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Diwaker is a writer who makes sure to save money. For the last 5 years, he has put ₹5,000 every month into digital gold. Due to the constant rise in gold prices, small savings grew day by day.
Year | Monthly Investment | Total Investment | Current Value |
1 | ₹5,000 | ₹60,000 | ₹70,000 |
2 | ₹5,000 | ₹1,20,000 | ₹1,50,000 |
3 | ₹5,000 | ₹1,80,000 | ₹2,40,000 |
4 | ₹5,000 | ₹2,40,000 | ₹3,50,000 |
5 | ₹5,000 | ₹3,00,000 | ₹4,80,000 |
At the beginning, Diwaker earned only ₹5,000 a month. Since purchasing gold 5 years prior, that sum of ₹3,00,000 has increased to around ₹4,80,000. This indicates that making small, consistent investments will result in a sum over the years.
With digital gold, you can buy real gold without having it in your hands. You won’t own gold as such; it will be in electronic form and protected by reliable companies.
Example: Diwaker’s Digital Gold Investment
Every month, Diwaker dedicates ₹5,000 to buying digital gold. Gradually over 5 years, his small savings became much larger.
Read More – How to Calculate Gold Rate: All You Need to Know
Year | Monthly Investment | Total Investment | Current Value |
1 | ₹5,000 | ₹60,000 |
Although Diwaker invested ₹3,00,000 in digital gold, his investment is now worth ₹4,80,000 because the price of gold has gone up. This demonstrates how, little by little, your savings can rise over the years.
Investing in digital gold is straightforward, safe, and you don’t need to worry about physically storing your gold.
You can easily buy digital gold through platforms you can trust. Every month, Diwaker purchases digital gold using various applications as a content writer. Here are the most recommended places to purchase digital gold:
Mobile Payment Apps (Easy for small investments)
Investment Apps (Good for tracking growth)
Bank Apps (Safe and regulated)
Gold Specialists (Best for purity assurance)
Platform | Minimum Investment | Selling Time | Storage Fee |
Google Pay | ₹1 | Instant | Free First Year |
Diwaker likes using Google Pay to invest his monthly savings because:
Because he invests more than the daily limits, he oversees his portfolio through Groww. HDFC is a safe bank, but it does require you to invest more funds.
If you want digital gold, all you have to do is choose a secure website and invest a small amount, as Diwaker did.
Every month, the content writer, Diwaker, buys digital gold. This is how David accomplishes his work step by step:
Diwaker uses Google Pay because it's easy. Other options:
Step | Diwaker's Action | Time Taken |
1. Sign Up | Creates a Google Pay account | 5 minutes |
2. KYC | Upload PAN/Aadhaar |
₹70,000
2 | ₹5,000 | ₹1,20,000 | ₹1,50,000 |
3 | ₹5,000 | ₹1,80,000 | ₹2,40,000 |
4 | ₹5,000 | ₹2,40,000 | ₹3,50,000 |
5 | ₹5,000 | ₹3,00,000 | ₹4,80,000 |
₹100 |
1-2 days |
0.5% after 1 year |
HDFC Bank | ₹1,000 | 1 day | 0.5% after 1 year |
SafeGold | ₹10 | Instant | 0.5% after 1 year |
*T&C Apply
10 minutes |
3. Select Gold | Click “Buy Gold.” | 1 minutes |
4. Enter ₹5,000 | Types Amount | 30 second |
5. Pay | Uses UPI | Instant |
Diwaker spends just 15 minutes monthly to invest. The gold stays safe in his app, growing in value over time. He can sell or convert to physical gold whenever needed.
Because Diwaker had some expenses last month, he decided to cash in a bit of his digital gold. This is the method he used:
Opened his gold investment app
Went to the gold section
3.Selected "Sell Gold" option
4.
Confirmed the transaction
5.Received payment
Diwaker learned some important things:
Diwaker can take out his gold money whenever he requires it, with the rest being kept in investments to grow for the future. He has chosen to deal with only small amounts when he has to and to keep most of the gold for growth over the years.
He realised that handling digital gold for buying and selling requires paying minimal fees. This is what he has to pay:
Charge Type | Diwaker's Platform (Google Pay) | Other Platforms |
Buying Fee | 3% of the purchase amount | 1-3% |
Selling Fee | 3% of the sale amount | 1-3% |
Storage Fee | Free first year, then 0.5% yearly | 0.5-1% yearly |
Key points Diwaker noticed:
Before making a purchase, Diwaker looks at the fees, and he now prefers using exchanges with cheaper fees for his monthly investments.
Diwaker used digital gold and found it simple and effective for most people. He was a good investor in gold by regularly adding ₹5,000 each month to his Google Pay account. After five years, ₹3,00,000 grew to ₹4,80,000, showing that slow, steady saving can result in a large gain. He didn’t have any trouble, as buying involved a few clicks and selling was just the same.
Also Read - Gold Loan Interest Calculation 2025: A Clear Guide
He realised 3% charges when he bought and sold were worth the benefits. Diwaker’s story proves that digital gold is an easy way for anyone to start investing in gold, as you can buy or sell it whenever needed and never worry about storage. He now relies on using Grauburg endowment certificates for buying and holding gold.
1. What is digital gold?
Digital gold is a way to buy real gold online without holding physical coins or jewelry. Your gold is stored securely by trusted companies, and you can buy or sell it anytime through apps.
2. Is digital gold real gold?
Yes, it’s real 24K gold stored in safe vaults. You can even convert it into physical gold coins or jewelry if needed.
3. How much do I need to start investing?
You can start with as little as ₹1. Diwaker invests ₹5,000 monthly, but even small amounts add up over time.
4. Where can I buy digital gold?
Popular apps like Google Pay, PhonePe, Groww, and bank apps like HDFC or SBI allow you to buy digital gold easily.
5. Are there any fees?
Yes, most platforms charge 1-3% when buying or selling. Some also charge 0.5% yearly storage fees after the first year.
6. How do I sell digital gold?
Open your app, go to the gold section, select "Sell," enter the amount, and the money comes to your bank account in hours.
7. Can I get physical gold if I want?
Yes, many platforms let you convert digital gold into coins or jewelry, though small making charges may apply.
8. Is digital gold safe?
Yes, if you buy from trusted providers like MMTC-PAMP, SafeGold, or bank-backed apps. Avoid unknown platforms.
9. How is digital gold better than physical gold?
No storage worries, no risk of theft, and you can buy small amounts. Physical gold needs safekeeping and has making charges.
10. Do I pay taxes on digital gold?
If sold within 3 years, profits are added to your income and taxed. After 3 years, a 20% tax applies with indexation benefits.
How to Guides – Investing, Trading & Wealth Building | ||
