Digital Gold
Buy 24K gold online from ₹1 — but understand that it is not regulated by SEBI or RBI.
Rates as on 29 September 2026 · Updated 29 September 2026Overview
Digital gold lets you buy 24K (99.9%/99.5%) gold in tiny amounts through apps and jewellers; the seller stores equivalent physical gold with a vault custodian. On 8 November 2025 SEBI cautioned investors that digital-gold products are outside its regulatory framework and carry counterparty and operational risks, and pointed to regulated alternatives — gold ETFs, Electronic Gold Receipts and exchange-traded gold derivatives.
| Particular | Details |
|---|---|
| Minimum | ₹1 |
| Purity | 24K 999 / 995 |
| GST | 3% on purchase |
| Regulation | Not regulated by SEBI / RBI |
| Delivery | Convert to coins/bars with delivery & minting charges |
| Tax | LTCG 12.5% after 24 months |
Risks
- No regulator oversight or investor-protection fund
- Buy–sell spread of ~3% plus GST
- Storage free only for a limited period on some platforms
- Platform or custodian failure risk
Safer alternatives
SEBI-regulated, exchange-traded.
Exchange-traded, backed by vaulted gold.
SIP from ₹100 without demat.
Frequently asked questions
Is digital gold safe?
It is backed by vaulted gold but is unregulated; SEBI advises caution.
Gold rates are indicative market references (29 September 2026) and change during the day. Rules on tax, hallmarking and investment products can change — verify with official sources. FinancePortal does not sell gold.