The smartest way to save, is to save gold every month.

milliGOLD protects your savings from financial market risks, eroding value of money and your own spending habits.

The estimated accumulation is based on the assumption that gold price appreciates 12% per year. Actual grams accumulated might depend on actual gold prices.

Open Gold Plan Calculator

Why milliGOLD to save gold?

What is milliGOLD and how is it better than the other alternatives like Jewel Shop Chit Schemes, Gold ETF and Digital Gold?

Digital Payments

Every payment you make through the banking channel, is digitally tracked and instantly processed with a GST Bill and is declared to the government through GST Portal. We accept recurring subscription payments through e-Mandates and ad-hoc payments through UPI.

Physical Gold

All payments are converted to 999 physical gold on the same day using MCX Exchange quoted price plus a fixed trade margin. The Gold bars and coins are stored at the MCX Exchange Warehouse in Ahmedabad with warehouse receipts and traceable serial numbers.

Any time Redemption

You can redeem the gold balance in your account, fully or partially, any time, even before the end of the plan period. There are 4 ways to redeem your Gold. See the 4 redemption options here.

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It’s just a 3-step process to get started.

Step 1

Select Amount and Duration

Select an amount that can be automatically debited from your bank account at the beginning of the month. (Min Rs 1000 PM). Whenever you have excess money to save, You can always make additional ad-hoc UPI payments – any amount, any time - over and above your monthly subscription. UPI Payments will be enabled if you have at-least one monthly subscription.

The duration you choose will determine the expiry date of your e-Mandate, after which, if you want to continue saving gold, you have to renew the e-Mandate once again. There is no link between e-Mandate duration and redemption. You can redeem your Gold any time, even when your e-Mandate period is not over.

Step 2

Enter Contact Details

First validate your mobile no with an OTP. Then enter your Name and Email ID to proceed further.

Other profile details like Address, Pincode, Selfie Photo, Bank account details, Nominee details, Account Password etc. are not compulsory to start the plan. But to ensure the safety and security of your account, you need to complete these information at app.milligold.in within 1 month.

Step 3

Authorize e-Mandate online (ECS/SIP)

e-Mandate is an online process similar to ECS and SIP and is managed by NPCI in partnership with all major banks and payment gateways. e-Mandate authorizes your bank to debit your account automatically every month, for a given amount, on a preferred date (Example 5th, 10th etc). For a detailed explainer video on how to authorize e-Mandate, see here. You can cancel the e-Mandate or change the monthly amount and duration any time.