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How It Works

Saving in gold shouldn't need a finance degree

Here's how Dhathu works, start to finish — five simple steps from sign-up to real coins at your door.

01

Sign up & KYC

Enter your mobile number, verify with an OTP, and complete a quick KYC using your PAN and Aadhaar. It's required by law for buying gold, and it keeps your account secure. Most users finish in under five minutes.

9:41

Good evening

Aarav

Muhurth · 6:42 PM

Portfolio value

₹ 48,250

+₹2,140 (4.6%)

Gold · 24K

3.84 g

+2.1%

Silver · .999

142 g

+0.8%

Savings goal · Diwali

₹32,000 of ₹50,000

02

Add money & buy

Choose gold or silver, enter any amount from ₹1, and pay over UPI. You instantly own that value in 24K digital gold or .999 silver at the live MMTC-PAMP price.

9:41

Buy

24K Gold

₹ 7,184 / gram · live

You pay

₹ 500

≈ 0.0696 g gold

₹100
₹500
₹1,000
Amount₹485.44
GST (3%)₹14.56
Total₹500.00
03

Automate (optional)

Turn on AutoPay — daily, weekly, or monthly — to keep buying small amounts automatically. Link it to a savings goal and Dhathu works out exactly how much to save.

9:41

AutoPay

Save on autopilot

Daily

₹ 30 / day

Next debit · Tomorrow, 9:00 AM

Weekly · ₹200
Monthly · ₹1,000
Building a ₹30/day habit grows ≈ ₹11,000 a year in gold.
04

Track & grow

Watch your portfolio and live prices in real time. See your gains, your streak, and your goal progress on the home dashboard.

9:41

Good evening

Aarav

Muhurth · 6:42 PM

Portfolio value

₹ 48,250

+₹2,140 (4.6%)

Gold · 24K

3.84 g

+2.1%

Silver · .999

142 g

+0.8%

Savings goal · Diwali

₹32,000 of ₹50,000

05

Redeem your way

Sell anytime and withdraw to your bank in 1–2 business days, or order real gold & silver coins delivered to your home.

9:41

Redeem

Order real coins

1 g

24K Gold Coin

Insured delivery

₹7,420
5 g

24K Gold Coin

Insured delivery

₹36,800
10 g

.999 Silver Coin

Insured delivery

₹980

Start your gold journey today

Join thousands of Indians saving smarter, one rupee at a time.

Powered by MMTC-PAMP · Payments by Razorpay · KYC by Cashfree