Top Investment Apps for Gold and Silver in India (2025)
Gold and silver have historically been regarded as reliable safe-haven investments. For centuries, they have functioned as a reliable store of value, a safeguard against inflation, and a preferred investment option in times of uncertainty. Today, with the advancement of technology and mobile finance, investing in these precious metals is easier and more convenient than ever.
Thanks to a range of secure and user-friendly investment apps, anyone can buy, sell, and store gold or silver digitally—starting from as little as ₹1. Whether you’re a first-time investor or someone looking to diversify their portfolio, these apps are making it possible to invest in real, 24K gold and certified silver, anytime and from anywhere.
What Is Digital Gold and Silver?
Digital gold and silver refer to real physical gold or silver that is purchased online through investment platforms. When you buy digital gold, you are purchasing actual 24K gold which is stored in insured vaults on your behalf by the service provider. The same goes for silver, although it’s more volatile and generally cheaper per gram.
You can later choose to:
- Sell it digitally at live market prices
- Convert it into physical form and have it delivered
- Use it for collateral or gifting purposes
✅ Benefits of Investing in Gold and Silver Through Apps
More Indians are increasingly opting for digital platforms to invest in gold and silver for the following reasons:
- Convenience: Make investments at any time and from any location using only your smartphone.
- Small ticket size: Start with as little as ₹1—no need to buy a full gram.
- High liquidity: Sell instantly at real-time market prices.
- Secure storage: Your assets are backed by real gold/silver stored in insured, secure vaults.
- Purity guaranteed: Most platforms offer 99.99% pure 24K gold and 999 silver.
- Rest assured regarding theft and storage: There is no necessity to be concerned about safes or lockers in your residence.
📱 Leading Gold and Silver Investment Applications in India (2025)
Here are some of the most trusted and widely used platforms offering digital gold and silver investments:
1. Paytm Gold
Highlights:
- Offers both gold and silver investments.
- Backed by MMTC-PAMP.
- Simple and intuitive interface.
- Option to gift gold/silver to others.
Why users love it: Paytm has made investing in gold and silver feel like a natural extension of mobile payments. You can buy with just a few taps, and the process is seamless.
2. PhonePe Gold
Highlights:
- Backed by SafeGold.
- Gold is stored in secure vaults.
- Option to set up automatic purchases (Gold SIP).
Why users love it: PhonePe’s integration with UPI makes it extremely easy to invest and track. It also allows setting up regular investments which is great for disciplined savers.
3. Google Pay (GPay) Gold
Highlights:
- Partnered with MMTC-PAMP.
- Offers live gold rates.
- Option to buy or sell instantly.
Why users love it: GPay’s gold feature is well-integrated and works smoothly for people already using it for UPI transactions.
4. Tata Neu – Digital Gold
Highlights:
- Backed by SafeGold.
- Part of the Tata ecosystem.
- Earn NeuCoins on transactions.
Why users love it: Trusted brand and seamless integration with other Tata digital services make this app a top choice among Tata loyalists.
5. Groww
Highlights:
- Known for mutual fund and stock investing.
- Also offers digital gold purchases.
- Easy tracking within a single app.
Why users love it: People already using Groww for stocks or mutual funds find it convenient to keep all investments under one roof.
6. BharatPe Gold
Highlights:
- Targets merchants and small business owners.
- Backed by SafeGold.
- Daily SIP option available.
Why users love it: Perfect for small business owners and shopkeepers looking to save in gold with flexibility.
7. Mobikwik Gold
Highlights:
- Instant buy/sell.
- Redemption in coins and bars possible.
- Investment as low as ₹1.
Why users love it: It’s a great option for users who already use Mobikwik for bill payments or recharges.
8. MMTC-PAMP’s Own App – MyGoldKart
Highlights:
- Direct source for 24K digital gold.
- Can convert into coins and have them delivered.
- Real-time pricing.
What Is Digital Gold and Silver?
Digital gold and silver refer to real physical gold or silver that is purchased online through investment platforms. When you buy digital gold, you are purchasing actual 24K gold which is stored in insured vaults on your behalf by the service provider. The same goes for silver, although it’s more volatile and generally cheaper per gram.
You can later choose to:
- Sell it digitally at live market prices
- Convert it into physical form and have it delivered
- Use it for collateral or gifting purposes
✅ Benefits of Investing in Gold and Silver Through Apps
More Indians are increasingly opting for digital platforms to invest in gold and silver for the following reasons:
- Convenience: Make investments at any time and from any location using only your smartphone.
- Small ticket size: Start with as little as ₹1—no need to buy a full gram.
- High liquidity: Sell instantly at real-time market prices.
- Secure storage: Your assets are backed by real gold/silver stored in insured, secure vaults.
- Purity guaranteed: Most platforms offer 99.99% pure 24K gold and 999 silver.
- Rest assured regarding theft and storage: There is no necessity to be concerned about safes or lockers in your residence.
📱 Leading Gold and Silver Investment Applications in India (2025)
Here are some of the most trusted and widely used platforms offering digital gold and silver investments:
1. Paytm Gold
Highlights:
- Offers both gold and silver investments.
- Backed by MMTC-PAMP.
- Simple and intuitive interface.
- Option to gift gold/silver to others.
Why users love it: Paytm has made investing in gold and silver feel like a natural extension of mobile payments. You can buy with just a few taps, and the process is seamless.
2. PhonePe Gold
Highlights:
- Backed by SafeGold.
- Gold is stored in secure vaults.
- Option to set up automatic purchases (Gold SIP).
Why users love it: PhonePe’s integration with UPI makes it extremely easy to invest and track. It also allows setting up regular investments which is great for disciplined savers.
3. Google Pay (GPay) Gold
Highlights:
- Partnered with MMTC-PAMP.
- Offers live gold rates.
- Option to buy or sell instantly.
Why users love it: GPay’s gold feature is well-integrated and works smoothly for people already using it for UPI transactions.
4. Tata Neu – Digital Gold
Highlights:
- Backed by SafeGold.
- Part of the Tata ecosystem.
- Earn NeuCoins on transactions.
Why users love it: Trusted brand and seamless integration with other Tata digital services make this app a top choice among Tata loyalists.
5. Groww
Highlights:
- Known for mutual fund and stock investing.
- Also offers digital gold purchases.
- Easy tracking within a single app.
Why users love it: People already using Groww for stocks or mutual funds find it convenient to keep all investments under one roof.
6. BharatPe Gold
Highlights:
- Targets merchants and small business owners.
- Backed by SafeGold.
- Daily SIP option available.
Why users love it: Perfect for small business owners and shopkeepers looking to save in gold with flexibility.
7. Mobikwik Gold
Highlights:
- Instant buy/sell.
- Redemption in coins and bars possible.
- Investment as low as ₹1.
Why users love it: It’s a great option for users who already use Mobikwik for bill payments or recharges.
8. MMTC-PAMP’s Own App – MyGoldKart
Highlights:
- Direct source for 24K digital gold.
- Can convert into coins and have them delivered.
- Real-time pricing.
Why users love it: MMTC-PAMP is one of the most trusted names in precious metal trading in India. Direct buying ensures reliability and transparency.
🧠 How to Choose the Right Gold and Silver Investment App
When selecting an app, consider these factors:
1. Reputation and Trustworthiness
Stick to apps partnered with certified players like MMTC-PAMP or SafeGold. These are regulated and known for purity and safety.
2. Ease of Use
Go for an app with a clean interface, real-time updates, and fast transaction speeds.
3. Storage & Security
Check if your gold/silver is stored in insured, secure vaults, and whether you can get delivery of the physical asset.
4. SIP Option
If you prefer disciplined investing, look for apps that allow you to invest regularly via Gold SIPs.
5. Transaction Fees
Certain platforms impose minimal fees for the purchase, storage, or conversion of digital gold into its physical equivalent. Always read the fine print.
📊 Investing Tips for Digital Gold and Silver
- Use Gold SIPs: Small, regular investments reduce risk from price volatility.
- Buy on Dips: Gold and silver prices fluctuate—use price dips as entry points.
- Limit Exposure: Ensure that no more than 10–15% of your investment portfolio is dedicated to gold and silver.
- Examine for Concealed Fees: Review storage expenses, delivery costs, and the effects of GST.
- Redeem Wisely: If you plan to convert to physical gold/silver, compare making charges across apps.
🧾 FAQs
Q1. Is digital gold safe?
Yes, provided you use a certified and trusted app. The gold is supported by genuine 24K gold and is securely held in insured vaults.
Q2. Can I get physical delivery of digital gold?
Most apps offer delivery of coins or bars. Delivery charges may apply.
Q3. Is there any minimum investment required?
You can start with as low as ₹1.
Q4. Can I gift digital gold or silver?
Yes, many apps allow you to gift to another user or mobile number.
Q5. Are there tax implications?
Yes, digital gold is treated like physical gold for taxation Profits may be subject to capital gains tax depending on the length of the holding period.
Gold and silver remain strong assets for wealth preservation. With the convenience and accessibility of mobile apps, now anyone can invest in these metals with complete transparency, low barriers, and top-notch security.
Whether you’re planning for a long-term goal, saving for a wedding, or just diversifying your portfolio, gold and silver investment apps are worth exploring. With just a few taps, your future wealth could be just a gram away.