Live now
Goldify Card
Earn a minimum 1% gold reward on eligible card transactions, plus Value Coins, under the applicable programme terms.
Live. Subject to applicable programme terms.
A company for the common man
A better India begins with us.
Everyday spending. More value. A better future.
COOWN brings people together to access better everyday services, earn gold rewards on eligible transactions, receive honest financial guidance and help build a company designed around people’s needs.
Better prices
Competitive pricing, with a focus on the best available value.
Gold rewards
A minimum 1% gold reward on eligible transactions, subject to the final published reward terms.
Honest guidance
Transparent, unbiased guidance to help you make informed financial decisions.
Long-term value
Gold savings and a long-term vision for wider participation in COOWN.
Available today
More value from the services you use every day.
Discover services designed to help you get more value from everyday spending, with eligible gold rewards and transparent information along the way.
- Live now
Online Shopping & Gold Rewards
Offers from 500+ participating online brands, with gold rewards of up to 20% on eligible offers.
Live. Rewards vary by brand and offer.
- Live now
Overseas Education
Support from exploring options to admissions-related steps, with applicable gold rewards.
Live inside the Goldify app.
- Live now
Insurance
Compare life, health and general insurance, get help with claims and earn applicable gold rewards.
Live. Cover, premium and claims are set by each insurer.
- Live now
Loans
Explore loan options, compare available rates and get support through the process, with applicable gold rewards.
Live. Subject to lender terms and approval.
- Live now
Gold Store
Buy, sell and save in digital gold, plus jewellery at manufacturing cost on eligible designs, with charges and terms shown clearly.
Live inside the Goldify app.
Delivered through Goldify, the first product in the COOWN ecosystem. Rewards, rates and eligibility are set out in each programme’s terms and may change; exclusions and limits apply. Insurance cover and loan terms, rates and approval are set by each insurer and lender. The value of gold can rise or fall.
What COOWN is built on
Four ideas, working together.
Better prices
We focus on competitive pricing and better value across the services we offer.
Today
Gold rewards
Earn gold rewards on eligible transactions, with a minimum reward of 1% of transaction value under the applicable reward terms.
Today
Honest financial guidance
Get transparent information and guidance to help you understand your options and make informed decisions.
Today
Long-term value creation
Build savings through available gold products and participate in a broader vision for a company that creates value for the people it serves.
Today: gold savingsAmbition: wider participation
Rewards apply to eligible transactions under the applicable terms; exclusions and limits may apply.
How it fits together
Everyday spending can create more value.
Use eligible COOWN services
Pay, shop, insure, borrow or save through the services available today.
Earn gold rewards and Value Coins
Receive applicable gold rewards and Value Coins under the relevant programme terms.
Participate as COOWN develops
Take part in the wider COOWN ecosystem as it grows.
COOWN wants to move beyond one-off transactions towards a more participatory consumer company.
- Value Coins are contribution credits — not cash, shares, equity or a guaranteed financial return.
- Membership does not automatically give ownership. Future ownership opportunities are an ambition, not a product available today.
- Gold savings carry no guaranteed return, and new services may be introduced over time, subject to their own terms.
One membership. More value across everyday life.
Our long-term plan is a single membership that gives access to the COOWN services available and the membership benefits that apply, with more introduced over time.
Pricing and benefits have not been announced, and nothing on this page is an offer to subscribe. A membership payment does not buy equity or guarantee any return.
Our broader vision
Real opportunities at every stage of life.
From life’s essentials to bigger ambitions, we want to help build solutions that make a better life possible for more families.
Partly live today
Live Better
Everyday essentials, shopping and rewards, financial services, lifestyle and experiences.
Our vision
Live Healthier & Safer
Healthcare, safety, sports, nutrition and wellbeing.
Partly live today
Grow & Achieve
Education, skills, business, research and careers.
Our vision
Live Well at Every Age
Housing, family wellbeing, communities, sustainability and ageing with dignity.
Where a pillar already has services running, they are listed above under Available today. The rest is the direction we are working towards — not a product you can use yet.
The COOWN Walking Movement
I am walkingfor co-owning.
A company for the common man.
I started walking from Coimbatore to meet people, listen to their needs and introduce a new business model built around co-owning. I believe we can create a better future when people come together — not just as customers, but as participants in building something that serves them better.
My goal is to reach 25,000 co-owning members. I’m walking until we reach that goal. Every conversation, every story and every person who joins brings us one step closer.
25,000 is our target for co-owning members — not a count of people who have joined.
Join the Co-Owning Movement (opens in a new tab)Real walks. Real conversations. One shared vision.
Coming soon
The first walking update is on its way.
Real footage from the walk — the people, the conversations, the needs — will appear here as it is shared.
Our vision
A world where the common man’s dreams have a chance to come true.
Powerful economies are built on shared prosperity.
A better life for each of us. A better future for all of us.
Become a Founding Member (opens in a new tab)