SIP · coming soon
Build a gold habit, one step at a time.
Coins & Bars SIP is being designed to let you buy gold or silver regularly, on a schedule that suits you. It is not open yet, and this page is an explanation rather than a sign-up.
Nothing here starts a plan
Coming soon
No payment is taken, no mandate is created, no bank instruction is collected and no metal is being held for anyone. The pause and cancel rules are not final either. There is no waitlist to join — when it opens, the terms will be published first.
This asks you to sign in first, and brings you straight back here. Nothing is charged or committed by signing in.
How SIP works.
Five steps, in the order you would meet them. Watch the fourth: only the first instalment can be worked out, because it is the only one whose rate exists.
Metal
GoldSilver
Each instalment
₹2,000
The same amount every time
Only the first instalment can be worked out, because it is the only one with a validated rate available today. Every later instalment would be calculated using the validated rate available on that purchase date — which nobody knows yet, so this page leaves it blank rather than guessing.
In your account
Each completed instalment would be listed as its own order, with the date it ran, the rate it used and the weight it came to. There is no balance, no holding and no running total — Coins & Bars sells physical coins, and an SIP would not change that.
Choose gold or silver
Planned · One metal per plan
Choose a recurring amount
Planned · The same sum each time
Choose a schedule
Planned · Frequency and count
Each purchase uses that day's rate
Planned · Not today's rate
The orders appear in your account
Planned · A list of real purchases
Choose gold or silver
Planned · One metal per plan
A plan would buy one metal. Gold and silver are priced from their own separate feeds, and a plan would follow whichever you picked.
The same rupee amount on every instalment, until you changed it. This is a regular purchase of a fixed size, not a variable contribution.
How often the purchase repeats. The schedule would be shown to you in full before anything was confirmed, and pause and cancel rules are not final.
Every instalment would be priced from the validated rate available on the day it was taken. Nobody knows those rates, so the weight each future instalment buys is unknown and this page leaves it blank.
Each completed instalment listed with its own date, the rate it used and the weight it came to. A record of things that happened — never a projected balance.
An explanation of a feature that is not built. No mandate is created, no payment is taken, no metal is held, and nothing on this page can start a plan.
Work the arithmetic yourself.
Change the metal, the amount, the frequency and the count. It shows what you would contribute — and is explicit about the figures nobody can give you.
An example, to show the arithmetic
Nothing here creates a plan or sends anything anywhere. It works out what you would contribute — and shows plainly what cannot be worked out.
Total you would contribute
₹24,000
12 monthly instalments of ₹2,000, over about 1 year. That figure is the money in, and nothing else.
- Instalment 1
- 0.139 g of fine gold, calculated using the validated rate available today — which is our stored reference rate, not a live quote.
- Instalments 2 to 12
- — Each would be calculated using the validated rate available on that purchase date. Those rates have not happened, so the weight is not something this page can tell you.
This deliberately shows no future value, no total weight, no return and no profit. Coins & Bars does not forecast the metal rate, and a figure that depends on a rate nobody has seen is a guess wearing a decimal point.
What an SIP is.
A systematic investment plan means buying a set amount at a set interval instead of in one go. Applied to metal, it is simply a standing decision to buy the same rupee amount of gold or silver each time — no more than that.
What it does not mean
It is not a deposit, not a scheme with a maturity, and not a product with a return attached. Buying regularly changes the price you pay on average; it makes no promise about what the metal will be worth. Coins & Bars does not forecast rates and nothing on this site projects a future value.
What you would end up with
A series of real purchases of physical coins, each one recorded with its own date, rate and weight. Coins & Bars sells physical metal — there is no digital holding, no vault account and no balance in this system, and an SIP would not create one.
The rules that are not settled — yet.
A plan is a commitment, so the terms have to exist before anyone can agree to one. These are the decisions nobody has made.
- Pausing and cancelling
- Not decidedThe intention is that you control the schedule without asking us. How much notice a pause needs, whether a part-completed instalment is refunded or completed, and whether anything is charged for stopping are all open. Nothing is final, and nothing will be enforced against anyone before it is published.
- Fees, and what a missed payment does
- Not decidedWhether a plan carries any charge of its own, what happens when a scheduled payment fails, and how many failures end a plan have not been decided. We are not going to describe them on this page before they are true.
- When the terms appear
- Not decidedBefore the feature does. A plan is a standing instruction, and the conditions attached to one belong in front of the person agreeing to it — not in a document published afterwards.
Where it actually stands today.
So there is no confusion about what exists.
Built
The pricing engine an SIP would use: a validated live rate feed, purity-specific rebasing, integer-paise arithmetic and a server-side price confirmation. That part is real and already prices every coin on this site.
Not built
The plan itself. No schedule, no mandate, no recurring payment, no instalment ledger, no pause or cancel, and no published terms. None of it exists in this system today.
In the meantime you can buy a coin outright — the gold desk and the silver desk show today’s rate and the real range.