Frequently Asked Questions

KGF (Karat Gold Finance) is a digital platform that allows you to buy and sell gold and silver in small quantities. You can purchase as little as 0.1 gram of gold or silver, which is stored in secure, insured vaults on your behalf. Your holdings are recorded digitally, and you can view them anytime in your dashboard.

Creating an account is simple:

1. Click on "Sign Up" on our homepage
2. Enter your mobile number and verify with OTP
3. Complete your profile with basic details
4. Complete KYC verification (required for transactions)
5. Start investing!

You need to provide a valid government-issued ID proof (Aadhaar Card, PAN Card, Passport, or Driving License) and a recent passport-size photograph. The verification process is usually completed within 24 hours.

You can start with as little as ₹10! KGF makes gold and silver investments accessible to everyone by allowing fractional purchases. There's no maximum limit either.

After logging in:

1. Select "Buy Gold" or "Buy Silver" from your dashboard
2. Enter the amount (in ₹) or quantity (in grams)
3. Apply coupon codes if you have any
4. Review the order summary including GST
5. Select a payment method and complete the payment
6. Your gold/silver will be credited to your wallet instantly!

We sell 99.9% pure (24K) gold and 99.9% pure silver. All metals are sourced from certified refineries and meet international quality standards. You can be assured of the highest purity when investing with KGF.

Prices are based on real-time market rates and are updated every few seconds during market hours. We source our prices from leading global exchanges. The final price includes any applicable platform fees and GST.

Yes! Once you have accumulated enough metal (minimum 1 gram for gold, 10 grams for silver), you can request physical delivery. The metal will be delivered to your registered address as certified coins or bars. Additional delivery and manufacturing charges apply.

We accept multiple payment methods:

• CashFree: UPI, Credit Card, Debit Card, Net Banking, Paytm, PhonePe, Amazon Pay, and other wallets
• Binance: Pay using cryptocurrency (USDT, BTC, ETH). Manual verification required.

Yes, GST is included in the final price displayed at checkout. Precious metals attract 3% GST as per Indian government regulations. The price breakdown is shown clearly before you confirm payment.

No! KGF believes in complete transparency. The only charges you pay are:

• Cost of gold/silver based on live market rates
• Platform fee (minimal)
• GST (3% on precious metals)

No hidden fees, no surprise charges!

Your gold and silver are stored in insured, high-security vaults operated by leading custodians. These vaults have 24/7 armed security, CCTV surveillance, and comprehensive insurance coverage against theft, natural disasters, and other risks.

Yes! All gold and silver held on behalf of customers is fully insured. In the unlikely event of theft, loss, or damage, you will be compensated for the full market value of your holdings.

Yes, you can sell your gold or silver holdings back to us at any time. The sell button is available in your dashboard. The amount will be credited to your registered bank account within 1-3 business days after verification.

After you initiate a sell request, the amount is credited to your bank account within 1-3 business days. Most requests are processed within 24 hours. Delays may occur during bank holidays.