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What is Digital Silver?

Digital Silver is a modern and convenient way to invest in silver without the need for physical storage. When you purchase Digital Silver, you own real, high-purity silver, which is securely stored in insured vaults. This allows you to benefit from silver’s value appreciation while avoiding the hassles of physical ownership. With low entry barriers, instant liquidity, and transparency, Digital Silver is an excellent investment option for portfolio diversification.

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Features and Benefits of Digital Silver

Affordable Investment

Start with a minimum investment of ₹10

Secure Storage

Your silver is safely stored in insured vaults

Easy Buying & Selling

Trade silver anytime, anywhere

Real-Time Market Pricing

Transparent and competitive rates

Hedge Against Inflation

Silver helps protect wealth over time

Why Should You Buy Digital Silver?

Feature Digital Silver Physical Silver
Storage
Secure vaults Needs safe storage
Liquidity
Buy & sell anytime May require physical transport
Security
Fully insured Risk of theft/damage
Investment Size
Start with ₹10 Higher upfront cost

How to Buy or Sell Digital Silver?

1step

Create an Account

Register with your basic details

2step

Download the ABCD App

Available on Play Store & App Store

3step

Go to Investments

Select the ‘Digital Silver’ option

4step

Enter Investment Amount

Choose how much silver you want to buy

5step

Make Payment

Complete the purchase securely

6step

Sell Anytime

Convert digital silver to cash or redeem as physical silver

Start investing today
and grow with ABCD

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FAQs on Digital Silver

Digital Silver allows users to invest in 999.9+ pure Silver online, without the need to store physical Silver. Your investment is backed by physical Silver stored securely in vaults, and you can choose to convert it into physical Silver or sell it digitally at any time.

MMTC-PAMP is one of the leading precious metal refiners and storage providers in India. They manage the physical Silver reserves for your Digital Silver and ensure its safe storage in secured vaults.

You can invest in Digital Silver through the ABCD app by following these steps:

  • Go to the app and click on "Buy Silver."
  • Choose the amount you want to invest, either in grams or rupees.
  • Make your payment via UPI, Net banking, or debit card.

To start investing in Digital Silver, you’ll need a verified mobile number and your name, which are typically available from your registration in the ABCD app.

For users who are not PAN verified, for a transaction above ₹10,000 or when your total holdings exceed ₹10,000, your PAN will be required to help ensure secure transactions and prevent fraudulent activity.

You can choose from a variety of payment methods, including UPI, bank transfers and debit cards.

Yes, you can sell part or all your recently purchased Silver after 72 hours cooling period at the current live selling price.

After purchasing Digital Silver, an equivalent amount of physical Silver is stored securely in your name in vaults managed by MMTC-PAMP. You can sell it back digitally or request physical Silver delivery whenever you choose.

This is because a 3% GST is charged when you buy Digital Silver, similar to purchasing physical Silver. Your total amount paid includes GST, but the dashboard reflects only the market value of your Silver, which is initially lower due to the GST.

Yes, you can convert your Digital Silver into 999.9+ pure Silver at any time. You can choose from various denominations, and the Silver will be delivered to your doorstep. Note that delivery and making charges apply; you will be asked to pay these charges separately in case of redemption via coins and bars.

Yes, you can purchase Digital Silver anytime. However, you can only sell the Silver after a 3-day cooling period from the purchase date.

The difference between the buying and selling price is due to the inclusion of making charges, taxes, and market fluctuations, which affect both the cost of buying and the selling price of Silver.

Orders can only be cancelled before they are shipped. Once they are shipped, cancellation is not allowed.

If for any unforeseen circumstance your transaction fails and money is debited, you will receive a refund within 5-7 working days if your order is not confirmed.

Once an order is confirmed, changes to the delivery address may not be possible. Please double-check the delivery details before completing the order.

For such unforeseen circumstance, you can contact customer support by emailing care.digital@adityabirlacapital.com or calling toll-free at 1800-270-7000 for assistance. The Silver will be added to your account within 5-7 working days. In case of any technical glitch present at the time of purchase the refund will be initiated instantly and your account will be credited within 5-7 working days.

We do not allow exchange of our products.

You can track your order by going to the Order Details section in the app. Select Track Order to view delivery details, including the order date, estimated delivery date, and shipping status.

The time taken for delivery depends on the destination location or pin code. We try to ensure that orders are delivered with 7-10 working days. Orders placed before 2pm will be shipped the same working day. Orders placed after 2pm 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. In case you have not received your Silver after 7 days, please drop us a mail at care.digital@adityabirlacapital.com or call us on our toll-free number 18002707000 for assistance. Do not accept the Silver delivery if you find the package has been tampered with or the seal has been broken

You may either redeem it in cash in your account or in physical form via coins and bars.

Yes, all orders are transit-insured.

Delivery charges for all deliveries is flat 165. The delivery cost is included in the making charges amount. You only need to pay the making charges.

No transaction costs apply. However, a 3% Goods and Services Tax (GST) is applicable on your purchase. If redemption is via coins and bars, you are required to pay nominal making and delivery charges.

If you have any questions or issues, you can contact customer support by emailing care.digital@adityabirlacapital.com or calling toll-free at 1800-270-7000 for assistance.

Product in grams

Making Charges

Making Charges + GST

Delivery Charges with GST

Total

5

70

82.6

165.2

247.8

10

130

153.4

165.2

318.6

20

250

295

165.2

460.2

50

500

590

165.2

755.2

100

900

1062

165.2

1227.2

 

Charges may vary based on market fluctuations.

The delivery partner may attempt to redeliver the Silver or contact you for further instructions but in case customer not available at home after multiple delivery attempts or for any other reason delivery fails, orders will be refunded within 7 days of receiving the product back with us

If in case your order is not delivered for the following reason but not limited to any of the following reason, orders will be refunded within 7 days of receiving the product back with us: Customer not available at home after multiple delivery attempts Unexpected delays due to local conditions in delivery location etc Force Majeure

In the highly unlikely event of your order getting lost in transit, we will wait for 15 days to track your lost order. If we are successful in locating the order, we will proceed with delivery. If we are unsuccessful, we will process the refund through the original payment mode used to pay for the order.

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 catalogue page.

Yes, we occasionally offer promotions and discounts on DigiSilver gifting, especially during festive seasons. Keep an eye on the app’s promotions section for any current offers.

Once the gift is sent, it cannot be modified or canceled. We advise you to carefully check the recipient’s details and the gift amount before confirming your purchase.

Yes, you can send Silver as a gift. When redeeming, select the "This is a gift" checkbox, enter the recipient’s delivery address, and complete the order. The Silver coins or bars will be delivered directly to the recipient’s address.

Yes. When you enter a new delivery address during the gift redemption process, it will be saved for future transactions and tagged as a "Gifted Address."

DigiSilver on the ABCD App is securely stored in a vault and fully insured, offering peace of mind to both the sender and recipient.

Simply select the DigiSilver gifting option on the ABCD App, choose the amount or weight of Silver you’d like to gift, enter the recipient's details, and confirm your payment. The recipient will receive a notification to accept the gift on their end.

The time taken for delivery depends on the destination location or pin code. We try to ensure that orders are delivered within 7-10 working days. Orders placed before 2pm will be shipped the same working day. Orders placed after 2pm 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.

Yes, we occasionally offer promotions and discounts on DigiSilver gifting, especially during festive seasons. Keep an eye on the app’s promotions section for any current offers.

The recipient will get a notification from the ABCD App to accept the gift. Once they accept, the gifted DigiSilver will be credited to their account.

Once gifted, Silver via the ABCD App is stored securely in the recipient’s account. Recipients can sell, redeem and gift to someone else at any time as per the app's guidelines (After 72 hours lock-in period).

There are no charges present on Silver gifting.

Yes, there are minimum and maximum limits for DigiSilver gifting, which vary based on current Silver rates and transaction policies. Please refer to the DigiSilver gifting section in the app for the latest limits.

DigiSilver gifting offers several benefits:

  • Convenience: You can gift instantly from anywhere, anytime.
  • Security: The digital format means no risks associated with storing physical Silver.
  • Value Appreciation: Recipients benefit from potential long-term value growth of Silver.

If the recipient doesn’t have an ABCD App account, they’ll be prompted to download the app and create an account to receive the DigiSilver gift. The gift will be available to them once their registration is complete.

You’ll need the recipient’s delivery address and contact number. You can also add a personalized note, which the recipient will see upon receiving the gift.

DigiSilver gifting allows you to buy and gift Silver digitally, directly through the ABCD App, giving you an easy, secure way to send Silver to friends or family.

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