How To Buy Digital Gold and Digital Gold Investment Guide 2025

By Prabin -

 

Table of Contents

  • What Is Digital Gold?
  • Why Digital Gold Is Gain
  • How to Buy Digital Gold
  • Best platforms to Buy Digital Gold in 2025
  • Benefits of Digital Gold
  • The Growth of Gold Over the Years
  • Why Avoid Physical Gold?
  • Other Plans for Buying Digital Gold
  • Can You Buy Digital Gold at Banks or Post Offices?
  • Final Thoughts

1. What Is Digital Gold?

Digital gold investment is a recent innovation that involves investing in gold without necessarily actually holding the yellow metal. It is essentially gold purchased and held digitally but is underwritten by physical gold that is stored in highly secured vaults. You can invest small sums, starting from as low as ₹100, and own virtual gold. Since its value depends on the ongoing market price for gold, transparency and safety become implicit.

2. Why Digital Gold Is Gain?

In the last couple of years, digital gold has gained due to several reasons:

Affordability: any One can start investing with small amounts, which is not possible in the case of physical gold.

Convenience: The hassle of storage is taken care of by the provider without any hassles.

Flexibility: You can purchase and sell any time with just a few clicks.

Transparency: The prices are all aligned to the current gold market rates.

Trust: Most digital gold providers make sure your gold is 24K-the purest form available.

3. How to Buy Digital Gold

Investing in digital gold has been made very easy. Here's how you can get started

Choose a Platform: Go through any reliable app, website, or financial institution offering digital gold.

Signup: Create your account by entering general personal details along with finishing the KYC verification process.

Deposit Money: Deposit funds in the account through UPI, net banking, or your usual payment mode.

Buy Gold: Choose an amount- minimum ₹100 and buy pure gold per the real-time market rate.

Track Your Investment: Most of the digital gold platforms will allow you to track the value of your digital gold in real time.

4. Best Platforms to Buy Digital Gold in 2024

Choosing the right platform is very important. Here are some of the top platforms to consider in 2025:

PhonePe: Offers digital gold investment with no hidden charges and 24K gold.

Paytm: Allows investments as low as ₹1, with easy sell options.

Google Pay: Offers safe options to buy digital gold through trusted providers.

Groww: Its application is quite user-friendly and provides all details regarding investments.

Zerodha (through Coin): One of the most trusted sites for digital gold, which is linked with your demat account.

Tanishq Digital Gold: You can also redeem your digital gold for physical gold.

MMTC-PAMP: One of the most trusted service providers, having government certified gold vaults.

5. Benefits of Digital Gold

Digital gold comes with several benefits that make it an attractive investment option:

Accessibility: You can start investing with minimal amounts.

Liquidity: Easy to sell anytime without waiting for buyers.

High Security: Your gold is stored in insured vaults, eliminating theft risks.

No Wastage: No making or storage charges compared to physical gold.

Purity Guarantee: Digital gold is always 24K and verified by reputable entities.

Taxation Benefit: It does not invite wealth tax, unlike the physical one. 

6. Growth of Gold over Years :

Traditionally, gold emerged as a strong investment during times of uncertainty. During the last ten years, the price of gold has seen an upward trend gradual yet handsome return on investment. 

7. Why Avoid Physical Gold?

While physical gold holds sentimental and cultural value, it comes with several drawbacks:

Storage Issues: You need lockers or safe spaces, which can be costly.

Making Charges: Jewelry comes with additional charges that reduce resale value.

Risk of Theft: Physical gold is always at risk of being stolen.

Liquidity: Any sale of physical gold is often under some sort of negotiation and at lower resale prices than their current value. Purity: Unless certified, the purity of gold cannot be determined with complete certainty. Investing in digital gold negates these hassles of investment in gold. 

8. Other Plans to Buy Digital Gold:

There are many other innovative ways of investing in digital gold, other than buying it as an individual:

Systematic Investment Plans (SIPs): Most of the platforms have the facility to invest in digital gold through monthly SIPs, starting as low as ₹500.

Gold ETFs (Exchange Traded Funds): These are listed on stock exchanges and track the price of gold.

Sovereign Gold Bonds (SGBs): The government issues these bonds, which pay interest in addition to appreciation in the value of gold.

Gold Mutual Funds: These funds invest in gold ETFs for diversified exposure.

9. Can You Buy Digital Gold at Banks or Post Offices?

Yes, most private banks and post offices are selling digital gold in recent times. It is however different from buying it from App-based platforms. Here's how:

Banks: Quite a few private and public banks sell the product by mere tie-ups with MMTC-PAMP or other providers. Try checking your Bank's app or website for possibilities.

Post Offices: Though traditional gold coins are more common at post offices, some of them have started offering digital gold services.

Keep in mind that the app based platforms may offer more flexibility and better pricing than the traditional institutions.

10. Conclusion

No doubt, digital gold is one of the intelligent modern ways of investment in gold, amalgamating the timeless value of gold with the convenience of technology. It is within the reach of even those who can afford an amount as low as ₹100.

Whether you are after a safe haven investment or portfolio diversification, digital gold is something worth considering. If you choose the right platform for your needs and understand its benefits while avoiding physical gold's pitfalls, you are on the sure way to creating a secure future.

The secret of investing is to invest early and consistently, and digital gold allows one to do so, no matter how shoestring one's budget may be. Why wait, then? Invest today and let your digital gold dreams turn into reality!


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