01 Who We Are
PerPayGold is a next-generation digital gold investment platform headquartered in India. We enable individuals to buy, sell, and redeem 24K 99.9% pure gold in real time — starting from as little as ₹10 — with complete transparency and zero hidden charges.
We believe that gold, India's most trusted store of wealth for millennia, should be accessible to every Indian — not just those who can afford to walk into a jewellery store. PerPayGold bridges the gap between traditional gold ownership and modern digital convenience.
99.9% purity, certified and audited
Buy from anywhere, anytime
SEBI-regulated secure storage
Real-time MCX-linked gold prices
02 Our Mission
Our mission is simple: to democratise gold investment in India.
For generations, gold has been the cornerstone of Indian savings — a symbol of security, prosperity, and trust. Yet, buying and storing physical gold has always come with challenges: high making charges, risk of theft, purity concerns, and lack of liquidity.
PerPayGold eliminates all of these barriers. We provide a safe, regulated, and instant way to invest in gold — so that a daily-wage worker in a tier-3 town has the same access to gold savings as a high-net-worth investor in Mumbai.
03 By the Numbers
A snapshot of PerPayGold's growth and impact since inception:
04 Our Story
PerPayGold was founded on a simple observation — millions of Indians wanted to invest in gold but found the process complicated, opaque, and exclusionary. Here's how we got to where we are today:
05 What We Offer
PerPayGold offers a comprehensive suite of gold investment and payment products:
- Buy Gold: Purchase 24K 99.9% pure gold at live market rates, starting from ₹10. Gold is credited to your account instantly.
- Sell Gold: Sell your digital gold at live rates anytime between 9 AM and 11:30 PM IST. Proceeds are credited to your wallet instantly.
- Physical Delivery: Redeem your digital gold as certified physical gold coins or bars, delivered to your doorstep.
- Gold SIP: Set up a Systematic Gold Plan to auto-invest a fixed amount in gold daily, weekly, or monthly — building wealth gradually over time.
- Gold Gifting: Send gold as a gift to friends and family directly through the app, with personalised digital gift cards.
- Gold Fixed Deposit: Lock in your gold for a fixed period and earn additional gold as interest — a safe and rewarding long-term option.
- PerPayGold for Business: Accept gold payments, settle in INR, and offer gold-linked loyalty rewards to your customers via our merchant API.
06 Our Values
Everything we build and every decision we make is guided by these core values:
Trust First
We earn trust by being transparent about every fee, every rate, and every policy. No hidden charges. No surprises. Ever.
Inclusion
Gold investing should not be a privilege. We design for the next 500 million Indians — across languages, literacy levels, and geographies.
Security
Your gold and your data are sacred. We invest heavily in security infrastructure, regulatory compliance, and vault audits.
Speed & Reliability
Gold markets move fast. Our platform is built for real-time performance with 99.98% uptime — because your money can't wait.
Financial Education
We believe informed investors make better decisions. We provide free resources, guides, and market insights to help our users grow.
Responsibility
We operate responsibly — following all RBI, SEBI, and PMLA guidelines, and contributing 1% of profits to financial literacy initiatives.
07 Leadership Team
PerPayGold is led by a team of experienced professionals from the worlds of fintech, gold trading, banking, and technology:
Arjun Rao
Ex-Goldman Sachs. 15+ years in commodities and fintech. IIT Bombay & IIM Ahmedabad alumnus.
Priya Sharma
Previously VP Engineering at PhonePe. Built payment infrastructure at scale for 50M+ users.
Vikram Krishnan
Chartered Accountant with 20 years in asset management and gold commodity markets.
Nandita Menon
Former RBI regulatory specialist. Leads all compliance, KYC, and AML functions at PerPayGold.
Rohit Gupta
Design-led product leader. Previously built consumer fintech products used by 30M+ Indians.
Sunita Pillai
Passionate about building trust at scale. Leads support, grievance, and user education teams.
08 Trust & Security
At PerPayGold, your gold and your money are always protected. Here's how:
- 1:1 Gold Backing: Every gram of digital gold on our platform is backed by an equal gram of physical 24K gold held in SEBI-regulated vaults. Your gold is never lent or leveraged.
- Third-Party Audits: Our gold holdings are independently audited by a Big 4 accounting firm every quarter. Audit reports are publicly shared on our website.
- Insured Storage: All physical gold in our vaults is fully insured against theft, damage, and loss by a leading general insurance provider.
- KYC & AML Compliance: We comply fully with RBI KYC norms and the Prevention of Money Laundering Act (PMLA). All accounts are verified before transactions above ₹50,000.
- Data Security: User data is encrypted at rest and in transit using AES-256 and TLS 1.3. We are ISO 27001 certified.
- Two-Factor Authentication: All transactions above ₹5,000 require OTP or biometric confirmation, ensuring you are always in control.
09 Partners & Custodians
PerPayGold works with India's most trusted financial and logistics institutions to ensure the safety, purity, and liquidity of your gold:
10 Awards & Recognition
We are proud to have been recognised by leading industry bodies and publications for our work in democratising gold investment:
- Best Fintech Startup of the Year 2023 — India Fintech Awards
- Top 10 Wealth Tech Apps in India — Economic Times Startup Awards, 2023
- Best Digital Gold Platform — Outlook Money Awards, 2024
- Most Trusted Gold Investment App — Financial Express FinNext Summit, 2024
- Innovation in Financial Inclusion — NASSCOM Emerge50, 2024
- 4.8★ Rating — Google Play Store, with over 2,00,000 verified user reviews
11 Get in Touch
Have questions about PerPayGold, partnership opportunities, or media enquiries? We'd love to hear from you.
support@perpaygold.com
24/7 via In-App Chat
partners@perpaygold.com
Business & API integrations
press@perpaygold.com
For journalists & publications
PerPayGold Technologies Pvt. Ltd.
Bengaluru, Karnataka – 560001