Merchant Information

Merchant information

For payment partners and reviewers: who we are, what customers pay for, how money and gold move, and where every policy lives. No login needed.

Merchant identity

Legal name (merchant of record): SMG Horizon Services Private Limited
Brand: Save My Gold
Constitution: Private limited company
CIN: U82300KL2026PTC104727
Date of incorporation: 15 July 2026
PAN: ABUCS3875M
GSTIN: 32ABUCS3875M1ZH
GST registration: Regular, effective 14 September 2026
Registered office & principal place of business: 36/267, Mannath Building, Thrikkakara,
Ernakulam, Kerala 682021
Directors: Noushad Nellanchery and Jaseera Nellancheri
Website: smghorizon.com
App website: To be published

Official contacts

Support email: [email protected]
Support phone: +91 98951 00022
Support hours: Monday to Saturday, 8 am to 8 pm IST
Grievance officer: Noushad Nellanchery
Grievance email: [email protected]

Bank account details, contracts, gateway credentials and customer KYC records are never published here. They're shared with payment partners only through secure underwriting channels.

Service status

Every button on this website reflects this status.

Gold coin orders: Not yet live
Digital gold purchases: Not yet live
Sell-back & bank payouts: Not yet live
Live rates: Not integrated
Custody arrangements: Being finalised
Digital gold → coin conversion: Not offered
Legal policies: Approved
Payment gateway: Underwriting not complete

What customers pay for

SMG Horizon Services Private Limited sells gold to retail customers in India through the Save My Gold app for Android and iOS, as physical coins and as digital gold, and buys digital gold back on request. We disclose all of this openly.

Gold coins

Customers pay SMG for physical gold coins at a quoted price: gold value, making charges, GST and shipping. SMG invoices and ships the coins by secure courier.

Digital gold

Customers pay SMG for a quantity of gold. After payment, SMG confirms physical gold from inventory or its supplier (Malabar Gold & Diamonds), invoices it and allocates it to the customer in custody (To be published).

Sell-back with bank payouts

Customers may sell eligible digital gold back to SMG at a disclosed buyback rate. SMG pays the customer's verified bank account. This is a separate purchase by SMG, not a refund.

What payments are not

Payments are not deposits, wallet top-ups, subscriptions, instalment schemes or investments with returns.

Registered business objects

From the company's Memorandum of Association, clause III(a), as altered by special resolution dated 14 September 2026:

Precious metals: purchasing, selling, trading and dealing in gold, silver, bullion, coins and other precious metals through online and digital platforms, websites and mobile applications, and operating technology platforms that let customers purchase, hold, sell and redeem them, subject to applicable laws, rules, regulations and approvals. Save My Gold operates under this object.
Electrical and electronic goods: manufacturing, trading, distributing, servicing and dealing in electrical and electronic goods, appliances and allied products. This is not part of the Save My Gold service.

Company records can be checked on mca.gov.in (by CIN) and the GST portal (by GSTIN).

How money and gold move

Step	Money	Gold	Customer record
Quote	None	None	Price, charges, GST, expiry
Payment	Customer → SMG via hosted checkout	Not yet allocated or shipped	“Payment received”
Procurement	SMG → supplier (if not from stock)	Physical gold or coins confirmed	Processing
Coin dispatch	None	Coins shipped by secure courier	GST invoice, tracking, “Delivered” on handover
Digital allocation	None	Allocated to customer, held in custody	GST invoice, allocation reference
Order can't be completed	Full refund SMG → original payment method	None	“Cancelled — refunded”
Sell-back	SMG → customer's verified bank account	Ownership returns to SMG	Sell-back advice, payout reference