SATVIKLIFE.GOLD is a digital bullion investment platform that allows you to invest in gold and silver and convert your accumulated value into physical coins on demand. You can invest in two ways: through a Systematic Investment Plan (SIP) with automated recurring debits, or through a one-time investment of any amount at any time. The value of your investment is calculated using the daily closing price of the gold or silver ETF with which SATVIKLIFE.GOLD invests, and is updated in your portfolio every day. When you are ready to redeem, you choose a product from our carefully curated range and we procure and deliver it directly to you. SATVIKLIFE.GOLD is not a marketplace - every product available for redemption has been individually selected by us based on verified purity and track record.

Any Indian citizen above the age of 18 years with a valid PAN card and a registered Indian mobile number can invest on SATVIKLIFE.GOLD. Minors cannot independently register; a parent or guardian must be the primary account holder where applicable.

SATVIKLIFE.GOLD operates in compliance with applicable Indian laws including the Prevention of Money Laundering Act, 2002 (PMLA) and RBI KYC Master Directions for user verification. Products listed on our platform meet quality and purity standards as specified on each individual product page. Where BIS accreditation for assaying or hallmarking is stated on a product page, it is accurate. All claims are verifiable at the product level.

Our customer care team is available Monday to Saturday, 10:00 AM to 6:00 PM IST, via phone, email, and live chat. For investment-related questions, we also offer scheduled financial discussion sessions where our team walks you through how bullion investing works, SIP mechanics, and how gold or silver may fit into your savings approach. These sessions are informational in nature and do not constitute regulated financial advice.

You are not required to use a SIP. SATVIKLIFE.GOLD supports both investment modes. You can set up a SIP for automated recurring investments at a frequency you choose, or you can invest any amount at any time as a one-time transaction - whenever it suits you, with no obligation of regularity. Both modes start from a minimum of ₹100. You can also use both modes simultaneously; your accumulated value from SIP and one-time investments is held in a single portfolio.

The value of your investment - whether made via SIP or as a one-time transaction - is calculated using the closing price of the gold or silver ETF with which SATVIKLIFE.GOLD has chosen to invest. This ETF price is used as the benchmark for determining the equivalent gold or silver value of your rupee investment. Your portfolio is updated every trading day to reflect the latest ETF closing price, so the rupee value of your holdings moves with the ETF's daily performance.

A Gold or Silver SIP is a recurring investment plan where a fixed rupee amount is automatically debited from your registered bank account or SATVIKLIFE.GOLD wallet at a frequency you choose - daily, weekly, fortnightly, or monthly. Each SIP instalment is priced at the closing price of the relevant ETF on the day of execution. Your investment value for that instalment is locked at that day's ETF closing price. SIP transactions are processed only on trading days; instalments scheduled on market holidays are carried to the next available trading day.

The minimum investment is ₹100, whether you are investing via SIP or as a one-time transaction. For SIP investments, the maximum per instalment is governed by the limits of your chosen payment instrument - ₹1,00,000 per instalment for UPI AutoPay as per NPCI guidelines, or the amount registered on your NACH mandate. For one-time investments, transaction limits set by your bank and the payment gateway apply. You may also set up SIPs in fixed gram quantities, subject to a minimum equivalent value of ₹100 at the time of each execution.

There is no upper limit on how much you can purchase or accumulate on SATVIKLIFE.GOLD, provided your KYC is complete. However, the following statutory requirements apply under Indian law: For transactions of ₹50,000 and above, a valid PAN or Aadhaar must be on record. For transactions of ₹2,00,000 and above in a single transaction, a verified PAN is mandatory under Rule 114B of the Income Tax Rules, 1962 — regardless of payment mode. Transactions above this threshold will not be processed without PAN verification. All transactions on SATVIKLIFE.GOLD are digital; cash payments are not accepted or permitted.

Your investments - whether via SIP or one-time - do not directly purchase coins. They accumulate rupee value tied to the ETF closing price at the time of each transaction. The current value of your holdings is updated every trading day in your portfolio. When you are ready to redeem, you browse our curated product range, select a coin, and place a redemption order. The metal value is drawn from your accumulated balance at the ETF closing price on the day you place your redemption order. You pay only the differential making charge of the coin you have chosen. There are no other hidden conversion costs.

Yes. There are minimum holding thresholds - in terms of accumulated grams or rupee value - below which physical redemption is not possible. These thresholds are based on the minimum coin denomination available in our catalogue. The applicable minimum for each metal is displayed clearly in the redemption section of your account. Please check the current limits before placing a redemption order, as these may be updated based on product catalogue changes.

Yes. You may pause your SIP, modify the amount or frequency, or cancel it entirely at any time through your account dashboard. Changes take effect from the next scheduled instalment. Cancellation does not affect your existing accumulated value - that remains in your account and can be redeemed as physical coins whenever you are ready.

If your account has insufficient funds on the scheduled date, that instalment is skipped. You will be notified via SMS and email. Three or more consecutive failures may result in temporary suspension of your SIP mandate, which can be reactivated from your account settings. No penalty is charged for missed instalments.

Log into your account and go to 'Redeem Physical.' Browse our curated product range and select the coin you wish to receive - options include different denominations from carefully selected brands. Each product page clearly displays purity, weight, hallmarking status, packaging details, and making charges. Your accumulated value covers the metal cost at the ETF closing price on the day of your redemption order. You pay the differential making charge of the selected product, confirm your delivery address, and place the order. Your coin is then procured and dispatched within the timelines shown on the product page. Physical redemption is currently the only way to realise your investment value; direct bank account redemption may be introduced in the future, subject to business and regulatory developments.

When you redeem your accumulated investment as a physical coin, the metal value is drawn from your accumulated balance at the ETF closing price on the day of your redemption order. The making charge (minting/fabrication cost) of the specific coin you select is charged in addition. This making charge varies by denomination, brand, and product type, and is clearly displayed on each product page before you confirm your order. You pay only this differential - there are no other hidden conversion costs.

SATVIKLIFE.GOLD is not a marketplace. Every product available for redemption has been carefully and individually selected by us based on verified purity standards, manufacturing track record, and quality of assaying. Currently, our range includes coins from MMTC-PAMP and other established mints chosen for their documented record in the market. MMTC-PAMP coins are sealed in numbered, tamper-evident blister packaging. Other brands follow their own packaging standards, which are clearly described on their respective product pages. Purity, BIS certification (where applicable), and hallmarking details are stated product-by-product - please review the product page before placing your redemption order.

Gold coins available on SATVIKLIFE.GOLD meet the purity standards stated on their respective product pages, including 999.9 (24-Karat) fineness where specified. Silver coins meet 999 fineness where stated. BIS-accredited assaying and hallmarking is available for products where it is explicitly mentioned on the product page. We sell only from brands with a verifiable, established track record in the market.

Applicable GST (currently 3% on gold and silver) is levied on all purchases as mandated by the Government of India. Delivery and insurance charges for physical coin dispatch are disclosed at the time of your redemption order. There are no account maintenance fees, platform subscription fees, or SIP management fees. All charges are shown to you before you confirm any transaction.

Gold and silver have served as stores of value for millennia and offer several practical benefits for Indian investors. They are a widely recognised hedge against inflation over the long term, tend to hold value during currency depreciation, and provide diversification to a portfolio of financial assets such as equities or fixed income. Gold in particular is treated as a liquid asset globally and is widely accepted as collateral for loans in India. Silver carries additional industrial demand alongside its monetary role. Neither gold nor silver carries counterparty risk - their value does not depend on the financial health of any corporation. That said, both metals are subject to price volatility, and past performance should not be taken as a guarantee of future returns.

Physical jewellery carries making charges of 10–30%, quality deductions on resale, GST, and the risk of impure alloys. Investing on SATVIKLIFE.GOLD carries no making charge during the accumulation phase - making charges apply only when you convert to physical coins. Your investment value tracks the ETF closing price daily and is transparently reflected in your portfolio at all times. Coins available for redemption are from carefully selected brands with verified purity - there is no quality ambiguity at the point of delivery.

SATVIKLIFE.GOLD's quality assurance rests on two pillars. First, we list only coins and bars from market-leading brands with a publicly verifiable record of purity and assaying - we do not list products from unknown or unverified sources. Second, product-level disclosures on each page accurately describe purity, hallmarking status, BIS certification (where applicable), and packaging. MMTC-PAMP coins, for example, are sealed in numbered tamper-evident blister packs with embedded assay cards. Other brands listed on the platform describe their packaging and certification clearly on their respective product pages. You should review the product page before purchasing.

: SATVIKLIFE.GOLD does not currently support a buyback or metal repurchase service. If you wish to sell your physical coins, you would need to do so through other available market channels. We recommend contacting our customer care team (available Monday to Saturday, 10:00 AM – 6:00 PM IST) to check if a buyback facility has been introduced, as this is a service we are evaluating. Our customer care team will advise you on current status at the time of your query.

No. SATVIKLIFE.GOLD's full charge schedule is published on our website and is displayed at every transaction step. To summarise: (1) Physical Premium to derive the Spot price. (2) Making/Minting Charge - the differential making charge of your chosen coin, displayed on the product page. (3) GST - 3% on the transaction value as mandated by law. (4) Delivery and Insurance - disclosed at redemption checkout. There are no platform fees, SIP management fees, or account maintenance charges.

As per current Indian income tax law: gains from selling gold or silver held for less than 24 months are treated as short-term capital gains (STCG) and taxed at your applicable income slab rate. Gains from holdings sold after 24 months are long-term capital gains (LTCG) taxed at 20% with indexation benefit. GST of 3% applies on all purchases. SATVIKLIFE.GOLD provides a complete transaction history for your tax filing needs. We strongly recommend consulting a qualified tax advisor for personalised tax guidance, as tax laws are subject to change.

At present, investment value can only be redeemed through physical bullion coins from our curated product range. Direct cash or bank account redemption is not available currently. We may introduce this option in the future, depending on business developments and applicable regulatory guidelines at that time. We will communicate any such changes to users when they are available.

Yes. You may transfer accumulated investment value to any registered SATVIKLIFE.GOLD user as a gift through the 'Gift' feature in your account. Gift transfers are subject to applicable platform terms. Gift tax provisions under the Income Tax Act, 1961 may apply - please consult a tax advisor regarding your specific situation.