About Acru

What is Acru?

Acru is a Financial Wellness mobile only platform. It is a one-of a kind Micro-Saving & Investment Account akin to the familiar Piggy Bank  / Gulak / Uṇṭiyal. It enables an user to open an investment account electronically for investments into mutual fund schemes of the leading Asset Management Companies (AMCs) registered with SEBI.

What does Acru mean?

Acru is short for “accrue”, which means to accumulate. The Piggy Bank / Gulak / Uṇṭiyal  is a simple way to accumulate small amounts which was and is still used by many as a means for accumulating their savings.  Acru is a Digital Piggy Bank in short.

Can I trust Acru ?

The money that you invest or redeem through the Acru platform are directly credited to the respective Mutual Fund Accounts and no money is routed through or credited into Acru’s bank accounts.  The AMCs confirm the receipt or payment of the money as well as the transaction through SMS and email attaching the Statement of Account (SOA) directly to the user.  The transaction details are also made available to the user on the app.

Is Acru free?

We charge a convenience fees of Re.1 per day (or INR 30 per month) to cover for some of the third-party costs which we incur to ensure that you are firmly entrenched on the Financial Wellness journey. Upon sign-up, this fee is waived off for 6 months

How do I start

Where can I download the App?

The App is currently available only for users who have smartphones working on the Android Operating System. Search for Acru on Google Playstore on your phone to download the app. Once your mobile number is verified & we get your name and email id, you are registered as a user on Acru. Read the displays and follow the instructions to step onto your Financial Wellness journey.

What documents do I need to register my investment account?

SEBI guidelines mandates that all investors into Mutual Fund Schemes are Know Your Customer (KYC) compliant. Acru has a completely automated, seamless, paperless & online process for collecting documents that are required for completing the KYC.  Briefly, these documents include PAN Card, Identify & Address proofs, Bank Details (Account No., IFSC code), scanned signature & cancelled bank cheque leaf.  The process will also include geo tagging, a video verification & uploading a photograph (selfie or digital copy). At each step, the App will guide the user to complete the documentation.

If you are first time investor, you will need to make a token investment or INR 100 to complete the process of KYC.

What does Risk Profile mean?

Your Risk Profile determines the extent of your risk-taking ability. Acru has simplified the Profile into 3 categories – Low, Medium, High. Each of the risk profiles are defined and a user can choose the risk level to suit his / her profile.  The Mutual Fund Schemes are mapped to these 3 categories of risks to enable the user to select the scheme which fit into his / her risk profile. A user can change his / her profile anytime and accordingly the mutual fund schemes matching the profile selected would be displayed to the user.

How do I set up my Piggy Bank?

Setting up the Piggy Bank is a simple process. Click on the Total Piggy Bank Balance Bar on the Home Page or the Piggy icon in the dock at the base of the App; Click then on Change Settings;

  • You can change the Mutual Fund Scheme you want your savings in the piggy bank are invested by clicking on Change Mutual Fund
    • Choose the Mutual Fund using the Filters and click on Set Default Fund at the bottom of your screen.
  • Once your Fund is selected, you choose the way you accumulate money in your piggy bank by selecting your preference – Fixed, Percentage or Both
    • Fixed – this allows you to accumulate periodically ( select frequency – daily, weekly, monthly) a defined amount (select amount – minimum INR 100 to maximum INR 1 lakh) and transfer the accumulated amount(select invest – any amount up to INR 1 lakh subject to the minimum investment amount defined by the Fund) to the Selected Fund
    • Percentage – this allows you to accumulate a defined percentage of your digital transaction (select percentage – 2%, 5% or 10% subject to a minimum of INR 25) and transfer the accumulated amount(select invest – any amount up to INR 1 lakh subject to the minimum investment amount defined by the Fund) to the Selected Fund
    • Both – this allows you to accumulate moneys in your piggy bank using both the Fixed and Percentage ways detailed above

Can I Invest more?

Yes, you can invest more. Click on the Make Additional Investment bar on your Home page or the Invest icon on the dock at the bottom of the app. Using the filters, select the Mutual Fund scheme you want to invest, and the app will facilitate your investment into the selected scheme.

Will I get notifications for investments?

You will get notifications when amounts are credited to your Piggy Bank as well as when the accumulated amounts are ready to be invested. Click on the link in the notification or open the app and click on the notification highlighted on the Total Piggy Bank balance bar on your Home Page to complete the investment.

Please ensure that the notification setting is un-checked in the Settings to enable you to receive these notifications.

Can I invest more in a scheme which I have already invested earlier?

Yes, you can invest into the scheme you have already invested earlier. Click on the Overall Portfolio bar on your Home screen and browse the investment you want to invest.  Click on Invest and you will be able to invest more into the same scheme under the same folio.

How can I redeem my investments?

You can redeem your investments anytime. Click on the Overall Portfolio bar on your Home screen and browse the investment you want to redeem.  Click on Redeem and you will be able to redeem either partially or all the units in the scheme.  The redemption request will be sent to the Scheme’s registered transferring agent (RTA) and the proceeds will be credited to your Bank Account which shared at the time of registration.  However, please note the time taken (T + n days; T= date of submitting the redemption request) for receiving the redemption proceeds are defined by the Scheme documentation and also basis the cut-off times defined for redemption requests defined by the AMCs.

What is Flexi SIP?

ACRU’s Flexi SIP allows user to save systematically and change the savings / investment plan as the goals or situations change.

SIPs offered by other platforms and Mutual Funds directly do not allow for change in any of the parameters (Scheme, Amount, Tenor, Day/Date).  Any change requires the user to cancel the SIP and set-up a new one.

The flexibility to change (without cancelling) the Fund/Scheme, the SIP Tenor, the Day / Date of SIP, the Amount and to Stop or Re-start the SIP whenever the user desires  is unique and available only on the ACRU platform

How do I set-up a Flexi SIP?

Setting up the Flexi SIP is a very simple.

  • Click on Save icon in the bottom dock on the Home page.
  • Click then on Flexi SIP in the next page.
  • Click on “Setup a Flexi SIP”
  • Select Fund on which you want to set-up the Flexi SIP
  • Select the Frequency and the Amount and click on “Setup SIP”. Your Flexi SIP is set-up.

How do I change any of the parameters or stop a Flexi SIP which is already set-up?

Go the Flexi SIP page.  All the Flexi SIPs set-up by you will be displayed.

  • If you want to change the parameters Click on “Reset” on the Flexi SIP that you want to change.  It will take you to the same screen as when you click “Setup a Flexi SIP”.  Make the changes, click on “Setup SIP” and your changes will be implemented from the next SIP date.
  • If you want to stop a Flexi SIP, click on “Stop Flexi SIP” on the Flexi SIP that you want to stop.  Confirm your action and that Flexi SIP will be stopped.

What is the Piggy Bank?

Piggy Bank on ACRU is a virtual account where your loose change of your digital spends are accumulated

Each time you execute a financial transaction digitally through your mobile which could be a payment for a purchase (online or offline), a utility payment or a remittance, ACRU accumulates the “loose change” to your virtual account based on a pre-defined (defined by you) Round-off Principle;

You define the rounding-off algorithm – which could be 2%, 5% or 10% of the transaction value or a minimum deposit either daily or weekly or monthly starting from INR 100 or the round-up amount to the nearest next hundred.

For e.g. If you pay a vendor bill value of INR 447, round-off algorithm will allocate, say 10% of the payment i.e. INR 45 to your Virtual Account.

You also define the minimum investment amount of either INR 100, 500, 1000 or 3000; as and when the Virtual Account accumulates a balance of this defined minimum investment amount, ACRU automatically transfers the amount to your predefined Mutual Fund using the Unified Payment Interface App (UPI App – either BHIM, PhonePe, etc.) installed on your phone.

Security & Privacy

Does Acru share my details with others?

No, Acru does not share the personal details with others excepting with KYC Registering Agents , AMCs & their Registered Transfer Agents (RTAs) for the purposes of executing your investment or redemption transactions.

Why does Acru access my SMS notifications?

Acru accesses only your financial SMS notifications to facilitate accumulation of moneys in your Piggy Bank and understand your transaction pattern so that we could suggest MF options in future.

Why does acru show foreground service on the screen all the time?

Acru has to be running as a foreground service to enable it to access your digital transactions and facilitate accumulation of money in your piggybank.

About Acru Digital Gold

What is ACRU Digital Gold ?

ACRU-Digital Gold is a convenient and cost-effective way of purchasing gold online. You can buy, sell, and accumulate gold of 99.99% purity, even in, fractions anytime using ACRU. The provider you can buy the gold from is MMTC- PAMP. When buying gold from ACRU, you have the option to:

  • Buy Gold in grams or for any amount of your choice starting at Rupee 1, The gold will be stored in a secure bank-grade digital locker by the gold provider. You can choose to sell your stored gold or have it delivered to you.
  • Buy a gold coin or bar. The gold coin or bar will be delivered to you within 7 to 10 working days from the date of purchase.

What is Gold accumulation plan (GAP)?

  • The GAP allows you to purchase gold using your ACRU account for as low as Re.1/-
  • You can buy & sell in fractions for example. 0.1 gm or in Rupees, for example Re.1 or Re. 2 etc
  • You may purchase gold 24 hours a day, 7 days a week, 365 days a year, including public and bank holidays
  • You will be able to see the live price of Gold, real time on ACRU platforms including website, mobile application etc. in order to make your decision
  • You can redeem accumulated gold in the form of gold coins/minted products.
  • You can also sell back your gold holdings to MMTC-PAMP through ACRU platform at the rate displayed on the ACRU platform This money gets credited into the bank account details provided by you.
  • This is not a Collective Investment Scheme or a systematic investment plan – you will not earn any interest on your investment, and you will not be required to put in monthly installments for the same

Who is MMTC-PAMP India Private Limited?

  • MMTC-PAMP India Pvt. Ltd. Is a joint venture between MMTC Limited, a Govt. of India undertaking and PAMP Switzerland, global leader in refining bullion and global referee for precious metals. For more details, please visit: http://www.mmtcpamp.com/
  • MMTC-PAMP is India’s first and only London Bullion Market Association (LBMA) Good Delivery accredited Gold & Silver refinery.

Are the coins hallmarked?

  • Across the world, the standard for the highest quality gold is set by an organization called the LBMA
  • LBMA stands for London Bullion Market Association, which is an international trade association representing the market for gold and silver Bullion with a global client base. LBMA’s main role is setting and maintaining global standards for gold and silver, universally recognized as the de-facto standard of quality assured and assayed bullion. For more details, please visit: http://www.lbma.org.uk
  • Note that MMTC-PAMP is a BIS certified refinery. Hallmarking is done for only Gold items of 14, 18 and 22K. 24K Gold is not hallmarked.

Is ACRU legally allowed to sell Gold on their Platform?

The seller is MMTC-PAMP India, India’s largest gold refinery. ACRU is only providing a platform for the customer to access the Gold accumulation plan.

Who is the custodian of my gold till withdrawal?

  • At no point does the ownership of your accumulated Gold transfers to either ACRU or MMTC-PAMP.
  • MMTC-PAMP is the custodian of your accumulated Gold, right from the point you buy Gold in GAP on ACRU.
  • We secure your gold in physical form until you redeem the gold.
  • The Locker is fully insured for all eventualities.

Is it possible to store my withdrawn gold coins and bars in safe custody and have them delivered later?

Once you place a redemption request, you have to accept the delivery made to you. It cannot be made at a later date.

Is there any frequency at which I need to make transactions to keep my account active? Alternatively, what makes my account inactive?

  • In case there has been no transaction made through your account for 6 continuous months, either a buy, sell or redemption, your account will be deemed inactive.
  • In such a case, you will be sent a notification to make a transaction on your registered mobile number and email.
  • We will reserve the right to close down the account if your account has been inactive. In such cases the gold held in your account will be liquidated at the “sales price” derived by MMTC-PAMP on the day of liquidation and the complete amount from these proceedings will be kept separately in a “dedicated GAP account” maintained by MMTC-PAMP.
  • You can claim the amount by reaching out to MMTC-PAMP and providing relevant ID proofs and account details for settlement.

What tax implications do I have, if I accumulate Gold on ACRU?

  • At the time of purchasing, selling and redeeming Gold, all applicable taxes are included in your invoice.
  • These taxes are over and above the displayed price of the gold

Are my Gold account details shared with any tax authorities?

No. In case of any enquires by government authorities, we will have to provide the requested information.

Can I visit the vault to inspect my Gold physically?

No. However, you can view recordings of our facility.

How do I open my account for GAP?

  • You need to be a registered ACRU user with a valid Mobile number followed by real time OTP.
  • Using your ACRU log in, you can access the Gold powered by MMTC-PAMP plan.
  • Once you click on the Digital Gold icon, you will be prompted to enter your name and expected delivery pin code. If we service the pin code entered by you, you will be enrolled in the plan.
  • If not, you will not be able to buy Gold.

What are the documents I need to submit for accumulating Gold?

  • You will need to submit your name, registered mobile number and pin code at the time of initiating your accumulation of Gold. In case your cumulative transaction value in the GAP account crosses INR 50,000, you will be required to adhere to the prevailing KYC norms.
  • In case a single transaction value crosses INR 2 lakhs, you will be required to submit your Pan Card details.

What if any of my KYC details are changed?

It is your responsibility to update KYC with ACRU

What are the registration fees for GAP?

There is no registration fee; registration for GAP is free of cost. Any valid ACRU account holder can participate in this plan.

How do I close my account?

  • Login to your account.
  • Ensure your metal balance is NIL by withdrawal of any balance and by taking delivery of any withdrawn gold in storage.
  • Inactive accounts with zero balance will be deemed closed automatically

What happens if I do not respond to your email to make a transaction?

MMTC-PAMP reserves the right to liquidate the Gold holding and treat the proceeds in accordance with applicable laws. A customer account will be treated as inactive if no transactions happen in 6 months.

How many attempts will you make to reach out to me? Your email could go to my spam or I could miss it and not receive your message?

It is your responsibility to be available on your phone and/ or on contact address.

Account information

  • You are responsible for keeping your ACRU account details in a secure manner corresponding to existing ACRU terms and conditions,
  • MMTC-PAMP will act solely on instructions received on the ACRU platform, and will not be liable for any losses/ liabilities due to a breach/misuse of your ACRU account

How can I be assured that the gold coins delivered to me are genuine and trust worthy?

  • The gold coins are directly dispatched from MMTC-PAMP manufacturing unit.
  • All the coins are delivered in sealed tamper proof packaging.
  • All the dispatches are camera recorded at the time of dispatch.
  • In case of any issues, contact customer care service

What will you do with my Gold, if I die?

In such case, it becomes the customer’s legal heir’s responsibility to inform ACRU/ MMTC-PAMP. The account will then be closed and the legal heir has to take a physical delivery.

In case of any natural disaster, if the Gold in MMTC-PAMP vault is destroyed or in case of theft, will I lose all the money used in buying my accumulated Gold?

No. You will not lose your money. The Locker is fully insured for all eventualities.

What is 24k Gold?

9999 gold is the purest form of Gold used for trading purposes across the world. 24 karat gold is of 99.99% purity.

How is the purity of Gold ensured?

MMTC-PAMP, the seller of Gold on ACRU, is BIS certified refinery and provides 24k 9999 fine gold which means that purity is at least 99.99%.

How do I buy gold?

You can buy Gold in few simple steps

  • Click on Digital Gold icon on ACRU app
  • Enter amount of Gold you want to purchase in Rupees or grams
  • Pay with UPI/Netbanking payment mode to complete your gold purchase and gold will be added instantly to your gold locker.

You can view your gold balance by clicking Digital Gold icon on homepage and also by clicking on portfolio. You can view all your digital gold transactions by clicking on Activity icon on bottom navigation bar.

What is the live gold price?

Live rate of Gold means the Gold rate in Indian rupees per gram of 9999 fine Gold, as posted from time to time, inclusive of duty, inclusive of taxes, exclusive of product manufacturing/making charges, delivery charges.

How often does the live price change?

The live price is updated frequently.

How long is the live price valid for completing a transaction?

The live price, at which you choose to buy Gold, will be valid for 5 minutes from the time of you clicking on the option to buy. In case you fail to complete the transaction by making the payment, you will be redirected to the new live price, at which point you can restart the transaction to make a fresh offer to buy.

What modes of Rupee payments are accepted?

  • UPI
  • Net Banking
  • Or any other mode of payment as ACRU may make available on their platform

Where is my ACRU-Gold stored?

Your ACRU-Gold account comes with a secure locker in MMTC-PAMP Vaults free of cost. The gold purchased is stored in these lockers and are 100% insured. You can now accumulate gold without worrying about safe keeping of the gold and the hefty fees involved in traditional lockers.

After purchasing gold, when can I see gold grams credit into my metal account?

  • After making the payment, when MMTC-PAMP accepts your offer to buy, you will receive an invoice and the said quantity will be reflected in your ACRU-Gold account under Holding’s balance.
  • In the rare event of any non-availability of metal or instances of technical failure, MMTC-PAMP may reject your offer to buy. The amount paid by you will be refunded as per the ACRU norms.

Where can I find the invoice for my order?

  • To download invoice for successful order, please visit the Transaction History tab in ACRU-Gold Home page, click on your order and view invoice.
  • Invoice is also sent as an attachment in the order confirmation email.
  • Invoices are available only for Buy/Sell/Gold back & Delivery orders. Gifting is just gold transfer from one account to another and hence no Invoice gets generated in this case.

Can I cancel my gold purchase?

Once Gold Seller (MMTC-PAMP) has accepted your offer to buy, cancellations or refunds are not allowed.

What is the maximum period for which MMTC-PAMP will store my Gold?

  • You can buy and store your gold for a period of 5 years from the date of purchase with us.
  • This will be kept in safe custody
  • You can sell/withdraw your gold anytime within these five years.
  • When you want to withdraw your gold, you have to select in which denomination you want to withdraw it. You will have a range of minted products to choose from.
  • Once this duration is complete, it is mandatory to sell or take delivery of the respective quantity.
  • In case of multiple purchases on different dates, you can keep your gold with us for 5 years from the date of purchase for each specific transaction. If you redeem your gold after the Custody Period of five years, additional charges, as applicable at that time will be levied

How do I sell the Gold I have accumulated?

  • Select the sell gold icon on the Digital Gold homepage.
  • Choose the Gold Locker balance you wish to sell – MMTC-PAMP
  • Enter the amount of gold you want to sell in Rupees or Grams, with minimum of Re 1 or 0.0005 gram respectively.
  • Enter and confirm your bank details where you want the money to be transferred post selling of Gold.
  • The quantity you have offered to sell will then be deducted from your respective Gold balance and your transfer would be initiated. It might take up to 72 hours for the amount to get credited to your bank account.
  • In the rare event of any technical failure, MMTC-PAMP may reject your offer to sell. The quantity offered by you to sell will be credited as per ACRU norms in your Gold account.

Why is the sell price lower than buy price?

Buy and Sell Gold prices are given in real time by MMTC-PAMP. As per Gold sellers, this is standard Bullion Industry and Trade practice.

Can I cancel my sell order?

Once Gold Seller (MMTC-PAMP) has accepted your offer to buy, cancellations are not allowed.

Why does it take 72 hours to credit my bank account for my gold sell transaction?

To ensure that your gold is secure, we closely monitor your sell transaction for any risk. Thus, in certain cases, we introduce a safety period and credit the amount to your bank account after 72 hours of your sell transaction. Nonetheless, the gold balance from your ACRU account will be deducted instantaneously so that you do not miss out on the current gold price.

How do I send or Gift gold?

  • Click on “Gift” icon on the Gold homepage.
  • Enter the Mobile number to whom Gold needs to be gifted, along with Amount of Gold gift in Rs or in Grams. It is compulsory for the recipient to be registered member on ACRU to receive the gift.
  • On Proceed, Choose the Gold Locker/Holding Balance from which Gold needs to be gifted.
  • In case of insufficient balance in respective Gold locker, you can still proceed & add required amount of gold to send Gift.
  • Your Gift will be sent instantly and Receiver will get notified through SMS.

Where can I see the send/receive gold transactions?

You can view all your gold transfers in the Transaction History tab.

Why am I not able to receive gold?

You do not have a ACRU account associated with the mobile number the sender is trying to send. Open a ACRU account with your mobile number to accept the Gold.

Buying 24k Gold

What is 24k Gold?

9999 gold is the purest form of Gold used for trading purposes across the world. 24 karat gold is of 99.99% purity.

How is the purity of Gold ensured?

MMTC-PAMP, the seller of Gold on ACRU, is BIS certified refinery and provides 24k 9999 fine gold which means that purity is at least 99.99%.

How do I buy gold?

You can buy Gold in few simple steps

  • Click on Digital Gold icon on ACRU app
  • Enter amount of Gold you want to purchase in Rupees or grams
  • Pay with UPI/Netbanking payment mode to complete your gold purchase and gold will be added instantly to your gold locker.

You can view your gold balance by clicking Digital Gold icon on homepage and also by clicking on portfolio. You can view all your digital gold transactions by clicking on Activity icon on bottom navigation bar.

What is the live gold price?

Live rate of Gold means the Gold rate in Indian rupees per gram of 9999 fine Gold, as posted from time to time, inclusive of duty, inclusive of taxes, exclusive of product manufacturing/making charges, delivery charges.

How often does the live price change?

The live price is updated frequently.

How long is the live price valid for completing a transaction?

The live price, at which you choose to buy Gold, will be valid for 5 minutes from the time of you clicking on the option to buy. In case you fail to complete the transaction by making the payment, you will be redirected to the new live price, at which point you can restart the transaction to make a fresh offer to buy.

What modes of Rupee payments are accepted?

  • UPI
  • Net Banking
  • Or any other mode of payment as ACRU may make available on their platform

Where is my ACRU-Gold stored?

Your ACRU-Gold account comes with a secure locker in MMTC-PAMP Vaults free of cost. The gold purchased is stored in these lockers and are 100% insured. You can now accumulate gold without worrying about safe keeping of the gold and the hefty fees involved in traditional lockers.

After purchasing gold, when can I see gold grams credit into my metal account?

  • After making the payment, when MMTC-PAMP accepts your offer to buy, you will receive an invoice and the said quantity will be reflected in your ACRU-Gold account under Holding’s balance.
  • In the rare event of any non-availability of metal or instances of technical failure, MMTC-PAMP may reject your offer to buy. The amount paid by you will be refunded as per the ACRU norms.

Where can I find the invoice for my order?

  • To download invoice for successful order, please visit the Transaction History tab in ACRU-Gold Home page, click on your order and view invoice.
  • Invoice is also sent as an attachment in the order confirmation email.
  • Invoices are available only for Buy/Sell/Gold back & Delivery orders. Gifting is just gold transfer from one account to another and hence no Invoice gets generated in this case.

Can I cancel my gold purchase?

Once Gold Seller (MMTC-PAMP) has accepted your offer to buy, cancellations or refunds are not allowed.

What is the maximum period for which MMTC-PAMP will store my Gold?

  • You can buy and store your gold for a period of 5 years from the date of purchase with us.
  • This will be kept in safe custody
  • You can sell/withdraw your gold anytime within these five years.
  • When you want to withdraw your gold, you have to select in which denomination you want to withdraw it. You will have a range of minted products to choose from.
  • Once this duration is complete, it is mandatory to sell or take delivery of the respective quantity.
  • In case of multiple purchases on different dates, you can keep your gold with us for 5 years from the date of purchase for each specific transaction. If you redeem your gold after the Custody Period of five years, additional charges, as applicable at that time will be levied

Selling Gold

How do I sell the Gold I have accumulated?

  • Select the sell gold icon on the Digital Gold homepage.
  • Choose the Gold Locker balance you wish to sell – MMTC-PAMP
  • Enter the amount of gold you want to sell in Rupees or Grams, with minimum of Re 1 or 0.0005 gram respectively.
  • Enter and confirm your bank details where you want the money to be transferred post selling of Gold.
  • The quantity you have offered to sell will then be deducted from your respective Gold balance and your transfer would be initiated. It might take up to 72 hours for the amount to get credited to your bank account.
  • In the rare event of any technical failure, MMTC-PAMP may reject your offer to sell. The quantity offered by you to sell will be credited as per ACRU norms in your Gold account.

Why is the sell price lower than buy price?

Buy and Sell Gold prices are given in real time by MMTC-PAMP. As per Gold sellers, this is standard Bullion Industry and Trade practice.

Can I cancel my sell order?

Once Gold Seller (MMTC-PAMP) has accepted your offer to buy, cancellations are not allowed.

Why does it take 72 hours to credit my bank account for my gold sell transaction?

To ensure that your gold is secure, we closely monitor your sell transaction for any risk. Thus, in certain cases, we introduce a safety period and credit the amount to your bank account after 72 hours of your sell transaction. Nonetheless, the gold balance from your ACRU account will be deducted instantaneously so that you do not miss out on the current gold price.

Gifting Gold

How do I send or Gift gold?

  • Click on “Gift” icon on the Gold homepage.
  • Enter the Mobile number to whom Gold needs to be gifted, along with Amount of Gold gift in Rs or in Grams. It is compulsory for the recipient to be registered member on ACRU to receive the gift.
  • On Proceed, Choose the Gold Locker/Holding Balance from which Gold needs to be gifted.
  • In case of insufficient balance in respective Gold locker, you can still proceed & add required amount of gold to send Gift.
  • Your Gift will be sent instantly and Receiver will get notified through SMS.

Where can I see the send/receive gold transactions?

You can view all your gold transfers in the Transaction History tab.

Why am I not able to receive gold?

You do not have a ACRU account associated with the mobile number the sender is trying to send. Open a ACRU account with your mobile number to accept the Gold.