Company Overview
About Gullak Money
Gullak Money is a Bengaluru-based fintech company automating savings and investing them into digital gold through UPI AutoPay — enabling Indian consumers to accumulate gold wealth through systematic small purchases without requiring active investment decisions, addressing the deep cultural affinity for gold savings in India's $800 billion household gold market. Founded in 2022 by Manthan Shah, Dilip Jain, and Naimisha Rao and backed by Y Combinator with $14.6 million raised including a $7.5 million Series A in September 2025, Gullak generated $4.1 million in revenue in 2024 with 1 million+ app downloads on Google Play Store.
Business Model & Competitive Advantage
Gullak's automatic savings model replaces the traditional Indian gold savings behavior (buying physical jewelry during Diwali or marriage seasons) with digital gold accumulation: users set a daily, weekly, or monthly savings amount that UPI AutoPay deducts automatically into 24K digital gold purchases — as little as ₹10 per day — with SEBI-regulated gold providers (SafeGold or MMTC-PAMP) holding the physical gold backing. The digital gold can be cashed out to the bank account, converted to physical gold delivery (coins and bars), or used as collateral for instant loans. Gullak's "round-up" feature automatically rounds UPI transactions up to the nearest ₹10 and invests the difference — behavioral savings automation that accumulates gold without active intent.
Competitive Landscape 2025–2026
In 2025, Gullak competes in the Indian digital gold and automated savings market with Jar App (digital gold savings automation, $25M raised), PhonePe Gold (Walmart-backed, massive user base), and Paytm Gold (SoftBank/Berkshire-backed) for the Indian automated gold savings adoption. India's gold market represents approximately 25% of global gold demand — Indian households hold an estimated 25,000+ tons of physical gold accumulated across generations. Digital gold platforms are transitioning this cultural gold ownership behavior to digital formats that enable fractional purchase and instant liquidity. Y Combinator backing provides fintech community credibility and investor network access for Gullak's expansion into other asset classes beyond gold.
Recent Activity
View all →Foreign Filing filed 2026-09-25
Foreign Filing filed 2026-09-24
Foreign Filing filed 2026-09-01
Foreign Filing filed 2026-08-24
Foreign Filing filed 2026-08-03
Foreign Filing filed 2026-08-03
Foreign Filing filed 2026-07-28
Key Differentiators
Emerging Innovator
Gullak Money is an emerging player bringing innovative solutions to the Finance market.
Frequently Asked Questions
Estimated Visibility Trend (Beta)
Simulated 8-week rolling score
Based on estimated brand signals. Historical tracking coming soon.
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