Gold has always been a trusted investment in Indian households. But in 2025, it’s not just physical jewellery or coins that people are buying — it’s digital gold. With safety, flexibility, and real-time accessibility, Digital Gold Investment 2025 is gaining momentum, especially among millennials and first-time investors. From ₹10 purchases to long-term SIP-style savings, digital gold apps are transforming how India saves in gold.
Backed by trusted vaults and regulated platforms, digital gold allows users to buy, sell, and even gift 24K gold online — all without stepping into a jewellery store. If you’re looking for the best apps to start your gold savings journey, this guide highlights the top-rated platforms in 2025.
What is Digital Gold?
Digital gold is real, 24K pure gold that you buy online and is stored in secure, insured vaults in your name. You can:
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Buy gold starting from ₹10 or 0.1 gram
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Sell gold anytime at live market rates
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Convert it into physical gold (coins/jewellery)
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Gift it digitally or use it as collateral for loans
In 2025, SEBI and RBI guidelines ensure digital gold platforms follow transparency and safety norms, making them ideal for both short- and long-term investment.
Top Digital Gold Investment Apps in India – 2025
1. PhonePe Gold
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Partner: SafeGold
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Minimum Investment: ₹1
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USP: Instant buy/sell, auto-save feature
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Features: Daily gold price alerts, gifting option, insured locker storage
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Why It’s Popular: Integrated into India’s top UPI app, trusted by millions
2. Paytm Gold
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Partner: MMTC-PAMP
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Minimum Investment: ₹1
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USP: Redeemable for jewellery via Paytm Mall
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Features: 24/7 buying/selling, digital gift cards, wealth dashboard
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Bonus: Option to set monthly gold savings plans
3. Groww Gold
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Partner: Augmont
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Minimum Investment: ₹10
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USP: Simple, investor-friendly interface
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Features: Track gold with other mutual fund and stock investments
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Popular Among: Young investors who want diversified digital portfolios
4. Tata Neu Gold
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Partner: SafeGold
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Minimum Investment: ₹10
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USP: Earn NeuCoins while buying gold
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Features: Vault balance display, easy KYC process, in-app marketplace
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Why It’s Trending: Strong brand trust and integrated lifestyle ecosystem
5. Amazon Pay Gold
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Partner: SafeGold
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Minimum Investment: ₹1
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USP: Cashback offers during sales
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Features: Real-time pricing, Amazon wallet integration
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Ideal For: Regular online shoppers who want to invest while spending
Each of these apps ensures secure storage, live pricing, and full transparency — making Digital Gold Investment 2025 simple, accessible, and mobile-first.
Benefits of Digital Gold in 2025
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No locker or making charges unlike traditional jewellery
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High liquidity – sell within seconds, 24/7
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No minimum tenure – exit anytime
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Can be used as collateral for gold loans via partner NBFCs
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Tax benefits same as physical gold (capital gains applicable after 3 years)
These features make digital gold especially attractive for salaried professionals, students, and those without access to traditional financial advisors.
Monthly SIPs & Auto-Invest Plans
A major highlight of Digital Gold Investment 2025 is the auto-invest or gold SIP feature offered by platforms like Paytm and PhonePe. These plans allow users to:
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Set a fixed amount (₹100 or more) to invest weekly/monthly
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Automate the buying process at best available rates
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Accumulate grams over time, which can be converted to coins/jewellery later
This encourages disciplined gold saving, similar to mutual fund SIPs — a habit that’s catching on rapidly, especially among Tier 2 and Tier 3 city users.
Security and Regulation
In 2025, digital gold players are expected to:
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Be partnered with RBI-recognized gold refiners (MMTC-PAMP, SafeGold, Augmont)
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Offer 100% insured, audited vaults
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Provide a 24×7 transaction audit trail
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Issue purity and storage certificates on every transaction
While SEBI is yet to regulate digital gold directly, partnerships with regulated payment apps (like Paytm and Amazon) ensure a safe environment for investors.
FAQs
Is digital gold safe to invest in 2025?
Yes. Digital gold in 2025 is backed by reputed refiners and stored in insured vaults. Apps also offer full transaction transparency and redemption options.
What is the minimum amount required to invest in digital gold?
You can start with as little as ₹1 on platforms like PhonePe, Paytm, and Amazon Pay.
Can I convert my digital gold to jewellery?
Yes. Many platforms allow redemption in the form of coins, bars, or jewellery with doorstep delivery.
Are there any charges for buying or selling digital gold?
Some apps may charge a small spread between buy/sell prices. Redemption or delivery charges apply only if you convert to physical gold.
Which app is best for beginners?
PhonePe and Paytm are ideal for first-time users due to their simplicity, low minimums, and trusted ecosystem.
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