Once you're comfortable with how buying and selling works, there's more to RamMudra™ than one-off purchases, recurring savings, gifting gold to someone else, and using it toward jewellery. There's also a smarter way to evaluate the product before you commit to it. Here's all of that.
Does RamMudra™ offer Gold Autopay or savings options?
Yes. You can set up daily, weekly or monthly Autopay on RamMudra™, or stick to one-time purchases, whichever fits how you want to build your holding over time.
Can I gift digital gold to someone?
Yes. You can gift digital gold through the RamMudra™ app. Eligibility, process and limits are shown on the RamMudra™ platform.
Can I exchange my digital gold for jewellery?
Where available through participating partners, eligible gold may be used towards physical gold or jewellery-related services. Availability, participating partners, charges and other conditions may vary.
What should I check before buying Digital Gold?
Before buying digital gold, look beyond the displayed gold price. It's worth considering:
- Buying price
- Applicable GST
- Storage and custody arrangements
- Insurance arrangements
- Redemption conditions
- Transaction limits
- Customer support and grievance process
Understanding the complete cost and service structure gives you a much clearer picture than the headline gold price alone.
What's the most important cost to consider?
The displayed gold price is only one part of the overall cost. Pay particular attention to the difference between the buying and selling prices, that spread is where a lot of the real cost sits. If you plan to take physical delivery at any point, also factor in GST, minting and delivery charges.
Is Digital Gold the same as jewellery?
No. Digital Gold lets you buy and hold gold digitally, while the physical gold backing your holding is stored through the applicable custody arrangement. Jewellery is a finished physical product and may include making charges and other costs.
The takeaway
RamMudra™ is built for more than a single transaction, recurring savings, gifting, and jewellery exchange (where available) extend what you can actually do with a holding. But the product is still worth evaluating on its full cost structure, not just the sticker price of gold: the buy-sell spread typically matters more than any single fee, and it's the one figure worth checking every time before you transact.
