Jar gold locker & daily-savings data API

Jar App - Savings & Investments · Banking 4.7 ★

Jar, published on Google Play by Jar App - Savings & Investments, is an India-only 24K digital-gold savings app that treats gold as a household gullak. Users set a Daily Savings rupee amount that auto-debits over UPI Autopay, tap Buy Gold to add a one-off purchase, watch holdings fill the Gold Locker home card, and sell grams back to a UPI VPA when they need cash. Round-off savings, gold SIPs, festive savings, a named savings-goal tracker, PAN/Aadhaar KYC, a nominee, Jar Pay UPI, and a credit-report / loan corner sit around that locker. The Play listing calls it a gullak for digital-gold investment trusted by 2 Cr+ users and rates it 4.7 across about 2.05 million reviews.

Locker milligrams sit in volume and volumeInMg, marked to market with currentValue, investedValue and changeInCurrentValue, while the live 24K quote carries price, rateId and validityInSeconds. Daily-savings Autopay exposes dailySavingsAmount, mandateId and mandateFrequency; sell-side payouts verify a destination upiId or vpa against kycStatus and a named nomineeName.

Wealth dashboards can reconcile locker grams against bank UPI debits, ops desks can retry a paused mandate, and gold-backed lenders can pre-fill files from the credit-score plus PAN payload. openData Studio turns those locker, mandate and payout records into callable open data.

Screenshots

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

Fetch gold locker balance
GET /v1/holdings/snapshot openfinance
Reads the signed-in user's Gold Locker snapshot: grams held, milligram volume, mark-to-market rupee value versus invested cost, and profit-return text used on the home locker card.
Auth: Bearer accessToken issued after OTP verify; refreshToken for renewal.
- volume
- volumeInMg
- currentValue
- changeInCurrentValue
- investedValue
- unit
- unitPreference
- profitReturn
- lastRefreshedAt
- balanceView
```
GET /v1/holdings/snapshot HTTP/1.1
Authorization: Bearer <accessToken>
```
```
{
  "isCached": false,
  "lastRefreshedAt": 1729000000000,
  "balanceView": "0.842 g",
  "unit": "g",
  "volume": 0.842,
  "volumeInMg": 842.0,
  "currentValue": 68450.25,
  "changeInCurrentValue": 312.5,
  "investedValue": 65120.0,
  "unitPreference": "g",
  "profitReturn": "5.1%",
  "lockerDetailsEnabled": true
}
```

Live 24K gold price

GET /v1/rates/live opendata

Returns the live 24K buy quote, GST tax items, rate identifier and quote validity window that drive the Buy Gold price timer.

Auth: Bearer accessToken issued after OTP verify.

price
applicableTax
rateId
rateValidity
validityInSeconds
isPriceDrop
taxItems

GET /v1/rates/live HTTP/1.1
Authorization: Bearer <accessToken>

{
  "price": 8125.5,
  "applicableTax": 243.77,
  "rateId": "rate_20261016_0915",
  "rateValidity": "2026-10-16T09:20:00Z",
  "isPriceDrop": false,
  "validityInSeconds": 300,
  "taxItems": [ { "name": "GST", "amount": 243.77 } ]
}

Savings-journey locker details
GET /v2/savings/locker openfinance
Loads the savings-journey locker screen: displayed gold value, locker grams, current savings rupees and whether Daily Savings is paused.
Auth: Bearer accessToken issued after OTP verify.
- lockerDisplayGoldValue
- goldBalance
- currentSavings
- savingsPaused
- lockerDetailsEnabled
- unit
```
GET /v2/savings/locker HTTP/1.1
Authorization: Bearer <accessToken>
```
```
{
  "lockerDisplayGoldValue": 68450.25,
  "goldBalance": 0.842,
  "currentSavings": 65120.0,
  "savingsPaused": false,
  "lockerDetailsEnabled": true,
  "unit": "g"
}
```
Savings-journey details
GET /v2/savings/plan openfinance
Returns the savings-journey detail card: current savings, growth percentage, projected future value, tenure in months and daily debit amount.
Auth: Bearer accessToken issued after OTP verify.
- currentSavings
- currentSavingsGrowthPercentage
- currentSavingsFutureValue
- savingsTenure
- savingsPaused
- dailySavingsAmount
```
GET /v2/savings/plan HTTP/1.1
Authorization: Bearer <accessToken>
```
```
{
  "currentSavings": 65120.0,
  "currentSavingsGrowthPercentage": 5.1,
  "currentSavingsFutureValue": 72000.0,
  "savingsTenure": 18,
  "savingsPaused": false,
  "dailySavingsAmount": 50
}
```
Buy-gold session quote
GET /v1/purchases/quote openfinance
Opens a Buy Gold session bound to a live rateId, converting the rupee amount the user typed into grams plus GST before UPI checkout.
Auth: Bearer accessToken issued after OTP verify.
- rateId
- price
- buyGoldAmount
- goldQuantity
- gstAmount
- validityInSeconds
```
GET /v1/purchases/quote HTTP/1.1
Authorization: Bearer <accessToken>
```
```
{
  "rateId": "rate_20261016_0915",
  "price": 8125.5,
  "buyGoldAmount": 500,
  "goldQuantity": 0.0615,
  "gstAmount": 15.0,
  "validityInSeconds": 300
}
```
Sell-gold drawer details
GET /v1/redemptions/preview openfinance
Feeds the Sell Gold drawer with sellable grams, current rupee value and whether KYC still blocks a payout.
Auth: Bearer accessToken issued after OTP verify.
- currentSavings
- volume
- currentValue
- kycRequired
- kycStatus
- unit
```
GET /v1/redemptions/preview HTTP/1.1
Authorization: Bearer <accessToken>
```
```
{
  "currentSavings": 65120.0,
  "volume": 0.842,
  "currentValue": 68450.25,
  "kycRequired": false,
  "kycStatus": "VERIFIED",
  "unit": "g"
}
```

Verify gold-sell payout

POST /v2/payouts/verify openbanking

Verifies a gold-sell payout to a UPI VPA before confirmation: grams to sell, destination vpa/upiId and the rupee value that will land.

Auth: Bearer accessToken issued after OTP verify.

payoutStatus
upiId
vpa
goldQuantity
currentValue
transactionId

POST /v2/payouts/verify HTTP/1.1
Authorization: Bearer <accessToken>
Content-Type: application/json

{"volume": 0.2, "upiId": "user@okaxis", "vpa": "user@okaxis"}

{
  "payoutStatus": "VERIFIED",
  "upiId": "user@okaxis",
  "vpa": "user@okaxis",
  "goldQuantity": 0.2,
  "currentValue": 16251.0,
  "transactionId": "sell_9f2a1c"
}

List gold transactions

GET /v2/ledger/entries openfinance

Pages the gold locker ledger: buy/sell/daily-savings rows with grams, rupee amount, live price at purchase and UPI txn id.

Auth: Bearer accessToken issued after OTP verify.

transactionId
txnId
goldTxnStatus
goldQuantity
goldPurchaseAmount
goldPurchasePrice

GET /v2/ledger/entries?tab=ALL HTTP/1.1
Authorization: Bearer <accessToken>

{
  "transactions": [
    {
      "transactionId": "txn_7c81",
      "txnId": "UPI123456789",
      "goldTxnStatus": "SUCCESS",
      "goldQuantity": 0.0615,
      "goldPurchaseAmount": 500,
      "goldPurchasePrice": 8125.5
    }
  ]
}

Gold holdings breakdown
GET /v2/holdings/breakdown openfinance
Returns the holdingsV2 breakdown used by the locker value sheet: grams, milligrams, invested cost, mark-to-market value and profit-return.
Auth: Bearer accessToken issued after OTP verify.
- volume
- currentValue
- investedValue
- profitReturn
- unit
- volumeInMg
```
GET /v2/holdings/breakdown HTTP/1.1
Authorization: Bearer <accessToken>
```
```
{
  "volume": 0.842,
  "currentValue": 68450.25,
  "investedValue": 65120.0,
  "profitReturn": "5.1%",
  "unit": "g",
  "volumeInMg": 842.0
}
```
Daily savings plan
GET /v1/autopay/plan openfinance
Reads the Daily Savings Autopay plan: rupee debit, UPI mandate id, frequency, subscription id and pause flag that power the gullak.
Auth: Bearer accessToken issued after OTP verify.
- dailySavingsAmount
- mandateId
- mandateAmount
- mandateFrequency
- autopaySubsId
- mandateStatus
- savingsPaused
```
GET /v1/autopay/plan HTTP/1.1
Authorization: Bearer <accessToken>
```
```
{
  "dailySavingsAmount": 50,
  "mandateId": "MANDATE_8891",
  "mandateAmount": 50,
  "mandateFrequency": "DAILY",
  "autopaySubsId": "sub_44ab",
  "mandateStatus": "ACTIVE",
  "savingsPaused": false
}
```
Savings-goal details
GET /v1/goals/current opendata
Returns the named savings goal on the locker: target rupees, display name, percent achieved and whether a goal already exists.
Auth: Bearer accessToken issued after OTP verify.
- goalExists
- existingGoal
- goalAmount
- goalName
- percentageAchieved
- warningMessage
```
GET /v1/goals/current HTTP/1.1
Authorization: Bearer <accessToken>
```
```
{
  "goalExists": true,
  "existingGoal": "Emergency fund",
  "goalAmount": 100000,
  "goalName": "Emergency fund",
  "percentageAchieved": 65,
  "warningMessage": null
}
```
Fetch gold nominee
GET /v1/nominee/details osint
Fetches the gold-holding nominee name and relation recorded on the Add Nominee screen, used if the locker has to be claimed.
Auth: Bearer accessToken issued after OTP verify.
- nomineeName
- nomineeRelationType
- nomineeDetails
```
GET /v1/nominee/details HTTP/1.1
Authorization: Bearer <accessToken>
```
```
{
  "nomineeName": "Anita Sharma",
  "nomineeRelationType": "SPOUSE",
  "nomineeDetails": {
    "phoneNumber": "9876543210"
  }
}
```
KYC verification status
GET /v1/kyc/state osint
Returns eKYC state for sell/payout gates: PAN, masked Aadhaar, document type and whether the user is kycVerified.
Auth: Bearer accessToken issued after OTP verify.
- kycStatus
- kycVerified
- panNumber
- aadhaarNumber
- kycDocType
```
GET /v1/kyc/state HTTP/1.1
Authorization: Bearer <accessToken>
```
```
{
  "kycStatus": "VERIFIED",
  "kycVerified": true,
  "panNumber": "ABCDE1234F",
  "aadhaarNumber": "XXXX XXXX 3210",
  "kycDocType": "PAN_AADHAAR"
}
```
Fetch credit report
GET /v2/credit/score openfinance
Pulls the in-app credit-report snapshot (score plus PAN) that the lending tiles show next to gold-backed loan offers.
Auth: Bearer accessToken issued after OTP verify.
- creditScore
- creditReportExist
- panNumberForCreditReport
- creditReportPan
```
GET /v2/credit/score HTTP/1.1
Authorization: Bearer <accessToken>
```
```
{
  "creditScore": 742,
  "creditReportExist": true,
  "panNumberForCreditReport": "ABCDE1234F",
  "creditReportPan": "ABCDE1234F"
}
```
UPI payment methods
GET /v2/upi/methods openbanking
Lists Jar Pay payment methods: primary VPA, UPI Lite balance/status and the bank accounts linked for Autopay and P2P.
Auth: Bearer accessToken issued after OTP verify; Jar Pay UPI session.
- upiId
- vpa
- upiLiteBalance
- upiLiteStatus
- paymentMethods
```
GET /v2/upi/methods HTTP/1.1
Authorization: Bearer <accessToken>
```
```
{
  "upiId": "user@okaxis",
  "vpa": "user@okaxis",
  "upiLiteBalance": 420.0,
  "upiLiteStatus": "ACTIVE",
  "paymentMethods": [ { "type": "UPI", "primary": true } ]
}
```

Where teams use this data

Wealth-dashboard gold reconciliation
Nightly jobs pull volume, volumeInMg, currentValue and investedValue from the locker snapshot and match each goldPurchaseAmount row on the transaction ledger against the user's bank UPI debits.
Daily-savings mandate ops
Collections tooling watches dailySavingsAmount, mandateId, mandateFrequency and savingsPaused so a failed Autopay debit can be retried or the gullak paused without opening the app.
Sell-side payout checks
Before a gold sell lands, payout desks verify kycStatus plus the destination upiId/vpa from sellVerify, and confirm a nomineeName is on file for the locker.
Gold-backed lending file
A lender pre-fills an application with locker grams (volume), creditScore from the in-app report, panNumber and kycVerified so gold-backed EMI offers do not re-ask for KYC.

Frequently asked questions

What gold-holding fields does the locker return?

The gold-balance payload returns volume (grams), volumeInMg, currentValue, investedValue, changeInCurrentValue, profitReturn and lastRefreshedAt — the same numbers the Gold Locker home card renders.

How does Daily Savings Autopay show up in the data?

The daily-savings plan returns dailySavingsAmount, mandateId, mandateAmount, mandateFrequency, autopaySubsId, mandateStatus and savingsPaused, which together describe the UPI Autopay debit that buys 24K gold each day.

Can I read live gold price, not just holdings?

Yes. The gold-price quote returns price, rateId, applicableTax, taxItems, rateValidity and validityInSeconds, which the Buy Gold timer uses before checkout.

How are sell payouts authenticated?

Calls carry a Bearer accessToken minted after OTP verify. Sell-side payouts additionally check kycStatus / kycVerified and send the destination upiId or vpa on the sell-verify request.

Apps similar to Jar:Save Money in Digital Gold

SafeGold — SafeGold is a 24K digital-gold app from Digital Gold India that lets users buy, sell, run a daily/weekly/monthly Gold SIP from ₹10, and redeem holdings as vaulted gold coins or bars.
PhonePe — PhonePe’s digital-gold product lets Indians save in certified 24K gold from ₹10 a day, set a monthly gold SIP, or buy once, then sell for cash or convert savings into coins and jewellery.
Paytm — Paytm launched Paytm Gold in 2017 so users can buy and sell digital gold inside the same UPI payments app that already handles recharges and bill pay.
Groww — Groww is an Indian investing app whose gold section offers SEBI-regulated Gold ETFs, gold mutual funds and MCX gold commodities as the way to hold gold on the platform.
Augmont — Augmont is an Indian gold platform where users buy 24K 999 digital gold, run SIPs, vault the grams, and convert holdings into physical delivery or jewellery at affiliated stores.
Fiydaa Gold — Fiydaa is an Indian gold-and-silver savings app that automates daily savings and Gold/Silver SIPs from ₹10, with 24K gold it says is backed by Augmont.
Kalash — Kalash is an Indian 24K digital-gold savings app that lets users check live gold prices, buy from ₹10, and automate daily, weekly or monthly gold SIPs.

More Banking apps

Topics

jar digital gold api
gold locker volume
daily savings mandate
live 24k gold price
jar upi payout
india digital gold data
gold holdings investedValue
jar kyc pan aadhaar

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Jar gold locker & daily-savings data API

Screenshots

API surface

Fetch gold locker balance

Live 24K gold price

Savings-journey locker details

Savings-journey details

Buy-gold session quote

Sell-gold drawer details

Verify gold-sell payout

List gold transactions

Gold holdings breakdown

Daily savings plan

Savings-goal details

Fetch gold nominee

KYC verification status

Fetch credit report

UPI payment methods

Data categories

Where teams use this data

Wealth-dashboard gold reconciliation

Daily-savings mandate ops

Sell-side payout checks

Gold-backed lending file

Frequently asked questions

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Need this app's data API integrated?

Jar gold locker & daily-savings data API

Screenshots

API surface

Fetch gold locker balance

Live 24K gold price

Savings-journey locker details

Savings-journey details

Buy-gold session quote

Sell-gold drawer details

Verify gold-sell payout

List gold transactions

Gold holdings breakdown

Daily savings plan

Savings-goal details

Fetch gold nominee

KYC verification status

Fetch credit report

UPI payment methods

Data categories

Where teams use this data

Wealth-dashboard gold reconciliation

Daily-savings mandate ops

Sell-side payout checks

Gold-backed lending file

Frequently asked questions

Related apps

Apps similar to Jar:Save Money in Digital Gold

More Banking apps

5paisa: Demat, Stocks & IPO

AndroMoney

Angel One: Stocks, Mutual Fund

Bibit- Reksadana & Obligasi

Topics

Need this app's data API integrated?