Terms & Conditions: 5% Return on 1st-Time Gold Investment

Offer clarification: Begin your investments with a Welcome Bonus 5% Free Silver on your first Digital Gold purchase of ₹1,000+ on FatakPay (upto ₹150). Read the full campaign T&Cs below.

Offer & Eligibility

• Who can participate: Individuals aged 18+ with completed KYC on FatakPay.
• First-time definition: Applies only to a user’s first-ever Digital Gold purchase on FatakPay under the same KYC, device, and linked bank details.

Offer window: As communicated in-app/on the campaign page. FatakPay may modify or end the offer at its discretion.

Qualifying Investment

• Minimum amount: ₹1,000 or more in a single Digital Gold purchase.
• Channel: Must be completed inside the FatakPay app.

Successful order: Payment confirmed and gold units allotted in the FatakPay Gold ledger. Failed, cancelled, or refunded orders do not qualify.

Reward Mechanics

• Benefit: 5% Digital Silver on the qualifying first purchase, capped at ₹150.
• Examples: ₹1,200 gold buy → ₹60 silver; ₹4,000 gold buy → ₹150 silver (cap).
• Form of credit: Rupee value converted into silver units at the live buy rate at the time of credit.

Limit: One reward per eligible user; not transferable or encashable.

Fulfilment & Timelines

• Credit timeline: Reward is credited immediately in your Niwish account. Login to the app to view the digital silver credited.
• Amount: Amount credited is upon discretion of FatakPay and users are eligible for upto maximum  ₹150

Where to view: Reflected under Silver holdings in the FatakPay account.

Pricing, Charges & Risks

• Market-linked: Prices of gold and silver fluctuate; past performance does not guarantee future results.
• Taxes/charges: Applicable taxes and partner charges apply net units allotted may vary.

Partner & custody: Digital Gold/Silver on FatakPay is offered in partnership with Niwish; custody and buy/sell processes follow partner policies.

Fair Use, Fraud & Disputes

• Abuse prevention: Duplicate accounts, device switching, or attempts to claim multiple rewards for the same individual are prohibited.
• Right to withhold/reverse: FatakPay may withhold or reverse rewards in cases of suspected fraud, ineligibility, or policy breach.
• Final decision: FatakPay’s decision on eligibility and fulfilment is final and binding.

Support: Raise a ticket via the app with your transaction reference for queries.

How to Avail (Quick Steps)

1. Complete KYC on FatakPay.
2. Go to Gold → Buy ₹1,000+ Digital Gold (your first purchase on FatakPay).
3. Save payment confirmation.

Receive 5% Digital Silver (up to ₹150) within the stated timeline.

General Terms & Conditions

For platform-wide rules on obligations, refunds/cancellations, liabilities, dispute resolution, modifications, and other policies, please read General Terms & Conditions. Participation implies acceptance of these campaign-specific terms and the General T&Cs. FatakPay may modify, pause, or withdraw the offer with reasonable notice where practicable.