eSwarna Digital Gold is the virtual method of buying and investing in gold without having to physically hold the gold. When you buy eSwarna Digital Gold on Muthoot FinCorp ONE , the corresponding physical gold is stored at secure vaults by Muthoot EXIM appointed custodian Sequel Logistics completely free of cost. Your gold is always 100% safe and secure at no extra cost.

Muthoot EXIM offers 999 fineness also known as 24 karat purity through Muthoot FinCorp ONE platform.

Your investment is 100% safe and secure with Muthoot EXIM. The physical gold is stored in secure vaults by Muthoot EXIM appointed custodian Sequel Logistics.

On every purchase transaction GST is payable at the applicable rate from time to time. No GST will be applicable for sale transactions.

Yes, you can encash the gold purchased on Muthoot FinCorp ONE platform any time after 24 working hours from the time of purchase. We will soon be introducing the option to convert eSwarna Digital Gold into jewellery or gold coins.

Please feel free to write to us at

In the event of a customer’s death, their legal heir can claim the gold by submitting necessary documents to establish his/her claim . Once their identity has been verified we will substitute the legal heir in place of the deceased customer.

All Buy/Sell transactions on Muthoot FinCorp ONE are based on the live gold rate reflected on the app. This price is locked for 4 mins and 30 secs for the customer to complete the transaction. In case the transaction is not completed within the given time frame, the system is refreshed with the live gold rate.

If any payment has been debited from your UPI account, and the gold has not credited to your gold balance, an automatic refund will be initiated by us, and the amount will be credited to your bank account within 3-5 working days. For further queries you may also contact our customer care team at

We support UPI as the payment method for the transaction of eSwarna Digital Gold on Muthoot FinCorp ONE.