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General FAQ
It is simple. Login to www.invulb.com or Download our Mobile Application. Register with us and your Account opening process is completed.
INVULB follows an Investment philosophy to build your Retirement Corpus.
Ideally in the Long Term - we suggest Investors to build a corpus with a split of –
To achieve this INVULB will provide the following –
Ideally in the Long Term - we suggest Investors to build a corpus with a split of –
- 50% in Equity/ETF/SIFs and related Investments
- 25% in Mutual Fund Schemes/ REITs/NPS
- Upto 10% in other modes (a mix of various investments like – Derivatives/ Unlisted Pre IPOs / Private Equity & Start Ups/ SME IPO/ P2P etc.)
- Upto 10% in Metals (Gold/Silver etc.)
- and remaining upto 10% in Fixed Deposits/Bonds/hold cash and similar Liquid instruments
To achieve this INVULB will provide the following –
- Pension Plan Management: Profile customers and provide Pension Plans based on their Risk appetite. As of now we have four (04) Pension Plans. These Pension Products provide returns over a pre-defined time period.
- Digital Gold and Silver: Provide Gold and Silver as a product offering Online to all our users.
- Mutual Fund (MFs) Products: We have partnered with Asset Management Companies (AMCs) to provide all types of Mutual Funds (MFs) via our unique investment strategy called as “MF Baskets”
- Financial Products: partner with Financial Institutions like Centrum Finverse and provide their products including Equity and Derivatives trading.
- Provide multiple products in FD/ ETFs/Bonds etc.
INVULB is an intermediary and intends to provide Financial solutions via our partners. All our product offerings are provided by well reputed partners.
At present we have partnered with multiple AMCs for MF investments, with a leading Financial Institution Centrum Finverse for Equities and Derivatives trading, registered with various government agencies like Digilocker, Start Up India, AMFI, BSE Star MF, MMTC PAMP for gold and silver investments…to start our operations.
At present we have partnered with multiple AMCs for MF investments, with a leading Financial Institution Centrum Finverse for Equities and Derivatives trading, registered with various government agencies like Digilocker, Start Up India, AMFI, BSE Star MF, MMTC PAMP for gold and silver investments…to start our operations.
We understand Pension and Retirement Planning may require more understanding/explanation and clarity from us. We are here to help/support and answer your queries.
Please reach out to us at - +91 8129 443 444 OR + 91 99 4935 8862 OR email us at – ajit@invulb.com
Please reach out to us at - +91 8129 443 444 OR + 91 99 4935 8862 OR email us at – ajit@invulb.com
Pension Investments will carry all the Tax Benefits that are applicable under the Tax system. Taxation is a subject which changes every year and it is advisable to connect with us related to Taxation queries to be clarified by experts. We will facilitate the same.
INVULB pension investments at the core is quite simple and straightforward. We build on arriving at each customer’s Pension Corpus. This Pension Corpus can then be distributed on an “Annuity” basis (ideal) to be withdrawn for the rest of the life OR the Pension Corpus accumulated can be withdrawn at one go to be utilized by the customer upon retirement (or as per Customer’s time of requirement).
To build this Pension Corpus, INVULB will use multiple Financial Products over a period of time.
To build this Pension Corpus, INVULB will use multiple Financial Products over a period of time.
INVULB is a Fintech organization and we aspire to provide Pension investment solutions. In India for all types of investments it is mandatory to follow KYC adherence. KYC or Know Your Customer is an initiative to bring transparency related to investments from customer.
KYC, is a mandatory, standardized process used by financial institutions and businesses to verify a customer's identity, background, and legitimacy. It involves collecting and validating documents—like government-issued IDs, proof of address, and photos—to prevent financial crimes like money laundering, terrorism financing, and identity theft.
KYC, is a mandatory, standardized process used by financial institutions and businesses to verify a customer's identity, background, and legitimacy. It involves collecting and validating documents—like government-issued IDs, proof of address, and photos—to prevent financial crimes like money laundering, terrorism financing, and identity theft.
To check your KYC details online, visit a SEBI-registered KYC Registration Agency (KRA) website (e.g., CVL KRA, KARVY KRA, CAMS), enter your 10-digit PAN, and complete the captcha. The status will show as "Validated" (fully compliant) or "Registered/On-Hold" (requiring updates).
Understanding Your KYC Status
Understanding Your KYC Status
- KYC Validated: Your KYC is fully verified, and no action is required. You can invest in any mutual fund or market instrument.
- KYC Registered: You are registered but not validated. You can continue existing investments but may need to re-submit documents for new ones.
- Under Process: Your KYC is being updated, which takes a few days.
INVULB has partnered with Centrum Finverse to provide Broking services for our customers. Nominee details can be updated by visiting the Centrum Mobile Application or Website. When a customer “Registers” with INVULB and completes the KYC then the customer also gets Centrum DEMAT account along with INVULB Registration.
Please Login to Centrum portal with the Demat details and update the Nominee details under Profile section OR please connect with us via contact@invulb.com / ajit@invulb.com OR call us at +91 8129 443 444 / +91 9949358862
Please Login to Centrum portal with the Demat details and update the Nominee details under Profile section OR please connect with us via contact@invulb.com / ajit@invulb.com OR call us at +91 8129 443 444 / +91 9949358862
Updating Bank details can be done via Mandates during purchase process of MF Basket or any product. It can also be facilitated by going to Mandate section in Profile OR Portfolio page and updating new Mandate details or bank details.
Alternatively, this can also be done via Centrum Finverse by visiting the Centrum Mobile Application or Website (INVULB has partnered with Centrum Finverse to provide Broking services for our customers).
When a customer “Registers” with INVULB and completes the KYC then the customer also gets Centrum DEMAT account along with INVULB Registration.
Please Login to Centrum portal with the Demat details and update the Bank details OR please connect with us via contact@invulb.com / ajit@invulb.com OR call us at +91 8129 443 444 / +91 9949358862
Alternatively, this can also be done via Centrum Finverse by visiting the Centrum Mobile Application or Website (INVULB has partnered with Centrum Finverse to provide Broking services for our customers).
When a customer “Registers” with INVULB and completes the KYC then the customer also gets Centrum DEMAT account along with INVULB Registration.
Please Login to Centrum portal with the Demat details and update the Bank details OR please connect with us via contact@invulb.com / ajit@invulb.com OR call us at +91 8129 443 444 / +91 9949358862
One can update the Profile details by visiting the Profile section in INVULB Website/Mobile Application.
Please note we will need to validate the Edits in Profile to ensure customer and data privacy is maintained.
Please note we will need to validate the Edits in Profile to ensure customer and data privacy is maintained.
One can update the Contact by visiting the Profile section in INVULB Website/Mobile Application.
Please note we will need to validate the Edits in Profile to ensure customer and data privacy is maintained.
Please note we will need to validate the Edits in Profile to ensure customer and data privacy is maintained.
Yes, the INVULB website and Mobile Application are same. It is always advised to also download the Mobile Application to ensure timely investment and Pension related notifications can be provided to the customers without any unnecessary invasion to customers privacy.
Yes, INVULB has its own Mobile Application – both in Android and iOS versions.
Please visit the Dashboard in INVULB website/Mobile Application after Login and check your investment status/ Pension Corpus accumulated etc.
All investments in detail are also available in Reports section within Dashboard.
The customer can also check the same in Portfolio section.
All investments in detail are also available in Reports section within Dashboard.
The customer can also check the same in Portfolio section.
Please visit the Dashboard in INVULB website/Mobile Application after Login and check your transaction status in Reports section.
Path: Login – Dashboard – Reports – Transaction Reports
Path: Login – Dashboard – Reports – Transaction Reports
Please visit the Dashboard in INVULB website/Mobile Application after Login and check your Pension Corpus status.
Path: Login – Dashboard – View Pension Status
Pension Corpus is default assumed to be Rs. 1 Crore.
To get a better perspective, it is always advisable for the customer to take the Pension Calculator and get the correct understanding about the Retirement (Pension) Corpus requirements. This should be mandatorily taken once at least 5 Years.
Pension Calculator is available at - Login – Dashboard – Pension Calculator.
The customer having taken the Pension calculator is fed into the system as the default Pension Corpus requirement for the customer and hence it should be taken with lot of seriousness and consideration.
Path: Login – Dashboard – View Pension Status
Pension Corpus is default assumed to be Rs. 1 Crore.
To get a better perspective, it is always advisable for the customer to take the Pension Calculator and get the correct understanding about the Retirement (Pension) Corpus requirements. This should be mandatorily taken once at least 5 Years.
Pension Calculator is available at - Login – Dashboard – Pension Calculator.
The customer having taken the Pension calculator is fed into the system as the default Pension Corpus requirement for the customer and hence it should be taken with lot of seriousness and consideration.
Pension Corpus is default assumed to be Rs. 1 Crore.
To get a better perspective, it is always advisable for the customer to take the Pension Calculator and get the correct understanding about the Retirement (Pension) Corpus requirements. This should be mandatorily taken once at least 5 Years.
Pension Calculator is available at - Login – Dashboard – Pension Calculator.
The customer having taken the Pension calculator is fed into the system as the default Pension Corpus requirement for the customer and hence it should be taken with lot of seriousness and consideration.
Please visit the Dashboard in INVULB website/Mobile Application after Login and check your Pension Corpus status.
Path: Login – Dashboard – View Pension Status
To get a better perspective, it is always advisable for the customer to take the Pension Calculator and get the correct understanding about the Retirement (Pension) Corpus requirements. This should be mandatorily taken once at least 5 Years.
Pension Calculator is available at - Login – Dashboard – Pension Calculator.
The customer having taken the Pension calculator is fed into the system as the default Pension Corpus requirement for the customer and hence it should be taken with lot of seriousness and consideration.
Please visit the Dashboard in INVULB website/Mobile Application after Login and check your Pension Corpus status.
Path: Login – Dashboard – View Pension Status
Yes, Risk Assessment is very Important. Actually, INVULB mandatorily have all the customers undergo Risk Assessment as part of the Registration process. The purpose of Risk Assessment is to understand the customer’s current status financially/economically and the life stage in the most simple/scientific manner without breaching unnecessary personal information.
The Risk Assessment is a simple tool which is developed by INVULB to get an understanding about the customer life stage.
The Risk Assessment will go in a long way to assess the Pension /Financial requirements of the customer (ideally for his entire life).
Hence it is advised that customers take utmost care and provide an unbiased reply to Risk Assessment queries.
A customer can retake the Risk Assessment any time after Registration for a single attempt. After that Risk Assessments are allowed once in six months.
We will also update this policy as and when we get more customer Registrations and customer data to make this more refined as a scientific tool.
The Risk Assessment is a simple tool which is developed by INVULB to get an understanding about the customer life stage.
The Risk Assessment will go in a long way to assess the Pension /Financial requirements of the customer (ideally for his entire life).
Hence it is advised that customers take utmost care and provide an unbiased reply to Risk Assessment queries.
A customer can retake the Risk Assessment any time after Registration for a single attempt. After that Risk Assessments are allowed once in six months.
We will also update this policy as and when we get more customer Registrations and customer data to make this more refined as a scientific tool.
Pension Calculator according to us is an essential tool to be taken to help the customer understand their Retirement corpus requirements and Expenses Management.
Pension Calculator is available for all customers who have either registered and completed the KYC.
Path: Login – Dashboard – Pension Calculator
Pension Calculator is also available for use on Sign Up in Profile section.
Path: Login – Customer Profile – Calculator – Pension Calculator
Pension Calculator is available for all customers who have either registered and completed the KYC.
Path: Login – Dashboard – Pension Calculator
Pension Calculator is also available for use on Sign Up in Profile section.
Path: Login – Customer Profile – Calculator – Pension Calculator
Yes, Pension Calculator is very important and essential tool to be taken to help the customer understand their Retirement corpus requirements and Expenses Management.
Pension Calculator is available for all customers who have either registered and completed the KYC.
Path: Login – Dashboard – Pension Calculator
Pension Calculator is also available for use on Sign Up in Profile section.
Path: Login – Customer Profile – Calculator – Pension Calculator
Pension Calculator is available for all customers who have either registered and completed the KYC.
Path: Login – Dashboard – Pension Calculator
Pension Calculator is also available for use on Sign Up in Profile section.
Path: Login – Customer Profile – Calculator – Pension Calculator
Rebalance is an essential tool to help diversify and manage different investment scenarios/situations. INVULB will undertake multiple Rebalance scenarios to ensure the most optimum returns are achievable.
INVULB will soon publish Rebalance norms that we ideally would want to follow to ensure ethical and good practices are followed to maintain optimum customer returns are achieved.
INVULB will soon publish Rebalance norms that we ideally would want to follow to ensure ethical and good practices are followed to maintain optimum customer returns are achieved.
A Mutual Fund Basket is an investment philosophy which follows multiple variables but on a specific theme to ensure Optimum Returns are possible.
It is curated based on a theme by professionals and avoids the pitfalls of picking a specific Mutual Fund scheme but rather attempts to follow a specific Strategy/theme/idea or market capitalization etc. to ensure more secure and better returns.
Baskets attempt to build a portfolio approach to bring few Mutual Fund schemes together in different combinations.
Baskets do not compromise on customization/liquidity / transparency/Rebalance options etc.
INVULB Mutual Fund (MF) Baskets are the best bet to start investments to build your Pension Portfolio/Corpus with a Long-Term view.
It is curated based on a theme by professionals and avoids the pitfalls of picking a specific Mutual Fund scheme but rather attempts to follow a specific Strategy/theme/idea or market capitalization etc. to ensure more secure and better returns.
Baskets attempt to build a portfolio approach to bring few Mutual Fund schemes together in different combinations.
Baskets do not compromise on customization/liquidity / transparency/Rebalance options etc.
INVULB Mutual Fund (MF) Baskets are the best bet to start investments to build your Pension Portfolio/Corpus with a Long-Term view.
A mutual fund (MF) investment pools money from numerous investors to purchase a diversified portfolio of securities, such as stocks, bonds, or money market instruments. Managed by professional fund managers, MFs offer diversification, liquidity, and accessibility, with returns based on the net asset value (NAV).
A Mutual Fund (MF) investment Basket is an investment philosophy which takes into account and follows multiple variables but on a specific theme to ensure Optimum Returns are possible.
It is curated based on a theme by professionals and avoids the pitfalls of picking a specific Mutual Fund scheme but rather attempts to follow a specific Strategy/theme/idea or market capitalization etc. to ensure more secure and better returns.
Baskets attempt to build a portfolio approach to bring few Mutual Fund schemes together in different combinations.
Baskets do not compromise on customization/liquidity / transparency/Rebalance options etc.
A Mutual Fund (MF) investment Basket is an investment philosophy which takes into account and follows multiple variables but on a specific theme to ensure Optimum Returns are possible.
It is curated based on a theme by professionals and avoids the pitfalls of picking a specific Mutual Fund scheme but rather attempts to follow a specific Strategy/theme/idea or market capitalization etc. to ensure more secure and better returns.
Baskets attempt to build a portfolio approach to bring few Mutual Fund schemes together in different combinations.
Baskets do not compromise on customization/liquidity / transparency/Rebalance options etc.
The returns under a Mutual Fund (MF) investment Basket can vary based on the investment philosophy, specific Strategy or theme.
INVULB attempts to help the customers with building a Pension Portfolio/Corpus. For ease of diversification and choice for customers – INVULB has categorized the investments under four Pension Plan categories – Conservative/Moderate/Aggressive/Ultra-Aggressive.
The returns are different as per the INVULB Pension Plans.
Of course, the stated and attempted returns are subject to Market Risks and may vary based on multiple factors.
INVULB attempts to help the customers with building a Pension Portfolio/Corpus. For ease of diversification and choice for customers – INVULB has categorized the investments under four Pension Plan categories – Conservative/Moderate/Aggressive/Ultra-Aggressive.
The returns are different as per the INVULB Pension Plans.
Of course, the stated and attempted returns are subject to Market Risks and may vary based on multiple factors.
Redemptions are allowed at Basket Level ideally in MF Basket. A person can redeem the invested amount Partially or Fully for the value of the Investment as on date.
Path: Login – Portfolio – Redemption option.
Although it is advisable to not redeem and build on the Pension Corpus. INVULB will help the customer with such queries related to Redemption.
Path: Login – Portfolio – Redemption option.
Although it is advisable to not redeem and build on the Pension Corpus. INVULB will help the customer with such queries related to Redemption.
Top Up is allowed at Basket Level ideally in MF Basket. A person can Top Up any amount one time on the MF Basket invested. The customer can again Top Up any number of times as per the availability of funds.
Path: Login – Portfolio – Top Up option.
It is a good option to Top Up whenever some extra funds are available to build on the invested Basket if the long-term view of the basket is good. INVULB will help the customer with such queries related to Top Up.
Path: Login – Portfolio – Top Up option.
It is a good option to Top Up whenever some extra funds are available to build on the invested Basket if the long-term view of the basket is good. INVULB will help the customer with such queries related to Top Up.
Customers can check the investment status in Dashboard OR Portfolio section.
INVULB has plans to launch multiple products which will add value to the Pension Portfolio management. Some of them planned to be launched are –
- a) Equity & ETF Products (Baskets)
- b) Derivatives
- c) NPS distribution
- d) Fixed Deposits
- e) Tax Planning
- f) Gold & Metals etc…
Yes you can start investments in Gold and Silver Digitally at any point in time. It is quite simple and straightforward.
Digital gold and silver are online investments in gold and silver. You don’t need to physically hold the metals. Digital gold is 99.9% pure, 24 karat gold and can be bought for as little as ₹1.
Safety & security of purchasing gold online at INVULB is paramount to us. All orders are managed by our partner MMTC PAMP and packed under video camera ensuring transparency & trust in the process. We use secure logistics which specialises in delivery of high value precious goods. All deliveries are made after capturing identity proof of receiver. So yes it is evcen more safe and secure than purchasing from a Gold Shop.
When buying gold and silver, customers pay the current market rates. No extra charges are applied.
Investing in Digital Gold & Silver through INVULB offers several benefits:
- Safety & Trust: Your gold is stored in India’s most secure and 100% insured facility.
- High Purity: MMTC-PAMP Gold offered through INVULB is 999.9 purity Gold.
- Certified: The gold is certified, ensuring its authenticity.
- Convenience: You can buy and sell gold online at any time.
- Collateral: Digital Gold can be used as collateral for online loans.
There are no specific rules for NRI customers. Currently, we do not offer delivery services outside India. For Gold/Silver investments, there is no lock-in period. To exit, one needs to submit a request through INVULB, and MMTC PAMP will facilitate the exit process, provided there are no pending engagements that could obstruct this process.
Registered users can Login to INVULB and track their orders from the 'MY ORDERS' section in Profile OR from Order Status section in Menu. They can also check for the tracking details in their email/SMS.
As per Govt regulations, any customer purchasing gold worth more than Rs 2 lakhs in a day (single or multiple transactions) will need to share their PAN CARD details to process the orders. Name on invoice & PAN Card should be the same. If PAN Card is not shared, then the order will be cancelled.
Our logistics partner may request for ID proof while delivering due to the high value nature of product. The person collecting will have to share ID proof to ensure safe and correct delivery.
In the open market, Gold prices fluctuate every second. However, our partner MMTC PAMP updates the price of Gold once in the morning to maintain stability and to provide consistent buying experience to our users
For any queries or assistance, please feel free to contact us at +91 8129 443 444 and/or contactus@invulb.com . You may also directly contact MMTC PAMP Customer Service at 1800-313-182182 and/or customercare@mmtcpamp.com
All Online options for payments are available . Payments can be made through Debit & Credit Cards, Net Banking, and UPI. Payments are only accepted in INR. We accept Visa | MasterCard | RuPAY | Maestro payments.
We currently do not offer Cash-On-Delivery (COD) as a payment option for orders.
If for any unforeseen circumstance your transaction fails and money is debited, you will receive a refund within 2 working days if your order is not confirmed.
We currently do not accept international cards or payments instruments for security reasons.
The time taken for delivery depends on the delivery address & Pin Code. We try to ensure that orders are delivered within 5-7 working days. Orders placed before 2PM will be shipped the same working day. Orders placed after 2 PM will be shipped next working day. Orders placed during Saturday & Sunday are shipped out on Monday. In some circumstances where the order flow is high, the orders might ship the next working day.
There are no shipping or delivery charges for orders placed on our website.
In the rare event that your order goes missing during transit, we will initiate a tracking process that lasts for 15 days. If we manage to locate your order within this period, we will proceed with the delivery as planned. However, if we are unable to track your order after this period, we will issue a full refund through the original payment method you used for the purchase.
We deliver to 12000+ pin codes across India. You can check if your pin code is serviceable by entering in the pin code section of the product page.
We do not deliver outside India at the moment.
If your order is not delivered because the Customer is not available at home after multiple delivery attempts OR Unexpected delays due to local conditions in delivery location etc, then we will initiate refund within 7 days of receiving the product back with us:
Yes, all orders are transit-insured.
In case you receive a different product, you need to contact our customer support and provide us the necessary information related to your order. You can alternatively also reach out to our partner - MMTC PAMP (1800-313-182 182 Or email at customercare@mmtcpamp.com) , with a copy to contactus@invulb.com . On receipt of your transaction details and verification at our end - the customer can opt for REFUND on Product Return as per the Refund process/policy OR get the Product Replaced with the correct product
If you pin code is showing as “not deliverable”, it means our logistics partner does not have coverage in that area. You can purchase and send to your relatives, friends or any near & dear ones and collect from them. Normal delivery process is applicable here. You only have to mention shipping address while placing the order.
Order Cancellation: Orders can be cancelled only before shipping. Once shipped, they cannot be cancelled.
Cancellation Policy:
- By MMTC-PAMP: MMTC-PAMP may refuse to cancel certain orders due to reasons like price error, quantity availability, undeliverable address, risk department issues, etc. You’ll be notified if your order is cancelled fully or partially.
- By Customer: Orders can be cancelled before shipping. Refunds are processed to the original payment mode. Customized orders cannot be cancelled or refunded.
- Product Return: We don’t accept product returns unless the delivered product is damaged. In such cases, you can request a return. The product should be unused, in its original packaging, and with the invoice. If the packaging is opened or tampered with, return won’t be accepted.
- Gold Buyback: Yes, we buy back gold jewellery, coins, and bars through our Purity Verification Centres. Please refer to the following link to proceed with Gold Buyback details - https://www.mmtcpamp.com/sell-old-gold
- Product Exchange: We don’t allow product exchanges.
- If for any unforeseen circumstance your transaction fails and money is debited, you need to write to customercare@mmtcpamp.com with a copy to contactus@invulb.com. We will verify and initiate refund if we have received payment. You will receive a refund within 7 to 10 working days.
Refund Policy Simplified:
- Products can’t be returned for a refund once purchased.
-
Refunds are issued in these cases:
- If you cancel your order before dispatch.
- If your order is returned to our operations centre after dispatch.
- If delivery fails or you reject the order and it’s returned to our operations centre.
- Customized orders can’t be cancelled or refunded.
- If a transaction fails and money is debited, write to customercare@mmtcpamp.com with a copy to contactus@invulb.com. If we received payment, we’ll initiate a refund within 7 to 10 working days.
- If your order gets lost in transit, we’ll try to locate it for 15 days. If found, we’ll deliver it. If not, we’ll refund the amount through the original payment mode.
- No other refunds are provided.
Returns Policy Simplified:
- We don’t accept product returns.
- If you receive a damaged or wrong product, you can request a return by calling our customer care. The product must be unused, in its original condition and packaging, and with the invoice. If the packaging is opened or tampered with, we won’t accept the return. Our courier partner will collect the order from your address.
- If you receive a different product, contact our customer service at 1800-313-182 182 or email at customercare@mmtcpamp.com After our internal review, you may return the product for a full refund or get it replaced with the correct product.
The Bureau of Indian Standards (BIS) checks the purity of gold when buying any gold product, one must ensure that the gold jewellery/coin is hallmarked by the Bureau of Indian Standards (BIS). Hallmarking is a certification by the Bureau of Indian Standards (BIS) that the gold is of a particular purity. MMTC PAMP gold and products are validated and certified by BIS.
No there is no lock in period for Gold/Silver purchases
Gold not only has a spot price, but it also has the LBMA Gold Price (London Bullion Market Association), as well as several regional prices. The LBMA Gold Price is used as an important benchmark throughout the gold market, while the other regional gold prices are important to local markets.
There are no charges to store the digital gold/silver purchased.
All Indian Residents & Non Resident Indians are eligible to purchase INVULB products.
As per Govt regulations, any customer purchasing gold worth more than Rs 2 lakhs in a day (single or multiple transactions) will need to quote PAN CARD. We will need PAN CARD details in such cases to process the orders. Name on invoice & PAN CARD should be the same. If PAN CARD is not shared, then the order will be cancelled. Our logistics partner may request for ID proof while delivering due to the high value nature of product. The person collecting will have to share ID proof to ensure safe and correct delivery.
MMTC PAMP gold is 99.9 % pure and 24K gold.
Yes, all orders are transit-insured. The physical vault is maintained by MMTC PAMP and the responsibility to maintain the metal is with MMTC PAMP.
Yes, it is standard procedure for customers to present valid identity and ownership proof when collecting physical gold. This ensures the security and authenticity of the transaction.
No it is not a possibility
In the unfortunate event of a customer’s demise during the tenure of the plan, the next of kin or legal heir can claim the gold with the necessary legal documents, including a death certificate and proof of relationship.
Rest assured, all Gold Investments are securely managed by our partner, MMTC PAMP. As a Government of India entity (MMTC) in partnership with PAMP, one of the leading Gold Refiners based in Switzerland, MMTC PAMP ensures the safety of your investments. In the unlikely event of liquidation, MMTC PAMP will assist with the gold you’ve invested in.
All the data is safe and secure as INVULB follows best Internet Security Protocols which is required to ensure the data is not misused. We also adhere all the regulatory requirements from the data security and safety point of view. The website will have the necessary Software Security License (SSL) that will be implemented. We additionally use Amazon Web Service (AWS) and hence will have their Security mandates in place to ensure the data is safe.
INVULB also would like to categorically state the data collected is not shared with any third party sites for any marketing purposes etc. The data is only shared as mandated with our Partners as they are the ones executing the various investments.
The Bureau of Indian Standards (BIS) checks the purity of gold when buying any gold product, one must ensure that the gold jewellery/coin is hallmarked by the Bureau of Indian Standards (BIS). Hallmarking is a certification by the Bureau of Indian Standards (BIS) that the gold is of a particular purity. MMTC PAMP gold and products are validated and certified by BIS.