CazhOn operates by offering users a platform where they can perform everyday transactions like mobile recharges, bill payments, or online shopping, and earn rewards or cashback. These rewards can then be converted into investments such as digital gold or mutual funds, encouraging users to make the most of their spending. The platform integrates financial services with a reward system to help users build smart savings and investment habits effortlessly while managing daily expenses.

When you recharge your mobile or DTH through CazhOn, you save on the amount paid as CazhOn gives you rewards on every transaction. These rewards can be converted into investments or withdrawn to your bank account, allowing you to grow your savings while managing your everyday expenses. Additionally, there is no convenience or platform fee, so you save even more.

BBPS (Bharat Bill Payment System) is an integrated bill payment system in India that offers interoperable and accessible services. CazhOn acts as a Customer Operating Unit agent for BBPS. Through the CazhOn app, you can conveniently and securely pay utility bills, loan EMIs, and other recurring payments, while earning rewards that can be reinvested.

CazhOn ensures your data and transactions are highly secure by using Microsoft Azure and Google Cloud to store information, benefiting from their top-tier encryption and security protocols. Financial transactions are processed by certified institutions like State Bank of India, ensuring reliability and safety. Additionally, digital gold purchases are handled by Augmont, a trusted name in precious metals. This comprehensive system guarantees that your funds, gold, and personal data are managed securely, giving you peace of mind while using the platform

You can contact CazhOn’s customer support through our website at www.cazhon.com or by emailing us at support@cazhon.com. Our dedicated support team is available to assist you with any queries or issues you may have.

To get started with CazhOn, visit our website to learn more about our services. The website includes a 'Get Started' button that directs you to download our mobile app, which is the primary platform for using CazhOn. After installing the app, you can sign up by entering and verifying your phone number. Once registered, you can begin using CazhOn to manage your utility payments, mobility services, and shopping transactions, while earning rewards that you can invest to grow your savings.

CazhOn Smart Auto-Invest is a feature designed to automatically invest your rewards and cashback earnings into financial instruments like mutual funds or digital gold. The concept is to streamline the process of saving and investing by using the rewards you accumulate through everyday transactions, such as paying bills or recharges, and automatically converting them into investments. This makes it easier for users to grow their savings without needing to manage each transaction manually, ensuring that they can steadily accumulate wealth over time with minimal effort.

CazhOn Smart Round-Ups is an upcoming feature that allows you to round up your daily transactions to the nearest higher amount and automatically invest the difference. To use this feature, you'll need to link your primary bank account, such as through UPI, so that the system can track your transactions and apply the round-up automatically. For example, if you spend ₹85, the transaction would round up to ₹100, and the ₹15 difference would be invested into financial products like mutual funds or digital gold.

When you use CazhOn for bill payments, mobile recharges, or shopping, you earn rewards or cashback. These rewards can be reinvested into investment products like digital gold or mutual funds, helping you save effortlessly.

To convert your CazhOn Rewards into investments using Smart Auto-Invest, follow these steps:

1. Accumulate Rewards : First, earn rewards by completing transactions such as utility payments, mobile recharges, or shopping through the CazhOn app.

2. Enable Smart Auto-Invest : In the rewards section of the CazhOn app, enable the Smart Auto-Invest feature. This will automatically invest your earned rewards.

3. Choose Investment Type : Select the investment type that suits your goals, such as Digital Gold or Silver. You can pick the option that best aligns with your financial strategy.

4. Accept Terms and Conditions : Review and accept the terms and conditions for the chosen investment option. This ensures you are fully informed about how your rewards will be managed.

5. Automatic Conversion : Once enabled, CazhOn will automatically convert your rewards into the selected investment product at market rates, without requiring any manual intervention.

CazhOn Savings is a feature that helps you grow your savings through cashback earned on transactions and investments. The saved amount can be tracked and later used for future investments or expenses.

Digital Gold allows you to buy, sell, and hold gold in a digital form. You can purchase small amounts of gold at current market rates, and your gold is stored securely in insured vaults. You can sell your digital gold anytime, making it a flexible and convenient investment option.

• CazhOn Rewards : These are points or credits earned through various activities, such as transactions, promotions, or referrals. Rewards can be converted into investments or used to take advantage of specific offers within the platform.
• CazhOn Savings : These are accumulated savings generated from rewards on transactions. The savings can be tracked and either reinvested into financial products like digital gold or mutual funds, or used for future expenses.

To withdraw your savings from CazhOn, open the app, navigate to your savings or investment section, and select the withdrawal option. If your savings are in investments like digital gold, sell them at the current market rate and confirm the transfer to your linked bank account. The funds will be credited within a few business days, and you'll receive confirmation in the app. Ensure your bank account is linked for a smooth withdrawal process.

Yes, users can easily change their investment preferences in Smart Auto-Invest through the CazhOn mobile app. Simply go to the investment screen in the app, where you’ll see available options like digital gold or mutual funds. From there, you can select or modify your preferred investment type based on your financial goals. Once updated, the app will automatically adjust future rewards or cashback to invest in the newly chosen option.

Yes, CazhOn requires a minimum balance of ₹10 to initiate the Smart Auto-Invest feature. Once you have accumulated at least ₹10 in rewards or cashback, the auto-invest feature will begin converting your earnings into the investment options you’ve selected, such as digital gold or mutual funds. This ensures that small amounts of savings are consistently invested, helping you grow your savings over time without requiring large initial amounts.

There are no additional fees associated with converting your rewards into investments through CazhOn. However, if you choose to invest in digital gold or silver, a 3% Goods and Services Tax (GST) is applied, as per government regulations. This GST is levied on the purchase of digital gold, and it is automatically factored into the transaction. Other investment options, such as mutual funds, may have different tax or fee structures, but converting rewards itself does not incur extra charges on the platform

Your rewards are converted into investments as soon as they reach the minimum required amount, which is typically ₹10 for Smart Auto-Invest. Once this threshold is met, CazhOn automatically processes the conversion, and your selected investment type—such as digital gold or mutual funds—will be purchased at the current market rates. This process is seamless and happens almost immediately after reaching the minimum amount, ensuring that your rewards are quickly turned into investments without delay

Yes, you can use your CazhOn rewards for purposes other than investments, such as mobility services, utility payments, and other transactions. On the summary checkout screen of the app, there is an option to apply your rewards toward the total bill or payment. Simply enable this option at checkout to use your rewards as a form of payment, helping reduce your overall expense. This gives you flexibility to either invest your rewards or utilize them for everyday expenses, depending on your preference.

If you stop using CazhOn, your savings and investments remain secure and will not expire. Your accumulated rewards, savings, and any investments like digital gold or mutual funds are safely stored with CazhOn. You retain full access to them, and can choose to withdraw or manage your investments at any time through the app. Even if you are no longer actively using the platform, your funds remain available for withdrawal or reinvestment whenever you choose to return