Gullak referral code is 1ACPNR. Enter this verified invite code when registering on the Gullak app to claim up to ₹100 in free 24K digital gold and unlock daily compounding returns with Gold+ leasing. Gullak is a modern automated micro-savings and gold investment platform that helps over 2 million Indians build long-term wealth by investing spare change and micro-savings into 99.9% pure hallmarked gold.
Gullak Referral Code
Get Up to ₹100 Free 24K Digital Gold on First Investment
*Regulated by Augmont Gold and secured in insured Brink’s physical vaults.
What is Gullak App and How Does Gold+ Work?
Gullak is a digital gold savings application backed by Y Combinator. It enables users to save as little as ₹10 daily in 24-karat 99.9% pure digital gold. What sets Gullak apart from standard gold apps is its innovative Gullak Gold+ feature: an innovative gold leasing program where your digital gold is leased to verified, creditworthy jewelers. This allows investors to earn an extra 4% to 5% physical gold returns annually on top of gold’s historical price appreciation (~11% CAGR), unlocking an estimated ~16% total annualized return.
Gullak Referral Code & Investment Perks (2026)
Check out the essential terms, rewards, and safety mechanisms of the Gullak referral program below:
| Feature | Gullak Details (2026) |
|---|---|
| Gullak Referral Code | 1ACPNR |
| New User Gold Reward | Up to ₹100 worth of free 24K digital gold |
| Minimum Daily Savings | Just ₹10 per day or one-time lump sum |
| Refer & Earn Benefit | Earn up to ₹50 free digital gold per referral |
| Gold Purity & Storage | 24 Karat (99.9% pure) backed by Augmont in Brink’s vaults |
| Gold+ Annual Yield | Up to 16% annualized return (11% historical CAGR + 5% lease yield) |
| Withdrawal Liquidity | Instant bank withdrawal via UPI or doorstep physical gold delivery |
How to Apply Gullak Referral Code (Step-by-Step)
Follow these steps to claim your free gold reward on the Gullak app:
Step 1: Download App & Enter Mobile Number
Install the Gullak app from Google Play Store or Apple App Store. Type your active 10-digit mobile number and verify via the 6-digit SMS OTP.
Step 2: Enter Referral Code 1ACPNR
When prompted with “Have an invite / referral code?”, enter 1ACPNR and tap Verify to link your free welcome gold bonus to your wallet.
Step 3: Set Your Daily Savings Target
Choose a daily, weekly, or monthly savings target (e.g. ₹50/day or ₹100/day). You can also make a one-time lump-sum deposit whenever you wish to save extra cash.
Step 4: Make Initial Deposit via UPI
Complete your first digital gold purchase using any popular UPI app (Paytm, Google Pay, PhonePe) or debit card. There are no convenience fees charged on deposits.
Step 5: Setup UPI Autopay Mandate & Claim Free Gold
Optionally activate a daily automated UPI mandate so your savings habit runs on autopilot. Gullak immediately awards you a scratch card unlocking up to ₹100 worth of free 24K digital gold!
Gullak Gold+ Explained: How 16% Annualized Yields Work
While standard digital gold apps only let your gold sit idle in a vault, Gullak’s flagship Gold+ feature turns physical gold into an interest-yielding asset:
- What is Gold Leasing? In India, traditional jewelers require working capital in the form of raw gold bullion to manufacture jewelry. Instead of borrowing cash from banks at high rates, jewelers lease pure gold bullion.
- 100% Bank Guarantee Security: Gullak leases gold exclusively to established, credit-rated jewelers who provide 100% bank guarantees and security collaterals. Even if a jeweler defaults, your underlying gold principal is fully protected.
- Dual Return Compounding: You earn physical gold grams (up to 5% annually) credited directly to your gold balance every month, in addition to historical gold appreciation (averaging ~11% CAGR over the past two decades).
- Zero Lock-in Flexibility: You can unlease your gold or withdraw your gold balance at any time without incurring prepayment penalties.
Gullak Refer and Earn Program
If you enjoy micro-savings and gold rewards, also check out our Fello referral code and Bachatt referral code reviews. Help your friends build disciplined financial savings habits and earn gold rewards simultaneously:
- Share Invite Code: Open Gullak > Refer & Earn to copy code 1ACPNR or share your unique referral link on WhatsApp.
- Friends Invest in Gold: When your friend sets up daily savings or makes their initial digital gold investment, they get up to ₹100 worth of free gold.
- You Earn Gold Rewards: Gullak rewards you with up to ₹50 in pure 24K digital gold directly deposited into your Gullak account. You can hold it for compounding or liquidate it anytime.
Every gram of digital gold purchased through the Gullak app is 100% physical 24 Karat 99.9% pure bullion, minted in compliance with strict hallmarking standards. Your physical gold assets are held in secure, insured vaults managed by independent third-party custodians, ensuring full regulatory security and instantaneous liquidity whenever you decide to sell or take physical doorstep delivery.
Frequently Asked Questions: Gullak Referral Code
What is the active Gullak referral code for 2026?
The active Gullak referral code is 1ACPNR. Enter this code upon signup to earn up to ₹100 in free 24K digital gold on your first investment.
Is Gullak safe and regulated in India?
Yes. Every gram of digital gold purchased on Gullak is 100% physically backed by Augmont Goldtech (a government-approved refinery and India’s leading gold refinery), insured by Brink’s and stored in high-security vaults monitored by independent trustees.
Can I convert my digital gold into physical gold coins?
Yes. When you accumulate 0.5 grams or more of digital gold in your Gullak vault, you can request physical doorstep delivery of hallmarked 24K gold coins and bars directly to your home address with insured tamper-proof shipping.
How quickly can I withdraw my money from Gullak?
You can sell your digital gold anytime with 24/7 liquidity. The sale proceeds are transferred instantly directly to your verified bank account via IMPS or UPI.