As gold prices continue to rise and inflation impacts traditional saving methods, digital gold has become one of the most popular investment options in India. In 2025, millions of users are shifting to Digital Gold Investment 2025 through mobile apps for convenience, transparency, and safety.
Digital gold allows investors to buy, sell, and hold gold online without worrying about physical storage or purity. This modern alternative offers 24K certified gold backed by reputed partners and secured in insured vaults. Let’s explore the top apps dominating the space in 2025 and how they compare.
Why Digital Gold is Gaining Popularity
Unlike physical gold, digital gold offers:
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Instant purchase/sale from ₹1 onwards
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99.9% purity certified by MMTC-PAMP, Augmont, or SafeGold
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No making charges
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Real-time price updates
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Easy conversion to coins or jewellery later
This flexibility has made digital gold a top micro-investment choice, especially among Gen Z and salaried millennials.
Top Digital Gold Investment Apps in India – 2025
Here’s a detailed comparison of the most trusted apps currently used for digital gold investment in India:
| App Name | Provider | Key Features | Safety & Vault Partner |
|---|---|---|---|
| PhonePe | SafeGold | Easy UI, SIP in gold, wallet integration | BRINKS Vault, insured |
| Paytm | MMTC-PAMP | Trusted provider, buy/sell/gift gold | MMTC-PAMP vaults |
| Groww | Augmont | Simple dashboard, price charts | Augmont’s secured vaults |
| Tata Neu | MMTC-PAMP | Loyalty program with NeuCoins | MMTC-PAMP |
| Google Pay | MMTC-PAMP | Direct gold purchase with bank-linked accounts | MMTC-PAMP secured |
| Mobikwik | SafeGold | Buy, sell, gift gold in 24K | Insured vault storage |
What to Look for When Choosing an App
When selecting the right platform for Digital Gold Investment 2025, consider:
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Regulated provider: Stick to MMTC-PAMP, SafeGold, or Augmont for authenticity.
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Minimum investment: Some apps allow starting from ₹1.
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Vault insurance: Ensure gold is stored securely and insured.
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User interface: Choose an app that offers simple tracking and history logs.
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SIP feature: For disciplined monthly investing in gold.
Benefits of Digital Gold Over Physical Gold
Digital Gold Investment 2025 is preferred for the following reasons:
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No need to visit stores or deal with brokers
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No worries about storage or theft
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Ideal for gifting with instant transfers
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Transparent pricing linked to global markets
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Partial withdrawals allowed
Additionally, digital gold can be converted to physical form (coins/jewellery) if desired, making it a flexible hybrid asset.
Government View & Future of Digital Gold
While digital gold is not regulated directly by SEBI or RBI yet, most providers work under partnerships with regulated entities. The SEBI gold exchange framework, introduced in 2023, has also encouraged more transparency.
In 2025, digital gold is being widely used in:
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UPI-based gold purchases (via GPay, PhonePe)
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SIP plans through platforms like Jar and Kuvera
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Co-investment products bundled with mutual funds
The market size is expected to cross ₹10,000 crore in total assets by the end of 2025, driven by financial inclusion and app-based investing.
FAQs
Which is the safest app for digital gold investment in India?
PhonePe, Paytm, and Groww are considered the safest due to their partnerships with MMTC-PAMP, SafeGold, and Augmont respectively.
Can I start investing in digital gold with ₹1?
Yes, apps like PhonePe and Mobikwik allow investments starting from ₹1.
Is digital gold taxable in India?
Yes. Gains from digital gold are treated as capital gains. If held for more than 3 years, long-term capital gains tax applies.
Can I convert digital gold into jewellery?
Yes. Platforms like MMTC-PAMP allow conversion into coins or jewellery, often with doorstep delivery.
Is there any SIP option available for digital gold?
Yes. Apps like Jar, Groww, and PhonePe provide gold SIPs, where you can invest a fixed amount monthly.