Gullak: India's Savings App

Content rating
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image

About this app

We at Gullak believe in creating wealth for all.
Most Indians still continue to save in low-return assets & Gullak is here to change that. Gullak introduces small regular savings in Digital Gold. Your dreams can be big but your daily savings need not to be. Start your savings journey in just 30 secs with India's Savings App: Gullak.

Gullak helps you create wealth starting with the first step of automating your savings. Gullak automatically saves money from your account via UPI autopay & invest these savings into wealth-creating assets, starting with digital gold investments.

👉 Gullak makes savings easy, automated & rewarding 💰
✅ Easy setup, in less than 30 seconds
✅ No KYC required
✅ Get Free Digital Gold on your savings as a reward
✅ Pause or withdraw your savings instantly & anytime
✅ 100% safe & secure - Partnered with PayTM & built by the makers of BHIM
✅ 100% Pure Gold - 24K 999 hallmarked gold provided by Augmont
✅ Secure storage - Your gold is secured in Sequel Vaults monitored
✅ Doorstep delivery of 24K 999 Gold Coins
✅ No hidden charges or transaction fees charged by Gullak

👉 How to get started with your daily savings journey on Gullak in just 30 seconds?

1. Log-in to Gullak via your phone number
2. Customise your savings goals - select the amount & how long you want to invest
3. Automate your savings by setting up UPI autopay mandate via phonepe, paytm or BHIM
4. Sit back & watch Gullak invest your savings into wealth creating assets i.e Digital gold

👉 What are the multiple savings options available on Gullak?

We at Gullak understand one size does not fit all & we also understand multiple savings options = more wealth. Gullak currently has three savings options by which you can save in Digital Gold

Daily Savings : You can set up a recurring daily savings amount which will get invested in digital gold. You can start saving as low as Rs.10.
How does this work - Rs.10 is saved automatically from your bank account everyday for the duration you selected & is invested into digital gold

Save on every Spend : Everytime you make an online transaction, we round off the amount to the nearest 10 & invest this into digital gold. You can edit & customise this by changing the nearest round off limit & adding multipliers to increase your savings.
How does this work - If you have made a transaction of Rs.45, we would round off this amount to the nearest 10, i.e, 50, & invest the spare change, i.e Rs.5 in digital gold.

Top-up : Top up lets you add a one time lump sum amount at any given day into one of your Gullaks & the amount is invest in digital gold

👉 Why should you invest in digital gold via Gullak?
Hassle - Free - Invest in digital gold in just 30 seconds
100% Purity - 999 pure 24k hallmarked digital gold
Micro-investing - Buy digital gold with just Rs.10
Secure storage - Stored in secure & insured sequel vaults
Instant withdrawal - Withdraw the gms of digital gold you wish to at just one click
Best deals - Get one of the best digital gold rates available in the market
Good returns on Digital gold - In the last 5 years, gold has shown growth of 80% which is 16% annual returns

👉 FAQ’s
Is KYC required to start my savings?
No, KYC is not required to start your savings with Gullak

Does withdrawal require KYC? How long does it take for the amount to reflect in my account?
No, it does not & there is no lock-in period. You can withdraw instantly at any time.

Which UPI platforms are supported on Gullak?
Gullak supports transactions by Phonepe, BHIM & Paytm

Are my savings secured on Gullak?
Yes, your savings are completely safe with Gullak. We are partnered with Paytm & Gullak is built by the makers of BHIM. We use UPI 2.0 which was introduced by the NPCI. We follow all RBI guidelines.
You also have all control to pause or withdraw at any time.

👉 Contact us
We’d love to hear from you if you have any suggestions or any feedback for us. You can reach out to us on
Updated on

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region and age The developer provided this information and may update it over time.
This app may share these data types with third parties
Location, Personal info and 5 others
This app may collect these data types
Location, Personal info and 5 others
Data is encrypted in transit
Data can’t be deleted