Jar App Full Guide 2025 – Automatic Daily Savings & Digital Gold Investment Explained
🌐 What Is Jar App?
Jar App is a micro-savings and investment app designed to help you save money automatically and invest it in digital gold.
It’s perfect for beginners who find it hard to save.
Jar helps you build a saving habit by investing your spare change every time you spend via UPI, Paytm, or bank.
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| Best Daily Saving App |
🪙 Simple Example:
Let’s say you spend ₹47 on coffee ☕ —
Jar automatically rounds it to ₹50 and invests the remaining ₹3 in digital gold.
So without effort, you’re saving and investing every day!
Learn how to use the Jar App to save money automatically and invest in 24K digital gold. Step-by-step setup, pros, cons, examples, and best tips included.
📲 Step-by-Step Jar App Setup Guide
Step 1: Download & Register
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Download Jar App from Google Play Store or App Store.
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Open it and register with your mobile number.
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Verify with the OTP sent to your phone.
Example:
Enter your number → get OTP → you’re in! No complicated forms.
Step 2: Link Your UPI Account
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Jar connects with your UPI apps like PhonePe, Google Pay, or Paytm.
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You’ll need to allow UPI access to automatically round off your transactions.
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You can change UPI anytime in “Settings.”
Step 3: Set Your Saving Type
Jar offers 3 main ways to save:
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💵 Auto Save (Round-Offs): Automatically invest small spare change after each UPI payment.
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🪙 Daily Savings: You can choose ₹10, ₹20, ₹50, or ₹100 to save daily.
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💰 Manual Saving: Add money manually when you want.
Example:
If you set ₹20 daily saving, every day ₹20 automatically goes into digital gold.
Step 4: Digital Gold Investment
Jar invests your savings in Digital Gold provided by trusted partners like Augmont Gold (a SEBI-approved gold provider).
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100% secure and insured.
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You can sell or withdraw anytime.
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Gold is stored in insured vaults on your behalf.
Step 5: Track Your Savings & Gold Value
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Dashboard shows:
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Total gold weight (in grams)
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Daily gold rate
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Your total investment & returns
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Example:
You saved ₹500 this month → it shows 0.25g of gold at current market price.
Step 6: Redeem or Withdraw
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You can sell gold anytime and get money in your bank instantly.
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Optionally, you can convert your digital gold into physical gold coins (extra delivery charge).
🌟 Top Features of Jar App
| Feature | Description |
|---|---|
| 💸 Auto Save | Rounds off your UPI payments to nearest ₹10 & invests spare change |
| 🪙 Digital Gold Investment | Saves in real 24K gold via SEBI-approved partners |
| 💰 Daily & Weekly Plans | Choose your saving frequency (₹10, ₹20, ₹50…) |
| 📊 Simple Dashboard | See your total savings & gold price instantly |
| 🔒 Safe & Secure | RBI & SEBI-regulated partners |
| ⚡ Instant Withdrawals | Redeem anytime to bank account |
| 🎯 Saving Challenges & Rewards | Win scratch cards & bonuses for consistent saving |
✅ Pros of Jar App
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Helps build a daily saving habit easily.
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No paperwork or KYC for small investments.
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Saves automatically — perfect for busy people.
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Digital gold is safe, insured, and can be sold anytime.
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Gives small rewards, bonuses, and offers for saving.
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User-friendly interface — ideal for beginners.
❌ Cons of Jar App
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Only supports digital gold, not mutual funds or stocks.
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Small transaction charges may apply during withdrawals.
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Requires UPI access — not suitable for those who don’t use UPI.
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No physical branch or in-person support.
📊 Example Scenarios
Example 1:
Meena sets ₹20 daily auto-save.
→ In 30 days, she automatically saves ₹600.
→ That ₹600 is converted to gold at the current price.
→ She can sell or keep it anytime.
Example 2:
Rahul spends ₹95 on Swiggy.
→ Jar rounds it up to ₹100, invests ₹5 in gold.
→ After 100 small transactions, Rahul has ₹500+ worth of gold — without realizing he saved so much!
💡 Bonus: Unique Jar Features
| Feature | Benefit |
|---|---|
| 🧩 Saving Streaks | Rewards for saving every day |
| 🔔 Daily Motivation Quotes | Helps you stay consistent |
| 🪙 Jar Gold Locker | Digital locker showing gold balance |
| 🎁 Refer & Earn | Invite friends and earn extra gold |
| 🌟 24K Gold Purity Guarantee | Certified gold backed by Augmont |
💳 Jar Gold – Safety & Trust
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Partnered with Augmont Gold, an RBI & BIS-certified provider.
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24K Digital Gold stored in insured vaults.
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Regulated under RBI guidelines for payment apps.
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Withdraw anytime directly to your bank account.
💡 Tips to Use Jar App Smartly
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Start with ₹10–₹20/day — build habit slowly.
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Check gold prices monthly before selling.
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Enable auto-save for long-term benefits.
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Use the refer & earn feature to get free gold.
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Don’t treat it like trading — it’s a slow and steady saving tool.
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📊 Quick Summary Table
| Section | Key Details |
|---|---|
| 🔹 What It Is | Automatic saving app investing in 24K digital gold |
| 🔹 Best For | Students, beginners, and working professionals |
| 🔹 Saving Type | Auto, Daily, or Manual |
| 🔹 Returns | Based on gold price (market-linked) |
| 🔹 Security | RBI & SEBI-approved partners |
| 🔹 Start With | ₹10 per day |
| 🔹 Special | Auto-save feature from UPI payments |
🏁 Final Thoughts
Jar App is not just another savings app — it’s your personal digital piggy bank that helps you save small, invest smart, and build wealth effortlessly.
Whether you’re a student or a working professional, Jar makes saving automatic and joyful — one rupee at a time! 💛
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