CoinYatra gold terms & conditions
These terms govern the purchase, holding, reward accrual and conversion of gold through CoinYatra. Digital gold is available now. Physical gold is a planned service and is not available for purchase yet.
1. What digital gold is
Digital gold is a CoinYatra account entitlement measured in grams of gold, held in your CoinYatra account. It is quoted, bought, held and sold in grams — never in troy ounces. Digital gold is not a deposit, not a security and does not give you title to any specific physical bar or coin unless and until a physical gold purchase or redemption is completed under separate terms.
2. Pricing
Gold is priced from the live international gold spot rate, converted from troy ounces to grams. You may view and transact with pricing displayed in US Dollars (USD) or Indian Rupees (INR); the INR figure is derived from the live USD/INR rate at the time of display. Rates move continuously — the rate applied to your order is the rate live at the moment you confirm, not the rate first shown on screen.
3. Buying and selling
Digital gold can be bought and sold at any time while the programme is enabled. The minimum purchase is 0.1 g. Purchases are funded from, and sales are credited to, the supported crypto balance you select in your CoinYatra account. You must hold sufficient available balance; funds subscribed to Earn, locked in Spot orders or held in P2P escrow are not available for gold purchases.
4. Commission
A commission of 0.1% applies on every gold purchase and 0.1% on every gold sale or conversion into another asset. The commission is shown on the review screen before you confirm and is included in the amount debited or credited. Network fees for subsequently withdrawing crypto from CoinYatra are separate and unchanged.
5. Rewards on digital gold
Digital gold holdings accrue rewards at 1.75% per month, credited in gold to your gold holding. Rewards accrue on your gold balance on a pro-rata basis, with no lock-in and no minimum holding period, and you may sell or convert your gold at any time. Physical gold does not accrue rewards. CoinYatra may vary the reward rate prospectively; any change is published in the app and applies from the date of change.
6. Holding limits
There is no minimum holding period and no limit on how long you may hold digital gold. The maximum digital gold holding per account is 50 kg. Purchases that would take your holding beyond this limit will be rejected. CoinYatra may apply lower limits to an individual account for risk, compliance or regulatory reasons.
7. Conversion to other assets
Digital gold may be converted into supported crypto assets at the live gold rate and the live asset rate, less the applicable 0.1% commission. Conversions are executed against CoinYatra's quoted rates and are final once confirmed.
8. Physical gold (planned)
Physical gold purchases are planned to open on 14 March 2027. Until that date no physical gold can be purchased, reserved or redeemed, and the countdown shown in the app is informational only. Physical gold, when launched, will be sold in grams. The price for physical gold will be the online gold rate in India plus 19%, to account for applicable taxes, hallmarking, insurance, storage, delivery, minimum-quantity, making-charge and other incidental charges. This means physical gold will be priced higher than digital gold, which follows the live international spot rate. Physical gold does not accrue monthly rewards. CoinYatra may change or withdraw the planned launch date.
9. Taxes
You are solely responsible for determining and paying any tax arising from buying, holding, earning rewards on, selling or converting gold, including any applicable goods and services tax, capital gains tax or withholding. CoinYatra does not provide tax advice.
10. Risks
Gold prices fluctuate and can fall as well as rise. Reward accrual does not protect you from a fall in the gold price. Live rates depend on third-party market data feeds which may be delayed, interrupted or inaccurate; CoinYatra may suspend gold trading while pricing is unreliable. Amounts shown in INR depend on the USD/INR rate and will change with it.
11. Suspension and changes
CoinYatra may pause gold buying, selling or reward accrual, adjust commissions, rates and limits, or withdraw the programme, including for market disruption, risk, compliance, security or regulatory reasons. Confirmed transactions are not reversed by such changes.
12. Verification and compliance
Gold activity is subject to CoinYatra's Terms of Service, Privacy Policy and AML policy. CoinYatra may request identity verification or source-of-funds information and may restrict gold activity on accounts that are frozen, restricted or under review.
13. Finality of transactions
Completed gold purchases, sales and conversions are final and cannot be reversed, cancelled or refunded once confirmed. Every transaction receives a unique reference number recorded in your gold activity history.