Digital Gold Price 2025

Digital Gold is a virtual form of investing in real gold. When you buy digital gold, the equivalent quantity of 99.9% purity 24K gold is purchased and stored in your name by the provider in secure vaults. You can either:

1. Sell it anytime online at live market prices
2. Convert it into physical gold (jewellery or coins)
3. Hold it as an investment for future use

Digital gold combines the safety of physical gold with the flexibility of digital platforms.

Where Can You Buy Digital Gold in India?

Digital gold is available through:

These providers are regulated, and the gold is 100% insured, stored in independent vaults, and periodically audited.

Advantages of Investing in Digital Gold

The advantages of investing in digital gold are as follows:

1. Digital gold investment amounts can be as small as Re.1.
2. You can sell or buy digital gold from the comfort of your home.
3. Unlike physical gold, digital gold offers instant liquidity without any hassle.
4. You can use it as collateral for online loans.
5. Digital gold is fully insured and stored safely.
6. It can be exchanged for physical gold such as gold jewellery, gold coins, and bullion.

Disadvantages of Investing in Digital Gold

The disadvantages of investing in digital gold are as follows:

1. A GST of 3% will be levied on digital gold.
2. Companies provide a limited storage period, after which digital gold has to be delivered physically or sold.
3. Capital gain tax is added when selling digital gold. If the investment or holding period is less than 36 months, it will be subject to the Short-Term Capital Gains (STCG) tax, under 'Income from Other Sources,' and taxed at the buyer's income tax bracket. If held for more than 36 months, it will be subject to the Long-Term Capital Gains (LTCG) tax of 20% (with indexation benefit), plus cess and surcharge.
4. Most platforms have a limit of Rs.2 lakh for digital gold investment.
5. There is no government-run regulating body like the Securities and Exchange Board of India (SEBI) or the Reserve Bank of India (RBI).

Digital Gold vs Physical Gold vs Gold ETFs

Is Digital Gold Safe?

Yes, digital gold is considered safe when bought from reputed providers. Here’s why:

1. Backed by real, physical gold stored in your name
2. Vaults are insured and audited
3. Regulated partners like MMTC-PAMP (government-owned), SafeGold, and Augmont handle storage and quality
4. SEBI is working on formal guidelines for regulation, which will increase safety further

Tip: Always buy from platforms that mention who the gold custodian is.

Things to Consider Before Buying Digital Gold

1. Storage duration: Some platforms allow free storage for 5 years, after which charges apply.
2. GST: 3% GST is applicable on digital gold purchases, similar to physical gold.
3. Price spreads: Selling price may be slightly lower than buying price due to spread.
4. Conversion cost: If you opt for physical delivery, making and shipping charges may apply.