Scheme View

Digi Gold


Thangamayil DIGI GOLD is a Savings Scheme that is exclusively through our Mobile App & Website, where you can easily save gold by paying in digitally through net banking/payment gateways and redeeming it at maturity from any of our showrooms or even through our website.

Save securely through our user-friendly Thangamayil Digi Gold mobile application.

Salient Features & Benefits

  • Users can save any amount in Gold at prevailing market prices on the date of their payments.
  • The duration of Digi Gold scheme is 330 days.
  • Customers can save gold
  • Anytime
  • Any number of times
  • Any amount (Rs. 100 or multiples of Rs.100)
  • Saved gold can be redeemed with full benefit after 331 days from the date of enrolment.
  • Digi Gold also allows users to redeem their saved gold partially.
  • Register and Pay instantly, through a fully digital e-KYC verified process (no physical document required).


Customer will get the following additional benefits

  • 5% Additional benefit on saved weight for gold saved during 1st to 75th days from the date of enrolment.
  • 3.75% Additional benefit on saved weight for gold saved during 76th to 150th days from the date of enrolment.
  • 2% Additional benefit on saved weight for gold saved during 151st to 225th days from the date of enrolment.
  • 0.75% Additional benefit on saved weight for gold saved during 226th to 300th days from the date of enrolment
  • Additional benefits will be added to the customer account on Maturity Date and eligible for redemption only thereafter.

Terms & Conditions

  • All jewelry purchased under “Digi Gold” is subject to wastage charges, making charges, hallmark charges, GST & other government levies and other charges (if any) as applicable at the time of delivery of goods will be borne by the customer
  • Customer should bring their registered mobile & provide OTP for full or partial redemption, without which redemption shall be denied.
  • Those customers who choose for pre-closure on or before 330 days will not be eligible for any benefits and can redeem the accumulated gold (saved gold) without any benefits.
  • In case the Customer does not redeem within 360 days from the date of the first investment, Thangamayil Jewellery Limited will be refunded with the aggregate amount invested through online bank transfer/ Cheque to the registered address of the customer given at the time of enrolment and no cash refund shall be permissible.
  • The Customer investing beyond Rs. 1.75 Lakhs will be required to submit the PAN as per the prevailing Income Tax Regulations. PAN copy is required at the time of redemption beyond 2 lakhs on the aggregate amount under applicable Law.
  • Thangamayil Jewellery Limited may revise these Terms at any time. Such changes shall be effective when posted on the Thangamayil Digi Gold App. If you do not agree to be bound by these Terms and Conditions of Access and Use, as modified from time to time, you may leave the Thangamayil’s Digi Gold App.
  • Any dispute, controversy or claim arising out of, or in relation to, above terms and conditions, including the validity, invalidity, breach or termination thereof, shall be resolved as per the Chamber Arbitration Tribunal (ChaAT) Rules, 2007 through Chamber Arbitration Tribunal-ChaAT, at Madurai, is governed by the TamilNadu Chamber Foundation, installed by TamilNadu Chamber of Commerce & Industry.
  • Thangamayil Jewellery Limited reserves every right over the terms and conditions of this scheme and reserves the right to change the conditions at any time.


  • Digi Gold allows you to save and purchase gold at our stores & online Gold using your Thangamayil App for as low as Rs.100
  • You may purchase Gold 24 hours a day, 7 days a week, 365 days a year, including public and bank holidays
  • You will be able to see the prevailing market rate of Gold, real time on Thangamayil App platforms including website, mobile application etc. in order to make your decision.
  • The minimum amount of purchase is 100. There is no limit on the maximum investment amount as long as KYC requirements are complied with.
  • Yes, there is lock-in period of 330 days from the date of enrollment .
  • Following are the benefits of this Digi Gold.
Days Benefit
1 to 75 days from the date of enrollment Discount of 5% on saved weight
76 to 150 days from the date of enrollment Discount of 3.75% on saved weight
151 to 225 days from the date of enrollment Discount of 2% on saved weight
226 to 300 days from the date of enrolment Discount of 0.75% on saved weight
  • The amount will be converted into 22kt gold at the prevailing boardrate in the account immediately.
  • Accumulated weight can be redeemed only through purchase of gold ornaments and gold coins.
  • An online statement will be available at all times which you can view online by clicking on Transaction History link.
  • Yes, absolutely! Once you have accumulated a Gold Gram of Digital Gold, you are then eligible to take physical delivery.
  • You can buy anytime you want but you can only redeem after 48 hours have elapsed since your purchase.
  • An invoice will be sent to you by SMS/Email after each transaction. It will also be available in the My Order’s section on the customers dashboard.
  • You can request delivery for all or part of your gold holding. You can select the quantity and denomination of the gold you wish to withdraw from the available options of gold ornaments and coins. You must confirm the transaction by paying the additional making and delivery charge. Gold ornaments and Coins will be purchase and delivered at our stores or to their doorstep of your notified address by a logistics provider arranged by Thangamayil Jewellery Limited, and you will receive a confirmation on your registered mobile number.
  • Yes, Wastage and making charges, hallmarking charges, other charges and GST is applicable in this plan.
  • All our Gold Jewellery and Gold coins are hallmarked to certify purity and delivered in tamper-proof packaging and are dispatched directly from our premises. The Gold jewellery and Gold coins are also insured through transit and checked before delivery to avoid any risk of fraud. However, in case of any discrepancy, please get in touch with our customer service centre.
  • A PAN card is usually not mandatory. However, in case the investment amount exceeds Rs. 2,00,000/- anytime during the tenure of the plan.
  • You can purchase only Gold, Silver, diamond, platinum and Gold coin in this plan. No Cash refunds will be provided.