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Terms & Conditions
Last updated: 25 Oct 2026 · PMJ GOLD PVT LTD
1. Acceptance of Terms
By accessing the PMJ GOLD PVT LTD platform ("Platform"), you agree to be bound by these Terms & Conditions. If you do not agree, please discontinue use of the Platform. PMJ Gold Pvt Ltd, a company incorporated under the Companies Act, 2013 (CIN: U36911PN2016PTC158456), operates this digital bullion savings platform.
2. Eligibility & Account Security
You must be 18 years or older and a resident of India with a valid PAN to open an account. You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. Report unauthorised access immediately to info@pmjgold.in.
3. Live Pricing, Buying & Selling of Digital Gold/Silver
Rates displayed are derived from international spot prices converted to INR and include a platform markup, making charges (₹750/g for gold, ₹50/g for silver) and 3% GST. GST is charged on every purchase, is paid to the government against your GST invoice, and is not refunded when you sell. The remaining buy-sell spread — currently 6.7% on gold and 6.84% on silver — covers allocated insured vault storage, the trustee and hedging arrangements, platform operations, and payment gateway and handling charges. A sale on the same day therefore returns about ₹9,330 for every ₹10,000 of gold bought, and the price must rise roughly 7.18% before an immediate resale breaks even; digital bullion is a medium to long-term holding, not a daily trading instrument. Rates refresh every 60 seconds and are indicative until an order is confirmed. Buy orders are priced at the rate captured at checkout; sell orders at the prevailing sell rate, which is shown to you before you confirm. Minimum buy/SIP amount is ₹100. Gold credited to your vault is 24K (999.9 purity) and silver is 999 purity. The working of every charge is published on the Fees & Charges page. Payouts for sell transactions are credited to a bank account registered in your own name within 2–5 working days after verification.
4. Redemption, Holding Period & Physical Delivery
Metal credited to your vault becomes redeemable 24 hours after it is credited, which is the time we need to allocate, insure and hedge the underlying. Until it settles it is shown as not yet redeemable on your dashboard and cannot be sold, gifted onward or dispatched. Redemptions worth more than ₹50,000 require your PAN on file and a verified KYC document; payouts are held until both are complete. You may redeem either for cash at the live sell rate, or as physical hallmarked metal from the published denomination catalogue. Physical redemption starts at the smallest stocked denomination (0.5 g Coin / 5 g Coin). Making / minting charges and insured delivery on a physical order are billed separately in rupees and are never deducted from your gold or silver balance; the order dispatches only once those fees are received. Dispatched metal leaves your vault on the delivery date, and insured, tamper-proof delivery typically takes 3–10 working days from dispatch.
5. Corporate & Registered Office
PMJ GOLD PVT LTD — registered office in Phusod, Rajasthan, India. GSTIN: 10AAICP4834A1Z0. Support hours: 10AM – 6PM, Monday to Saturday. Contact: 9162978910 / 9637217758 / 9325247446.