Your savings jar,
made intelligent.
The Digital Gullak isn't a bank account. It's a behaviour-tracking savings wallet where every rupee you save earns Behaviour Score points — and moves you closer to your investment products.
Save money.
Earn your investments.
Deposit to Your Gullak
Add any amount — ₹10 to ₹10 lakh. Every deposit is tracked as a savings event and scored.
Tag It to a Goal
Link each deposit to a goal: emergency fund, house down payment, education, travel. Purpose drives persistence.
Earn Behaviour Points
Each consistent deposit earns points toward your Behaviour Score. Streaks multiply your points.
Unlock Investments
As your score rises, investment product tiers unlock automatically. Your discipline is the key.
Not a piggy bank.
A behaviour engine.
Goal-Tagged Savings
Every deposit linked to a named goal with a target amount and deadline. Visual progress tracking.
Auto-Save Rules
Set rules: "Save 20% of every UPI credit above ₹5,000" or "Save ₹100 every weekday morning." Fully configurable.
Streak Tracking
Daily, weekly, and monthly deposit streaks with point multipliers. 90-day streaks unlock bonus score points.
Family Gullaks
Each family member gets their own Gullak. Track together, celebrate milestones together.
Savings Analytics
Monthly savings rate, trend analysis, and comparison to your own previous months. No peer pressure.
Invest When Ready
Once your score qualifies, convert your Gullak balance into investments directly — one tap.
Open your Gullak
in 2 minutes.
Free to start. ₹10 minimum. No KYC required for the Gullak — full investments require verification.
Open My Gullak →