Refund & Cancellation Policy

Gold and silver are priced on a live market, so our refund rules are built around the rate at which you bought and the rate at which the metal comes back.

Cancelling a bill

A sales invoice can be cancelled by Head Office until the stock QR issued on it is redeemed or an instalment has been collected on its contract. On cancellation the stock returns to the branch and the contract, coupons, incentives and QR issued on the bill are reversed. The amount paid is refunded to the mode of payment within 7 working days; cash payments are refunded at the branch.

Online shop orders

An order can be cancelled free of charge until it is dispatched. After dispatch, refuse the parcel and the refund is processed when it reaches us. Gateway refunds reach your account in 5–7 working days.

Gold Saving schemes

Instalments already paid are not refunded in cash during the term; they are settled in gold (or its value) at maturity under the scheme terms. Early closure, where the Company permits it, is settled at the live rate on the closure date without the scheme bonus.

Digi Market

A digital purchase cannot be cancelled once executed at the live rate. Grams can be sold back at any time at the live buy-back rate less the platform fee.

Distributor payments

Scheme amounts paid by a distributor are governed by the scheme contract. Wallet balances are withdrawn in cash at a dealer branch; a withdrawal request can be cancelled until the branch has paid it.

How to ask

Raise a ticket in the app (Support → New ticket) with the invoice number, or contact your branch. Every refund is confirmed by push notification and shows in your app inbox.