Getting Started
What is ThangamPay Digital Gold?
ThangamPay allows you to buy, sell, and accumulate 24K 99.9% pure physical gold digitally. Every rupee you invest is backed by real physical gold stored in world-class, insured Brinks vaults. You can start with as little as ₹10.
Is my investment safe?
Absolutely. Your gold is stored in high-security, 100% insured vaults managed by Ayyappar Solutions Private Limited. We maintain a 1:1 ratio, meaning for every gram you own digitally, there is a physical gram in the vault assigned to you.
Transactions & SIP
Are there any hidden charges or making charges?
There are no "making charges" (seikooli) or "wastage" (setharam) when you buy or sell digital gold. You pay the live market price + 3% GST (government mandated). Storage in our secure vaults is completely free for the first 5 years.
How does the Daily Micro-SIP work?
Our Micro-SIP feature allows you to save small amounts daily. To comply with bank regulations, we bundle your daily savings into a weekly or monthly UPI AutoPay mandate. This ensures consistent wealth building without the hassle of manual payments every day.
Delivery & Sell Back
Can I get physical delivery of my gold?
Yes! Once you accumulate at least 1 gram of gold, you can request doorstep delivery in the form of certified coins or bars. Minting and delivery charges apply at the time of redemption. We use secured logistics partners like Sequel or BVC for safe delivery.
How soon can I get money after selling?
When you sell your digital gold back to us, the funds are credited directly to your verified bank account. Processing usually takes 24 to 48 working hours depending on your bank's processing cycle.
Account & KYC
Why is PAN and Aadhaar mandatory?
As a fintech platform dealing in precious metals, we follow RBI and Government of India Anti-Money Laundering (AML) guidelines. KYC verification ensures the security of your high-value assets and prevents unauthorized access.