Is the SayF app safe to use?
The SayF app is 100% safe and secure for your transactions, savings & Investments in Gold. It is powered by India's leading Gold Provider, Augmont, and all payments happen over the secure banking networks of Phonepe, Paytm and ICICI bank.
You will have complete control over your savings and finances for you to pause, re-start or withdraw funds or get Gold delivered easily with a click of a button.
How do I download the SayF app?
The SayF app is available on both Android and iOS mobile devices. Simply type ‘SayF’ in the search bar to find & install the app and begin your savings journey.
Is KYC mandatory to invest in gold on SayF?
KYC is only mandatory if your gold wallet exceeds gold worth more than ₹1,80,000 annually.
Is my data safe with SayF?
Yes. We ensure best security approaches for our app and payment channels. Your data security is our priority and make sure we use our best practices to secure it.
Pay in 3 parts.
What is SayF pay in 3?
SayF Pay in 3 is an interest-free loan that lets you split your bill into 3 payments over 3 months.
First due at the time of purchase and subsequent payments due every month on the same date.
It’s a great way to spread the cost of larger items or to cover emergencies and is a helpful tool for managing your budget more effectively.
Please note that Pay in 3 is a form of credit, so carefully consider whether you can afford the repayments and the possible impact on your credit score.
Will I be able to use SayF pay in 3?
We’re offering SayF Pay in 3 to a growing number of our users. SayF Pay in 3 is available for specific partner stores as decided by our SayF and its partners.
We may also decide not to offer SayF Pay in 3 as a payment option in certain circumstances, such as where our checks suggest an increased risk of fraud or where data we hold suggests you may not be eligible.
If you choose SayF Pay in 3 as your payment method when you check out,, you’ll be taken through the application process. You’ll get a decision instantly, but not everyone will be approved based on our internal checks.
What information do I need to provide to apply for Pay in 3?
To use SayF Pay in 3, you’ll need to sign in through Gmail to check your eligibility. You agree to the terms and conditions set by SayF and its affiliates (direct or indirectly involved in providing this service)
Are there any fees associated with SayF Pay in 3?
There are no fees for choosing to pay with SayF Pay in 3. But incase of due the user will be charged which are set by SayF and its affiliates.
Digital Gold
What is digital gold?
Digital gold is a virtual method of buying and investing in Gold without having to physically hold the gold. You can buy it through SayF; it provides safety and security and can be converted to physical gold with a click of a button.
What is the purity of gold?
Augmont offers 24 Karat Gold of 999 purity (99.9% pure).
Is it safe to buy Digital Gold?
Yes, it is safe. For every purchase of Digital Gold you make, an equivalent weight of physical gold is deposited in an insured vault by our gold partner, Augmont Gold. This physical gold is held in the vault until you sell your Digital Gold.
Can I directly buy gold on SayF app?
Yes, you can directly buy Digital Gold on the SayF app at the current value of gold at the time of purchase. The purchase price includes 3% GST, the break-up of which can be seen on your invoice after every transaction to buy gold.
How can I sell my gold on the SayF app?
You can sell your digital gold immediately at the selling price of gold at the time of transaction and money will be instantly withdrawn to your bank account.
Can I exchange my Digital Gold for Physical Gold?
Yes, after you have accumulated a substantial amount (less than 0.1gm) of Digital Gold, you can opt for Home Delivery of the gold. Users will have to incur the standard delivery charges. You can also visit the nearest Kalyan Jeweller branch and opt to make payment through your digital gold wallet.
Why is the buy and sell price different on the same day?
The buy and sell prices differ due to a 3% GST and costs such as bank charges, payment costs, technology costs, and hedging costs that Augmont undertakes.
Daily Savings
How to set up Daily Savings / Autopay?How to set up Daily Savings / Autopay?
On the app home screen, click on the 'Auto Savings’ button and set the amount you wish to invest daily. You can choose to invest from Rs. 10 to Rs. 500, which will be deducted daily from your bank account and invested in Digital Gold.
If you wish to edit your daily savings amount at some point, click on 'Auto Savings’ again and enter the new amount of your choice and save your choice.
Alternatively, if you are not able to find the autopay card on your home screen, follow these steps:
Click on Your Profile → Settings → Daily Savings.
How to stop Daily Savings?
To stop Daily Savings,
Head to profile section
Click on “Settings”
Click on “Daily Savings”
turn the toggle off.
Round up Savings
Can I choose round-up amounts?
SayF, by default, invests your spare change by rounding off to the nearest multiple of ₹10. Example: If your daily spend is ₹134, SayF will invest ₹6 for you in digital gold from your wallet.
What is a multiplier? And how do we use it?
The multiplier is a way to enhance your investment in every roundup. You have the option of selecting 1x, 2x, 3x, 5x, or 10x.
Example: If you set the multiplier as 2x, you invest twice the amount of spare change from that transaction. For a transaction of ₹134, with a 2x multiplier opted, your investment will be 2 X ₹6 = ₹12.
How can I stop Round-Up savings?
To stop Round-up investing,
Head to profile section
Click on “Settings”
Click on “Round-up Savings”
turn the toggle off.
Partner Store(s)
How to use the App for purchasing at a store?
Our platform helps you save and earn gold on every spend at Swiggy, Amazon Flipkart and 300+ stores.
You have to navigate to the Stores section of the app, search for your favourite stores and buy a Gift Card of the desired amount. You have to use these Vouchers at the time of checkout on the platform.
In the case of offline in-store purchases, you have to share the gift card with the cashier.
In the case of Online, you will have an option to redeem it during the checkout.
Can I get a refund if I do not use the card?
No, Cards once purchased cannot be refunded back. In case of any problem faced during purchase or redemption of Gift Card has been delivered to you, contact us immediately in order to get the issue resolved.
Any requests for refund have to be raised within 72 hours of transaction.
Partial usage of a gift card?
It depends on the brand to brand basis. Please read brand specific terms and conditions.
Are there any terms and conditions involved?
The terms and conditions for each brand E-Gift Card can differ, so review the Terms and conditions and overall details before you choose a Gift Card. This will give you a very clear idea and help you with your decision. Referral and Earn
How does this referral program work?
SayF “Refer your Friends and Earn” program is a unique referral program where you can invite your friends to the app where they can save on every transaction they make with SayF. You get 1% of the amount your friend spends as a referral reward for a period defined in the referral section.
What conditions must be met for me to earn the reward?
To claim referral rewards, the person you refer to SayF has to use your referral link/code at the time of signup and has to make a transaction with SayF partner stores on our platform. After a successful transaction with partner stores, you will get a referral reward. Please note that a transaction made to purchase gold will not be considered as a transaction to earn referral rewards.
Where can I find my referral code/referral link?
You can find the referral code/link on the home screen of your app under refer and earn section. Alternatively, you can also navigate to “My Profile” and click on “Refer a Friend” to get your referral code and the link.
What if a friend signs up but forgets to use my link or code?
You are eligible for referral rewards only after a successful usage of your referral code by a new user while signing up on the app.