Digi Gold

DIGIGOLD

​DiGiGOLD is a digital GOLD Purchase Plan that allows users to buy gold as often as they want. We will convert your daily payments to Digital GOLD at the prevailing market rate at the time of deposit. 

​DiGiGOLD is a safe and efficient way to invest in GOLD with a minimum initial investment of just ​ ​₹100 , and online payments have NO upper limit. Under this plan, you can maintain your money in digital gold without the risks and hassles of maintaining the physical gold. 

You can convert your digital gold into physical gold anytime by visiting our stores or shopping through our online video shopping service.  

And if you ever wish to hold your gold in your hands, you can convert your digital gold to exquisite Gold, Platinum, Diamond Jewellery or Gold Bars and coins anytime by visiting our stores near you or shop online through our website or video shopping service from the comfort of your home.  

GOLD

  • GOLD is not just a precious metal; it's an integral part of Indian culture and a symbol of wealth passed down through generations.
  • Its stability and high returns have made it a preferred investment option for generations, a testament to its trustworthiness and reliability.  
  • Financial experts suggest an investment portfolio should include a minimum of 10 % of GOLD to strengthen it. 
  • 10 – 20% allocation to GOLD can stabilise a portfolio and ensure good returns over the period we witnessed. 

Save MORE And Earn MORE Benefits

With the Pothys SwrnaMahal ​ ​DiGiGOLD purchase Plan, you will earn an instant GOLD weight bonus whenever you pay. 

The bonus will be calculated on the paid amount multiplied by the bonus percentage applicable to the period mentioned. The bonus rate is applicable based on payment made during the appropriate period/schedule given above. So all payments made up to 75 days are eligible to get a bonus of 7% on payments, all payments made during 76 to 150 days are eligible to get a bonus of 5% on payments, and all payments made during 151 to 225 days are eligible to get a bonus of 3% and beyond 225 days to 300 days eligible to get a bonus of 1%.

For Example: The below table shows the bonus calculation Methodology
No of times paid Total Paid amount Eligible Bonus Rate Bonus Amount Cumulative Paid Amount Cumulative Bonus Amount
0 to 75 days 3 times Rs.10,000 7% Rs.10000 x 7% = Rs.700 10,000 700
76 to 150 days 2 times Rs. 6,000 5% Rs.6000 x 5%= Rs. 300 16,000 1,000
151 to 225 days 4 times Rs. 7,000 3% Rs.7000 x 3%= Rs.210 23,000 1,210
226 to 300 days 5 times Rs. 12,000 1% Rs.12,000 x 1% = Rs.120 35,000 1,330

Note: The instant bonus benefit is redeemable to customers on successful completion of 330 days.

Plan Tenure

The Plan's tenure of 300 days will commence from the date of the user's first payment. During this period, users can save gold as often as they want. At the end of the 300th day, acceptance of advance payment/DiGi GOLD accumulation will be stopped, and the Plan will mature on the 330th day.

Join Now
Download Our App
Download on the App Store Get it on Google Play Store

Frequently Asked Questions

Who is eligible to participate in the DIGIGOLD Plan?

Indians of Indian Origin or Indian Citizens who have attained the age of 18 or above are eligible to enroll in the DIGIGOLD Plan.
A minimum of ​​₹100 is required to enrol in this Plan, and there is no upper limit on online transfers. However, a PAN copy is mandatory at the time of enrolment and redemption for purchase amounts over Rs. 2 Lakhs as per the prevailing income tax regulations.
Yes, we recommend a minimum deposit of Rs. 10,000 is required over ​300 days to witness your gold value appreciation and return. You can monitor your investment performance on our DiGiGOLD app daily.
Your Digital GOLD will be updated in the Pothys Swarna Mahal DiGiGOLD app immediately after making the payment.
Under this plan, members can purchase antique, Bridal, and special items and Diamonds with an ongoing offer.
The member can purchase gold coins by paying die charges and applicable tax.
Yes, there is a minimum 330 Days lock in period to redeem your accumulated gold with Bonus Gold Weight benefits.
Customers who pre-close within 330 days of enrollment can redeem their accumulated gold weight without a bonus weight benefit. However, they can enjoy the ongoing offers available during redemption.
No, a Cash refund will not be permitted under any circumstances, as per government regulations.
Yes, the member will bear GST and any other government levies at the time of invoice.

Promo Code

  1. Single Use Only: all promo codes are valid for one-time use per customer.
  2. Verification: We reserve the right to verify the identity of any customer using a promo code and cancel orders that violate the terms of the promo code.
  3. Abuse Prevention: Any attempt to circumvent the one-time use rule (e.g., by creating multiple accounts) may result in cancellation of the order and/or suspension of the account.
  4. Right to Modify: We reserve the right to cancel or modify promotions at any time.

Terms and conditions.

  1. The DiGiGOLD purchase plan (hereinafter DiGiGOLD or the plan") offered by Pothys SwarnaMahal Private Limited allows customers to accumulate and save gold digitally on a regular basis and redeem it to purchase jewellery with specific discounts, subject to below terms and conditions.
  2. Customers can pay any amount starting from ₹100
  3. Customers can make multiple payments in a single day, and the maximum investment is not restricted during the entire tenure.
  4. The paid amount gets converted into a GOLD weight on the current board rate.
  5. After 330 days, the customer can purchase the accumulated weight in any PSM store.
  6. The customer gets an instant Gold weight bonus based on their invested value and duration mentioned in the benefits slab.
  7. This plan is valid for 330 Days from the first payment made.
  8. This plan can only be redeemed against the purchase of Jewellery or ornaments mentioned in this plan document.
  9. Customers should produce one valid ID proof and PAN Card details at the time of enrollment and redemption.
  10. Partial redemption of accumulated weight is not allowed under any circumstances.
  11. Customers can get full gold weight bonus benefits only after completing 330 days from the date of enrolment.
  12. If a customer wants to preclose before the tenure, they are allowed to do so without the bonus weight benefits.
  13. The tenure cannot be extended under any circumstances.
  14. Gold coins can be purchased under this scheme.
  15. No cash refund will be permitted under any circumstances.
  16. Transfer of ownership is prohibited.
  17. Customers will bear GST and other Government levies at the time of redemption.
  18. No waiver of V.A. under this plan hence the customer has to bear applicable V.A. and Stone charges. are applicable.
  19. Customers can enjoy the prevailing Offers / Discounts applicable while purchasing under this scheme.
  20. No interest is applicable for any advance-paid
  21. Company at its sole discretion can alter, amend, modify, add or delete any or all of the terms and conditions from time to time.
  22. Customisation of jewellery is not allowed under this scheme, customers can choose only from available merchandise during the time of purchase.
  23. Any dispute would be subject to Chennai High Court jurisdiction only.
Join Now