents, name mismatch between Aadhaar and PAN, or a poor selfie. You'll receive a detailed rejection reason via email and SMS. Simply log in to your account, go to KYC section, and re-submit with corrected documents. If you need help, contact our KYC support team at kyc@aurum.gold or call 1800-123-4567.

To change your mobile number or email, go to Account Settings → Profile → Edit Contact Details. You'll need to verify both your old and new contact details via OTP. For security, if you've made a recent transaction, there's a 48-hour cooling period before contact details can be changed. Contact support if you've lost access to your old number.

No. As per SEBI and Income Tax regulations, one PAN card can be linked to only one AuruM Gold account. If you accidentally created two accounts, please contact our support team immediately at support@aurum.gold and we'll help you merge them and retain all your gold holdings in one consolidated account.

To delete your account, first sell all your gold holdings and withdraw all funds to your bank account. Then go to Account Settings → Account Management → Close Account. You'll receive a confirmation email with next steps. Account data is retained for 7 years as per SEBI regulations, but your access will be revoked immediately upon closure.

We accept all major payment methods: UPI (GPay, PhonePe, Paytm, BHIM), Net Banking (all major banks), Debit Cards (Visa, Mastercard, RuPay), Credit Cards (Visa, Mastercard — 2% surcharge applies), and NEFT/RTGS for large transfers (₹10 lakh+). All payments are processed securely through Razorpay's PCI-DSS certified gateway.

Absolutely zero hidden charges. We charge a small annual management fee of 0.5% per annum, which is already reflected in the gold price displayed. There are no account maintenance charges, no entry loads, no exit loads, and no charges on regular payouts. The only separate charge is delivery charges if you request physical gold delivery (clearly shown before confirmation).

Payment failures with deductions are very rare and usually auto-resolved within 3–5 business days as banks reverse the amount. If your amount hasn't been refunded in 5 days, please raise a ticket via our Help Center with your transaction ID, date, amount, and bank name. Our payments team resolves such cases within 24 hours.

For KYC-completed accounts: daily investment limit is ₹10 lakh via UPI, ₹50 lakh via Net Banking, and no limit via NEFT/RTGS. For premium KanakA plan members: limits are higher and can be further increased upon request. The limits are in place for regulatory compliance, not to restrict your investments.

Yes. A GST-compliant invoice is automatically generated and emailed to you after every gold purchase. You can also download all invoices from your Account → Transaction History → Download Invoice. The applicable GST rate on gold purchases is 3% (included in the transaction total).

Your investment is protected on multiple levels: (1) Physical gold is 100% insured by Bajaj Allianz, (2) Digital transactions use 256-bit SSL encryption, (3) Two-factor authentication on every login and transaction, (4) Gold is stored in independent vaults, segregated from AuruM's own assets, (5) Quarterly audits by independent auditors, (6) Regulated by SEBI as an Investment Adviser.

Immediately call our 24/7 security hotline: 1800-123-9999. We will freeze your account instantly. Then: (1) Change your password from a safe device, (2) Enable 2FA if not already on, (3) Check recent transactions and report any unauthorized ones. We have a zero-liability policy — if unauthorized access is confirmed, any losses are covered by AuruM's security insurance.

We only share data with entities required for regulatory compliance (SEBI, Income Tax), payment processing (Razorpay), and KYC verification (NSDL/CDSL). We never sell your personal data to advertisers, marketing companies, or any other third parties. You can request a complete copy of your data or deletion under DPDP Act 2023 by emailing privacy@aurum.gold.

2FA is enabled by default on all AuruM Gold accounts. Every login requires OTP verification via your registered mobile number. For enhanced security, you can also link an authenticator app (Google Authenticator / Authy): go to Account Settings → Security → Two-Factor Authentication → Add Authenticator App.

Yes! Once your digital gold holdings reach a minimum of 1 gram, you can request physical delivery. We deliver BIS hallmarked 24K gold coins (1g, 5g, 10g) and bars (50g, 100g) directly to your doorstep. Delivery is available at 18,000+ pin codes across India via insured shipping. Delivery typically takes 5–7 business days.

Delivery charges: 1g coin: ₹150, 5g coin: ₹200, 10g coin: ₹250, 50g bar: ₹500, 100g bar: ₹750. KanakA premium plan members get 2 free deliveries per year. All deliveries include full insurance against loss or damage in transit. Charges are shown before you confirm the delivery request.

Once your delivery is dispatched (usually within 2 business days of order), you'll receive an SMS and email with the Blue Dart tracking number. You can track your delivery on the Blue Dart website or via the AuruM app under Orders → Track Delivery. You'll also receive an SMS update at every delivery milestone.

All our deliveries are fully insured. If your gold is late (beyond 10 business days), contact us at delivery@aurum.gold with your order ID. If you receive damaged gold, take photos immediately, do not sign the acknowledgment, and call us at 1800-123-4567 within 24 hours. We'll arrange a replacement or refund within 5 business days.