CazhOn operates by offering users a platform where they can perform everyday transactions like mobile recharges, bill payments, or online shopping, and earn rewards or cashback. These rewards can then be converted into investments such as digital gold or mutual funds, encouraging users to make the most of their spending. The platform integrates financial services with a reward system to help users build smart savings and investment habits effortlessly while managing daily expenses.

When you recharge your mobile or DTH through CazhOn, you save on the amount paid as CazhOn gives you rewards on every transaction. These rewards can be converted into investments or withdrawn to your bank account, allowing you to grow your savings while managing your everyday expenses. Additionally, there is no convenience or platform fee, so you save even more.

BBPS (Bharat Bill Payment System) is an integrated bill payment system in India that offers interoperable and accessible services. CazhOn acts as a Customer Operating Unit agent for BBPS. Through the CazhOn app, you can conveniently and securely pay utility bills, loan EMIs, and other recurring payments, while earning rewards that can be reinvested.

CazhOn ensures your data and transactions are highly secure by using Microsoft Azure and Google Cloud to store information, benefiting from their top-tier encryption and security protocols. Financial transactions are processed by certified institutions like State Bank of India, ensuring reliability and safety. Additionally, digital gold purchases are handled by Augmont, a trusted name in precious metals. This comprehensive system guarantees that your funds, gold, and personal data are managed securely, giving you peace of mind while using the platform

You can contact CazhOn’s customer support through our website at www.cazhon.com or by emailing us at support@cazhon.com. Our dedicated support team is available to assist you with any queries or issues you may have.

To get started with CazhOn, visit our website to learn more about our services. The website includes a 'Get Started' button that directs you to download our mobile app, which is the primary platform for using CazhOn. After installing the app, you can sign up by entering and verifying your phone number. Once registered, you can begin using CazhOn to manage your utility payments, mobility services, and shopping transactions, while earning rewards that you can invest to grow your savings.

CazhOn Smart Auto-Invest is a feature designed to automatically invest your rewards and cashback earnings into financial instruments like mutual funds or digital gold. The concept is to streamline the process of saving and investing by using the rewards you accumulate through everyday transactions, such as paying bills or recharges, and automatically converting them into investments. This makes it easier for users to grow their savings without needing to manage each transaction manually, ensuring that they can steadily accumulate wealth over time with minimal effort.

CazhOn Smart Round-Ups is an upcoming feature that allows you to round up your daily transactions to the nearest higher amount and automatically invest the difference. To use this feature, you'll need to link your primary bank account, such as through UPI, so that the system can track your transactions and apply the round-up automatically. For example, if you spend ₹85, the transaction would round up to ₹100, and the ₹15 difference would be invested into financial products like mutual funds or digital gold.

When you use CazhOn for bill payments, mobile recharges, or shopping, you earn rewards or cashback. These rewards can be reinvested into investment products like digital gold or mutual funds, helping you save effortlessly.

To convert your CazhOn Rewards into investments using Smart Auto-Invest, follow these steps:

1. Accumulate Rewards : First, earn rewards by completing transactions such as utility payments, mobile recharges, or shopping through the CazhOn app.

2. Enable Smart Auto-Invest : In the rewards section of the CazhOn app, enable the Smart Auto-Invest feature. This will automatically invest your earned rewards.

3. Choose Investment Type : Select the investment type that suits your goals, such as Digital Gold or Silver. You can pick the option that best aligns with your financial strategy.

4. Accept Terms and Conditions : Review and accept the terms and conditions for the chosen investment option. This ensures you are fully informed about how your rewards will be managed.

5. Automatic Conversion : Once enabled, CazhOn will automatically convert your rewards into the selected investment product at market rates, without requiring any manual intervention.

CazhOn Savings is a feature that helps you grow your savings through cashback earned on transactions and investments. The saved amount can be tracked and later used for future investments or expenses.

Digital Gold allows you to buy, sell, and hold gold in a digital form. You can purchase small amounts of gold at current market rates, and your gold is stored securely in insured vaults. You can sell your digital gold anytime, making it a flexible and convenient investment option.

Digital Gold facilitates the purchase of physical bullion (i.e. bars of Gold/Silver) for as low as ₹10 Re. 1 with the ease of online access. The customer can request for the delivery of Gold/Silver purchased from Augmont anytime they want in the form of coins/ bars and jewellery and it will be delivered at your doorstep. Customers can also sell the bullion (bought from us) in a secured and convenient manner back to Augmont.

24K 999 Purity Gold and 24K carat 999 Purity Silver.

• Ease of Account Opening - Opening an Account with us is a quite simple, hassle-free process.
• Minimum Verification - Only mobile number verification is required for successful registration.
• No Additional Costs - No brokerage is charged. No charges for storage and insurance.
• Small Quantity - Augmont enables the purchase of Gold and Silver for as low as ₹10.
• Better Prices - The bullion is available at wholesale market prices.
• Buy Back - You can sell the bullion bought from us at very low spreads.
• Delivery - The customer can avail delivery of bullion at their doorstep.
• Dedicated Customer Service - Contact the Customer Service Desk by Email and Call during business hours of 10:00 am to 7:00 pm from Monday to Saturday except on public holidays.

The Buy and Sell prices are calculated using wholesale spot market pricing. We pass on the benefits from wholesale market prices to our consumers, making us more competitive than the competition.

Any resident Indian with a valid PAN/Form 60 and a bank account can start purchasing Digital Gold. You must simply register by entering your mobile number and verifying it with the OTP supplied to you.

You can buy any quantity of Gold/Silver. The minimum amount of purchase allowed is ₹10 However, you are allowed to sell only the Gold/Silver that you have bought from us. You are not allowed to sell the gold or silver until 48 hours from the purchase time for security reasons.

All our prices quoted on the website are exclusive of GST and other applicable taxes. The applicable GST is added to the quoted price at the final stage of checkout.

The price for Gold/Silver (i.e. Buy/Sell) is displayed on CazhOn website, and there is always a little disparity between the buy and sell prices. The spread varies depending on a variety of factors such as price volatility, supply, and external market circumstances. On the platform, we transperately quote live prices. Furthermore, GST, which is imposed on the buy price, is not levied on the sell price, and there are other charges for payment gateways, trustees, and other services that contribute to the difference between the buy and sell prices.

You receive the sale proceeds in your confirmed bank account when you sell your gold or silver. Within three working days, the funds will be credited to your bank account. You can contact our customer care if there are any delays.

You can sell back at the market prices which are displayed on the website on a real- time basis. There are no additional charges.

In case you have not received invoice, please contact +91 9566703427

Once orders have been successfully placed, they cannot be cancelled.

As per the government regulations, it is a statutory requirement and a part of regulatory instructions and compliance that KYC needs to be done for buying any product on CazhOn platform. We want to ensure that we have the correct KYC of the customers to enable us to identify the owners of the gold/silver lying in the vaults with accuracy. It is advised that proper KYC is updated to prevent any misuse of your gold account. In any case, you will be prompted to provide your PAN details once your buying reaches a certain threshold limit.

The physical gold/silver is stored safely in the vault which is utilized by various banks in India and also by various Asset Management Companies (AMCs) for their Gold-ETFs. The physical Gold/Silver stored in the vault is also covered by insurance.

Under a comprehensive insurance contract, a top insurance firm insures the physical gold and silver housed in vaults. Our insurance also covers the gold, silver, and jewellery that is in transit at the time of delivery.

You can request delivery of the Gold and Silver bought digitally from Augmont’s partners in the form of coins, bars and jewellery and they shall be delivered at your doorstep. The customer can request the delivery by selecting from a wide range of articles and by paying a nominal making and delivery fee. The customer can request for the delivery of gold and silver coins of as low as 0.1 gram gold and 1 gram silver.

We deliver gold/silver to all the cities across India, through partnerships with secure logistics providers.

The customer can be assured of the quality of the Gold Coins and Jewellery delivered by Augmont as each and every article delivered is hallmarked by a government-approved hallmarking agency as per the BIS guidelines.

The customer will receive the delivery at the shipping address indicated in the order within 10 working days of placing the order/requesting delivery.

The customer can change the registered mobile number by contacting the customer support team contact@cazhon.com. The customer service shall assist you with the same.

The risk of loss relating to the products shall be on CazhOn till the time the product is delivered to the customer at its shipping address.

Kindly do not panic. If your account was debited, it should be automatically reversed in 72 hours or according to your bank guidelines. We don't recommend using NEFT as this method takes longer to process. If you still need help, please contact our customer support team contact@cazhon.com.

The partner platforms will provide the first level of support. To reach out to us, you can write to contact@cazhon.com.

If you hold gold for more than 24 months, you are liable to pay 12.50% Long-Term Capital Gains (LTCG) tax after indexation.

If the holding period is less than 24 months, the Short-Term Capital Gains (STCG) tax will be applicable according to your income tax slab rate.

With a Daily SIP, your investments are made every single day. If you start your SIP on the 6th of a month, your first investment will be made on the 6th itself, and subsequent investments will continue daily.

For a Weekly SIP, you choose a specific day of the week for your investments. For example, if you start your SIP on the 1st of the month and select Monday as your day, your investments will be made every Monday. If the 1st is a Tuesday, your first investment will be on the following Monday.

With a Monthly SIP, your investments are made once a month on the same day you started. If you begin your SIP on the 6th of a month, your investments will be made on the 6th of every subsequent month.

• CazhOn Rewards : These are points or credits earned through various activities, such as transactions, promotions, or referrals. Rewards can be converted into investments or used to take advantage of specific offers within the platform.
• CazhOn Savings : These are accumulated savings generated from rewards on transactions. The savings can be tracked and either reinvested into financial products like digital gold or mutual funds, or used for future expenses.

To withdraw your savings from CazhOn, open the app, navigate to your savings or investment section, and select the withdrawal option. If your savings are in investments like digital gold, sell them at the current market rate and confirm the transfer to your linked bank account. The funds will be credited within a few business days, and you'll receive confirmation in the app. Ensure your bank account is linked for a smooth withdrawal process.

Yes, users can easily change their investment preferences in Smart Auto-Invest through the CazhOn mobile app. Simply go to the investment screen in the app, where you’ll see available options like digital gold or mutual funds. From there, you can select or modify your preferred investment type based on your financial goals. Once updated, the app will automatically adjust future rewards or cashback to invest in the newly chosen option.

Yes, CazhOn requires a minimum balance of ₹10 to initiate the Smart Auto-Invest feature. Once you have accumulated at least ₹10 in rewards or cashback, the auto-invest feature will begin converting your earnings into the investment options you’ve selected, such as digital gold or mutual funds. This ensures that small amounts of savings are consistently invested, helping you grow your savings over time without requiring large initial amounts.

There are no additional fees associated with converting your rewards into investments through CazhOn. However, if you choose to invest in digital gold or silver, a 3% Goods and Services Tax (GST) is applied, as per government regulations. This GST is levied on the purchase of digital gold, and it is automatically factored into the transaction. Other investment options, such as mutual funds, may have different tax or fee structures, but converting rewards itself does not incur extra charges on the platform

Your rewards are converted into investments as soon as they reach the minimum required amount, which is typically ₹10 for Smart Auto-Invest. Once this threshold is met, CazhOn automatically processes the conversion, and your selected investment type—such as digital gold or mutual funds—will be purchased at the current market rates. This process is seamless and happens almost immediately after reaching the minimum amount, ensuring that your rewards are quickly turned into investments without delay

Yes, you can use your CazhOn rewards for purposes other than investments, such as mobility services, utility payments, and other transactions. On the summary checkout screen of the app, there is an option to apply your rewards toward the total bill or payment. Simply enable this option at checkout to use your rewards as a form of payment, helping reduce your overall expense. This gives you flexibility to either invest your rewards or utilize them for everyday expenses, depending on your preference.

If you stop using CazhOn, your savings and investments remain secure and will not expire. Your accumulated rewards, savings, and any investments like digital gold or mutual funds are safely stored with CazhOn. You retain full access to them, and can choose to withdraw or manage your investments at any time through the app. Even if you are no longer actively using the platform, your funds remain available for withdrawal or reinvestment whenever you choose to return