Gold has always been a symbol of wealth and security in India. Today, investing in gold is easier than ever with digital platforms. Whether you’re saving for a wedding, building an emergency fund, or simply diversifying your portfolio, these best apps to buy gold online make it simple to start with amounts as low as ₹1.
In this guide, we’ll explore ten trusted platforms where you can invest in digital gold safely and conveniently.
Why Invest in Digital Gold?
Before we dive into the best apps to buy gold online, let’s understand why digital gold is gaining popularity:
- Low Entry Barrier: Start investing with as little as ₹1
- No Storage Hassles: Your gold is stored in secure, insured vaults
- 24/7 Trading: Buy or sell anytime at live market prices
- Purity Guaranteed: Get 24K 999.9 pure gold
- Easy Conversion: Convert to physical gold coins or jewellery
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1. Google Pay – Simple and Trusted
About the App
Google Pay offers digital gold services through MMTC-PAMP India Pvt. Ltd., allowing you to purchase 99.99% pure 24K gold units. Your gold is stored in a Gold Accumulation Plan (GAP) maintained by MMTC-PAMP.
How to Invest
- Open the Google Pay app
- Type ‘Gold Locker’ in the search bar and select it
- Tap ‘Buy’ to see current market prices
- Enter the amount (minimum ₹1, maximum ₹50,000 per day)
- Choose your payment account and enter PIN
- Your gold balance appears in the Gold Locker
Unique Features
- No storage fees, allowing you to keep gold as long as you want
- Option to gift digital gold to friends
- Gold purchases are 100% insured
USP
Seamless integration with your daily UPI transactions makes this one of the best apps to buy gold online for beginners.
Download: Google Play | App Store
2. PhonePe – Flexible Investment Options
About the App
PhonePe allows you to purchase certified 24K Gold at live market prices, with storage in highly secured bank-grade lockers. They partner with SafeGold and MMTC-PAMP.
How to Invest
- Open PhonePe.
- Click on ‘Digital Gold’ Section and go to Buy Digital Gold.
- Enter the amount you wish to invest or Grams you wish to purchase.
- Pay using your preferred payment method
- Gold gets credited to your account instantly. You can see live prices.
- You can also sell the Gold anytime and present value will be credited to your account within 48 hours.
Unique Features
- UPI SIP for gold investments starting at ₹100 per month
- Partnership with MMTC-PAMP, SafeGold, and Caratlane for 99.99% purity
- Daily or monthly SIP options available
USP
Setting up a Gold SIP is a one-time, hassle-free process with completely automated subsequent investments.
Download: Google Play | App Store
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3. Amazon Pay – Convenient for E-Commerce Users
About the App
Amazon Pay has partnered with SafeGold to offer digital gold services, allowing customers to buy digital gold for as little as ₹5.
How to Invest
- Open Amazon app or visit Amazon.in
- Search for ‘Gold Vault’ or find it on Amazon Pay page
- View the live rate and choose rupee value or grams to buy
- Select payment method (UPI, cards, net banking)
- Complete the purchase
Unique Features
- Convert digital gold to gold bars, coins, or jewellery via Tanishq/Caratlane
- 24K gold of 995 purity (99.5% pure)
- Maximum storage of 30 grams
USP
Perfect for those who already shop on Amazon and want a trusted platform among the best apps to buy gold online.
Download: Google Play | App Store
4. Paytm – Comprehensive Gold Investment
About the App
Paytm collaborates with MMTC-PAMP to offer 24K 99.99% pure gold starting from ₹1. It’s one of the oldest and most trusted platforms for digital gold.
How to Invest
- Open Paytm app and look for ‘Gold’ option under ‘Wealth’ or ‘Investment’ section
- Select your desired amount (minimum ₹51 for systematic investing)
- Choose payment method (UPI, cards, debit cards, wallet)
- Gold gets credited to your Paytm Gold account immediately
Unique Features
- Gold Coins reward system – earn Gold Coins on every payment
- Five-year storage with MMTC-PAMP at no additional cost
- Auto-save feature for regular investments
USP
100 Gold Coins can be redeemed into ₹1 worth of actual gold, making everyday transactions rewarding.
Download: Google Play | App Store
5. Jar – Automated Daily Savings
About the App
Jar is an Indian fintech startup that allows users to invest in gold for as little as ₹10 a day, targeting low to middle-income users. The startup has reached over 35 million registered users across 12,000 zip codes.
How to Invest
- Login with your phone number to create your Jar account
- Setup UPI autopay from your PhonePe, GooglePay, or Paytm account
- Choose daily, weekly, or monthly savings amount
- Jar saves money daily for you at the best gold rate
Unique Features
- Round-off feature that automatically invests spare change from transactions
- 99.95% pure gold with minimum investment of ₹10
- Withdraw or sell after 24 hours with no lock-in period
USP
India’s first app to automate daily gold savings through spare change investment, making it truly one of the best apps to buy gold online for habitual savers.
Download: Google Play | App Store
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6. MMTC-PAMP – Direct from the Refinery
About the App
MMTC-PAMP is India’s only LBMA accredited refinery for both gold and silver, offering 24K 999.9 gold bars and coins. This is a direct-to-consumer platform from the refinery itself.
How to Invest
- Download MMTC-PAMP app or visit their website
- Register with your mobile number
- Complete KYC for purchases above ₹49,999
- Choose weight of gold and pay the amount (minimum ₹1, maximum ₹200,000 per day)
- Gold gets stored in your digital account
Unique Features
- Gold stored in fully insured, bank-grade vaults
- First five years of storage is free
- Independent trustee Universal Trusteeship Services Ltd. for customer protection
USP
Buying directly from India’s premier refinery ensures authenticity and makes it one of the most trustworthy best apps to buy gold online.
Download: Google Play
7. Tanishq – Jewellery Brand Trust
About the App
Tanishq Digital Gold, powered by SafeGold, offers 24K 99.5% pure gold starting from ₹100. It’s backed by the Tata Group’s jewellery brand.
How to Invest
- Visit Tanishq Digital Gold page or download Tanishq app
- Enter your mobile number and verify with OTP
- Enter PAN number and pin-code for KYC completion
- Make payment to complete your first investment
Unique Features
- Redeem digital gold for jewellery at Tanishq or CaratLane stores
- Sell after 72 hours of purchase
- No lock-in period
USP
Direct redemption at Tata’s jewellery outlets nationwide makes this unique among the best apps to buy gold online.
Download: Google Play | App Store
8. Groww – For Existing Investors
About the App
Groww partners with Augmont Gold to allow digital gold investment alongside stocks and mutual funds. However, note that digital gold investment has been temporarily stopped, but Gold ETFs and Sovereign Gold Bonds remain available.
How to Invest (for Gold ETFs)
- Open the Groww App and tap on the search bar
- Click on ETFs from available options
- Search for Gold ETFs
- Select your preferred Gold ETF and invest
Unique Features
- Integrated platform for stocks, mutual funds, and gold
- Two-day holding period before selling
- Paperless account opening
USP
Best for investors who want to manage all investments in one place, making it convenient among best apps to buy gold online for portfolio diversification.
Download: Google Play | App Store
9. DigiGold (Augmont) – Complete Gold Lifecycle
About the App
Augmont Gold For All is a comprehensive platform offering digital gold, gold loans, coins and bars, and jewellery on EMI. The platform is backed by 4+ crore registered users.
How to Invest
- Register by entering your mobile number and verifying with OTP
- Provide PAN/Form 60 and bank account details
- Buy any quantity of gold (minimum ₹1)
- Choose payment method (wallets, net banking, UPI, cards)
Unique Features
- 24K 999 purity gold stored in 100% insured, Sequel-certified vaults
- BIS Hallmark certification and lifetime buyback guarantee on coins
- Can sell only after 48 hours for security reasons
USP
Partnership with 4500+ trusted jewellers nationwide makes redemption extremely convenient.
Download: Google Play | App Store
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10. MyGold – India’s First Gold Leasing Platform
About the App
BKS MyGold is India’s pioneering Gold Bank that revolutionizes gold investment with blockchain technology. Backed by MMTC-PAMP, it offers 24K 99.99% pure digital gold with a unique gold leasing feature that grows your gold by 5% annually in weight.
How to Invest
- Download BKS MyGold app and register with your mobile number
- Complete KYC verification process
- Choose to buy digital gold starting from ₹10
- Select payment method (UPI, net banking, cards)
- Your gold gets credited instantly to your MyGold account
Unique Features
- Gold Leasing: Lease your gold and earn guaranteed 5% annual growth in gold weight
- Gold SIP starting from ₹10 per day
- No lock-in period with complete flexibility
- daanGold feature to donate gold to temples digitally
- Gift digital gold to loved ones instantly
USP
World’s first comprehensive gold lease platform where your gold grows in weight (not just value), earning up to 17% returns. Partnership with VISTRA and SEBI-approved vault managers ensures maximum security.
Download: Google Play | App Store | Website
Tax Implications if You Buy Gold Online
- 3% GST on all gold purchases
- Short-term capital gains (if sold within 3 years): Added to income
- Long-term capital gains (after 3 years): 20% with indexation benefits
Tips for Investing through Apps to buy Gold Online
- Start Small: Begin with minimum amounts to understand the platform
- Use SIP: Set up automated investments for disciplined saving
- Compare Prices: Check buy-sell spreads across platforms
- Plan Redemption: Understand making charges for physical gold
- Complete KYC: Essential for larger investments above ₹50,000
Conclusion to Best Apps to Buy Gold Online
The best apps to buy gold online have made gold investment accessible to everyone. Whether you prefer Google Pay’s simplicity, Jar’s automated savings, or Tanishq’s jewellery redemption, there’s an option for every investor.
Digital gold combines the timeless value of gold with modern convenience. Start your golden journey today with as little as ₹1 and watch your wealth grow.
