Digital gold has become an increasingly popular investment option in India due to its convenience, safety, and liquidity. Unlike physical gold, digital gold allows you to buy, sell, and hold gold online in small denominations backed by 24K pure gold stored securely in vaults. Several banks and fintech platforms offer digital gold, each with unique features and benefits.
Leading Providers of Digital Gold.
The top digital gold providers and platforms in India in 2025 include:
1.Tanishq DigiGold: Backed by the trusted Tata Group, Tanishq offers 24K digital gold purchase with facilities to sell or exchange at over 350 stores nationally. It charges no storage fees and allows easy redemption of digital gold into physical gold or jewelry.
2.PhonePe: Partnered with SafeGold and MMTC-PAMP, PhonePe offers 24K digital gold backed by government-trusted bullion. Features include zero account opening fees, instant buying/selling, and digital storage in a bank-grade locker but no option to convert into bars or coins.
3. Paytm: Offers digital gold with 24K purity, allowing users to store gold units for up to 5 years without fees. It integrates well with other Paytm services and is accessible to their large user base.
4. Airtel Payment Bank: Allows customers to invest in 24K 99.9% pure gold starting from ₹1, with lifetime free storage in ultra-secure vaults. It supports lump sum or SIP investments but lacks jewelry exchange options.
5. DigiGold: A trusted platform offering digital gold and silver, backed by 24K pure gold stored in Brink’s vaults. It offers flexible investments starting as low as ₹1, with instant tracking of portfolio value.
6.MMTC-PAMP: A government-backed venture in partnership with a Swiss bullion brand offering 24K 99.9% pure gold investment by weight or value with automated invoicing.
Advantages of Digital Gold with Banks.
Safety and Purity: Digital gold is backed by physical gold with guaranteed 24K purity, stored securely in government-trusted vaults.
Low Minimum Investment: You can start investing with amounts as low as ₹1 or ₹5, making it accessible for small investors and beginners.
No Storage Hassles: Unlike physical gold, there are no locker fees or risk of theft.
Instant Liquidity: You can buy or sell digital gold anytime at live market prices through the app or platform.
Collateral for Loans: Many banks and platforms allow pledging digital gold for quick loans, providing financial flexibility.
Conversion Options: Some platforms, like Tanishq, allow converting digital gold into physical gold or jewelry at partner stores.
Considerations When Choosing a Bank for Digital Gold
Check the purity guarantee (99.9% or higher).
Look for zero or minimal storage fees.
Consider the ease of buying, selling, and redemption options.
Verify if the platform provides physical gold delivery or jewelry conversion.
Evaluate customer service and app usability.
Summary Table of Popular Digital Gold Banks & Platforms.
| Platform/Bank | Minimum Investment | Purity | Storage Fees | Redemption Options | Loan Collateral Support | Unique Features |
| Tanishq DigiGold | ₹100 | 24K (99.9%) | No | Sell or exchange at stores | Part of Tata Group, jewelry exchange | |
| PhonePe | ₹1 | 24K (99.9%) | No | Sell digitally only | Yes | Bank-grade locker storage |
| Paytm | ₹1 | 24K (99.9%) | No | Sell digitally only | Yes | Large user base integration |
| Airtel Payment Bank | ₹1 | 24K (99.9%) | No | Sell digitally only | Yes | Lifetime free storage |
| DigiGold | ₹1 | 24K (99.9%) | No | Sell digitally only | Yes | Also offers silver investment |
| MMTC-PAMP | ₹1 | 24K (99.9%) | No | Sell digitally only | Yes | Government trust, automated invoice |
Digital gold investment in India is a secure, convenient, and flexible way to own gold without the complications of physical handling. Banks and reputed platforms like Tanishq, PhonePe, and Airtel Payments Bank lead the way by offering trusted purity and easy transaction experiences for all types of investors in 2025.
This guide should help you choose the best bank or platform to start your digital gold investment journey confidently.
