Question 1

What is Dhathu?

Accepted Answer

Dhathu is an app that lets you buy, save, and grow digital gold and silver from as little as ₹1. Your metal is stored safely and insured by MMTC-PAMP.

Question 2

Who can use Dhathu?

Accepted Answer

Anyone who is 18 or older, is an Indian resident, and completes a quick KYC with PAN and Aadhaar.

Question 3

Is there a minimum amount?

Accepted Answer

Yes — but it's tiny. You can start with just ₹1.

Question 4

Is Dhathu free to use?

Accepted Answer

Creating an account and using AutoPay is free. You only pay for the gold or silver you buy (plus 3% GST), and making/delivery charges if you order physical coins.

Question 5

How do I buy gold or silver?

Accepted Answer

Open the app, choose gold or silver, enter any amount from ₹1, and pay over UPI. You instantly own that value at the live MMTC-PAMP price.

Question 6

What is AutoPay?

Accepted Answer

AutoPay lets you buy small amounts automatically — daily, weekly, or monthly — over UPI, so saving becomes a habit you don't have to think about.

Question 7

Can I sell anytime?

Accepted Answer

Yes. Sell any quantity at the live market price and withdraw the money to your bank account, usually within 1–2 business days.

Question 8

What are savings goals?

Accepted Answer

Set a target (like ₹50,000 for a festival) and Dhathu calculates how much to save regularly to reach it, then automates it through AutoPay.

Question 9

Where is my gold kept?

Accepted Answer

Your gold and silver are stored as real, physical metal in insured vaults by MMTC-PAMP, India's most trusted precious-metal refinery.

Question 10

Why do I need to complete KYC?

Accepted Answer

KYC (PAN and Aadhaar verification) is required by law to buy gold, and it keeps every account on the platform secure. It's handled by our KYC partner, Cashfree.

Question 11

Is my data safe?

Accepted Answer

Yes. Your data is encrypted, and sensitive details like PAN and Aadhaar are masked across our systems. See our Privacy Policy for details.

Question 12

What if I forget my login?

Accepted Answer

Login is OTP-based on your registered mobile number, so you can always sign in securely with a one-time code.

Question 13

Can I get real gold or silver?

Accepted Answer

Yes. When your holdings are eligible, you can order physical gold and silver coins delivered to your home — paid from your vault balance or directly.

Question 14

How long does delivery take?

Accepted Answer

Orders are usually dispatched within a few business days and delivered based on your location. You'll get a tracking link once it ships.

Question 15

Are coin deliveries insured?

Accepted Answer

Yes, shipments are insured in transit until delivery. Check the package on arrival and report any issue immediately.

Question 16

What charges apply?

Accepted Answer

A 3% GST applies on every gold and silver purchase. Physical coins carry making and delivery charges, always shown before you confirm.

Question 17

Will I pay tax when I sell?

Accepted Answer

TDS and capital-gains tax may apply on sales as per Income Tax rules. Dhathu provides a Capital Gains & Loss report to help with filing. This isn't tax advice — consult a professional.

Question 18

What is the Muhurth feature?

Accepted Answer

Dhathu calculates each day's auspicious Choghadiya windows automatically and reminds you, so you can choose to buy at culturally meaningful, 'Shubh' moments.

Question 19

How do I add a nominee?

Accepted Answer

You can add one nominee in your profile, so your holdings can be passed on smoothly.

Question 20

How do I contact support?

Accepted Answer

Email support@dhathu.in or use the in-app Help section. For unresolved issues, our Grievance Officer is listed on the Grievance Redressal page.

Question 21

How do I delete my account or data?

Accepted Answer

Contact our Grievance Officer to request data deletion. Some records must be kept to meet legal and tax requirements even after closure.

Questions, answered

Getting started

Buying, selling & AutoPay

Storage, safety & KYC

Physical coins & delivery

Charges & taxes

Muhurth & culture

Account & support

Start your gold journey today