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Save in gold

For as low as rupee

Digital Gold

Presenting eSwarna

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Digital Gold: Buy Gold Online For As Low As Re. 1

eSwarna allows our customers to Save in Gold for quantities they are most comfortable in. The Gold can be bought for an amount as low as Re 1. The money you put into the eSwarna account gets instantly converted into appropriate grams of Gold as per the prevailing market rate.

eSwarna works as a Digital Gold Wallet where your accumulated savings are kept in safe custody at no extra charges. The entire process of Savings in Gold through eSwarna website & mobile app comes with no commitment on tenure & installments, no penalty and no hidden charges. The eSwarna account can be operated as per the convenience of our customers without taking any worries.

The purity of digital gold that you buy with eSwarna is of 999 fineness, also known as 24-karat purity. The required weight or amount is converted to gold at existing rates instantly & you can buy gold online at live gold rates. Our platform gets updated in real-time for online gold purchase based on the fluctuation in gold rates is the best way to invest in gold online.

How eSwarna Digital Gold Works?

eSwarna also offers easy & quick ways to redeem the accumulated Gold against our exciting, pure and trusted range of Gold Coins and Jewellery. Or, it can be sold back to us as per the prevailing market rate.

eSwarna is offered through Muthoot EXIM Pvt Ltd, the precious metal division of Muthoot Pappachan Group.

For those of you who are new to eSwarna, an innovative way for digital gold investment, here’s how it works.

  • Buy: All that you need to do is create an account, enter the grams of gold that you want to buy, and make the payment.

  • Sell: If you decide to sell your gold, you have the option of choosing to sell by amount or weight. Once you select this, you can choose the account to credit and receive the funds. It’s as simple as that.

  • Coin/Jewellery: Choose your jewellery or coin, complete the payment, and collect it from the chosen branch.

Whether you opt for buying or selling gold, you have access to the highest quality of gold and the best digital gold price. Buy and sell gold online the digital way and avail safe storage as well! Besides buying and selling, you can also easily convert your gold into jewellery or coins.

Benefits of eSwarna Digital Gold

Buy Gold for as low as 1

Instant conversion of cash into Gold

Enjoy hassle-free and secured storage at no additional cost

Buy and sell Gold instantly

Facility to transact online

Easily convert your Gold* into jewellery/coins

Why Should You Buy and Sell Digital Gold with eSwarna?

Buy digital gold online at Muthoot FinCorp eSwarna as it is a cost-effective and convenient way of purchasing gold online in fractions of the amount as low as Re 1. Besides buying eGold in India, you can also sell and store gold of 999 purity (24-karat gold) anytime at the existing live gold market price. The digital gold that you buy is stored in safe vaults.

eSwarna Digital Gold is an innovative way to transact in gold and offers a plethora of benefits for those who are considering saving in gold:

  • No Limitations: You can begin your journey of digital gold investment with as low as Re 1. Buy and sell gold online without any restrictions or limitations.

  • Highest Quality Standards: As mentioned earlier, the digital gold that you buy from us has 999 purity (24-karat gold).

  • Redeem As Per Your Needs: You can sell the gold that you buy or even exchange it for coins or jewellery.

  • Safe Storage: The responsibility of ensuring the safety of the digital gold that you purchase lies with us. Your gold is safe with us in secure vaults.

  • Instant Gold Price Updates: Muthoot Fincorp’s digital investment platform is linked with real-time market changes. So, any increase or decrease in gold pricing is almost immediately reflected on our platform. This way, you can get instant updates on digital gold rate.

  • eSwarna digital gold is a simple opportunity for the common man to start saving in gold in small denominations online, without the hassle of safety or storage and create wealth for the future.

Frequently Asked Questions

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 (In Muthoot FinCorp Branches)
  • 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. For more details on Swarnavarsham visit www.muthootexim.com

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

An independent trustee 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 IDBI Trusteeship Service which is a Govt Enterprise as our independent Trustee. We have appointed IDBI Trusteeship Services Limited, a Govt Enterprise, as an independent certifying auditor. IDBI Trusteeship 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.

Muthoot Gold Point Logo

The Muthoot Pappachan Group, with a reputation that has been shaped over decades with high quality practices, total customer satisfaction and steady growth, spanning decades in the field of business, is a legacy built on God-given values of trust, truth, transparency and tradition and has become one of the top business houses today by the grace of God.

3,600 Branches across India

Over 4,200 Branches across India

132 + years of Legacy

134+ years of legacy

Over 24,000 Employees Serving Millions of Customer

Over 30,000 employees serving millions of customer

Walk in of over 1,00,000 Customers Per Day

Walk in of over 1,00,000 customers per day