What is FatakPay?
FatakPay is more than just a digital lending platform. It’s a financial wellness app designed for India’s blue-collar and gig workforce. With features that go beyond instant salary access, FatakPay allows users to start investing in digital gold and silver for as little as ₹10. This accessibility is transforming how workers traditionally excluded from formal investing avenues begin building long-term wealth, one gram at a time. FatakPay’s commitment to financial wellness helps bridge the financial inclusion gap for India’s working class.
What Are the Current Trends in New Investors?
India’s blue-collar workforce is increasingly looking for ways to create future financial security. Here’s what the July 2025 data reveals:
- Steady First-Time Investment Interest
Every day, around 5% of active users explore the digital gold section on FatakPay. - Instant Action
Of those exploring, 3–5% make their first investment the same day, indicating high trust and ease of access. - Low Entry Barrier is a Big Win
The average investment size for first-timers is ₹600+, showing that low-ticket entry points are enabling broader participation. - Trust-Building Through Simplicity
Users are attracted by the transparent process, lack of paperwork, and familiarity with gold as a trusted store of value. - Growing Monthly Investment Habit
On average, new investors transact 1.5 times a month, showing an early but developing habit of saving. This shift aligns with financial wellness and long-term planning for many blue-collar workers.
What Are the Current Trends in Existing Investors?
Once they start, blue-collar investors are showing a deepening relationship with digital gold:
- Repeat Investors Show Strong Affinity
They transact about 4 times a month, indicating digital gold has become part of their routine financial habit. - Rising Investment Value
From just ₹600 initially, repeat users now invest an average of ₹2,600+ per month, a 15x jump since January 2025. - Weekly Investing Behavior
These users are investing ₹1,400 per week on average, reflecting growing comfort and consistent income use. - Higher Value, Higher Trust
The average investment value has gone up by 10% in just the last six months, now touching ₹1,500 per transaction. - Digital Gold = Long-Term Goals
Users are no longer viewing it as a trend. Many are consciously choosing gold to build wealth for their children’s education, emergencies, or eventual financial independence.
Why This Trend Matters
In the words of Abhishek Gandhi, Co-founder & CBO of FatakPay:
“Digital gold is not just a product; it’s a stepping stone for millions towards long-term financial inclusion. Our blue-collar users are proving that intent, not income, drives wealth-building.”
Since its launch in May 2022, FatakPay has disbursed over ₹1,500 crore across 30 lakh+ transactions, serving 2 crore+ Indians, many of whom are first-time investors.
Want to Start Your Gold Journey Too?
With FatakPay, you can start investing in digital gold or silver from just ₹10, anytime, anywhere with no documents, no jargon.
Start investing here
Whether you’re planning for your child’s future, a personal goal, or just want to save smarter, FatakPay makes it possible. And, if you’re curious about how our FatakPay campaigns are helping users invest smartly, feel free to explore them.
