Digital gold · India explainer

Own gold from your phone, gram by gram.

How buying gold on Paytm, PhonePe and SafeGold really works — price, GST, storage and turning it into coins — checked against the live XAU spot price.

From ₹124K · 99.9%GST 3%Insured vaults

3 ways Indians own gold digitally

Digital gold

Paytm · PhonePe · SafeGold — from ₹1, 24K, 3% GST, insured vaults.

Gold ETFs

Bought via demat like a stock — no GST, small expense ratio.

Sovereign Gold Bonds

RBI-issued, 2.5% yearly interest, tax-free if held to maturity.

Compare all three →

The guide

Everything before your first gram

What is digital gold?

24K gold held in your name in insured vaults — bought in fractions from ₹1.

Paytm vs PhonePe vs SafeGold

Who the provider actually is, plus spreads, limits and sell rules compared.

Charges & spread

The buy/sell gap, 3% GST and what storage costs after five years.

Tax on digital gold

GST on the way in, capital-gains on the way out, and the holding periods.

Convert to coins

Minimum grams, making charges and how delivery to your door works.

Digital gold vs SGB vs ETF

Which gold wrapper fits saving, investing or a wedding — side by side.

XAU/USD · spot

$4,275.00

24K · per gram

₹12,095

22K · per gram

₹11,079

GST on buy

USD live · per-gram indicative at ₹88/$

Prefer the price, not the metal?

Trade gold's moves on FxPro

Digital gold is for owning. To trade XAU/USD price swings with leverage, open an FxPro account — tight spreads and fast withdrawals.

Trade gold on FxPro →