In 2025, Indian investors created a new record of investment in Digital Gold. According to the World Gold Council, about 12 tonnes of digital gold was purchased from January to November, whose current value is approximately ₹ 16,600 crore.

The convenience of buying gold from ₹10-₹51 through UPI apps like Paytm and PhonePe has increasingly attracted young and small investors. This has made gold investment easier for retail investors.

However, SEBI has warned that Digital Gold is not yet fully regulated. The companies selling it do not come under the purview of SEBI, hence investors will not get protection in case of fraud or company failure. Many companies do not even keep physical reserve against the purchased gold, which increases the risk. In this video, we will understand the rise of Digital Gold, its benefits, dangers and safe investment options.

Digital Gold: Market regulator SEBI had warned about digital gold. He said that digital gold products are not SEBI regulated. Cautioning investors, the market regulator had said that digital gold is not regulated nor safe under commodity derivatives.

SEBI said that if you buy digital gold by going to an app which is not registered under SEBI. In such a situation, if there are any operational problems on this platform or if the company goes bankrupt and your money gets stuck, then SEBI is not responsible for it.

SEBI had issued an alert

In the advisory issued on November 8, 2025, SEBI had said that the products being sold on online platforms under the name of ‘Digital Gold’ or ‘E-Gold’ are outside the monitoring of SEBI. Even though they are being promoted as an alternative to physical gold, they are outside the purview of SEBI. In such a situation, if the system fails or any operational problem occurs, investors’ money may be in danger, but SEBI has nothing to do with this. Despite this alert, it does not seem to be making any difference to the people.

Bought more than 12 tons of gold

There was a huge increase in demand for digital gold between January and November this year, especially the youth invested a lot of money in it. According to World Gold Council data, more than 12 tonnes of gold has been purchased in just 11 months of the year.

This estimate of WGC is based on UPI transaction data of National Payments Corporation of India (NPCI), which has been used to buy digital gold. NPCI has released this data for the first time this year. Based on the spot price in Mumbai on Wednesday, the price of 12 tonnes of 24-carat gold is approximately Rs 16,670 crore. According to industry estimates, Indians will buy digital gold equivalent to about 8 tonnes in 2024.

SEBI’s warning has no effect

Despite SEBI’s warning, people are finding investing in digital gold an attractive investment option because it can be bought and sold even with small amounts of Rs 1. As such, it has become popular among first-time investors and young buyers who use apps and fintech platforms. However, some investors have also become cautious due to the warning of market regulator SEBI. Meanwhile, people associated with the industry are demanding a clear regulatory framework for digital gold.

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Gold prices are currently at an all-time high, and 10 grams of gold is trading at up to ₹1.35 lakh. According to experts, now projections are up to Rs 2 lakh per 10 grams.

But not only fresh investment, you can also earn on old gold. The new and great way for this is Gold Leasing. In this you lease your idle or unused gold to Jewellers, Refiners and Financial Markets.

This fulfills the short-term demand of Jewelry and you get 3-4% passive return every year. When inventory is low, this rate increases to 6–7%. The biggest advantage of Gold Leasing is that you save expenses on storage, and you also get continuous income like Dividend.

This service can be done on digital platforms like RSBL, Gullak and Gold Monetization Scheme of banks.

If you are a long-term investor in Gold, then Gold Leasing can give you the benefit of both Gold Price Appreciation + 3-4% Extra Return. This means an average of 12-13% Capital Gain + 3-4% Passive Income. This also makes Non-Yielding Assets Investor-Friendly.

Gold prices are currently at an all-time high, and 10 grams of gold is trading at up to ₹1.35 lakh. According to experts, now projections are up to Rs 2 lakh per 10 grams. But not only fresh investment, you can also earn on old gold.

The new and great way for this is Gold Leasing. In this you lease your idle or unused gold to Jewellers, Refiners and Financial Markets. This fulfills the short-term demand of Jewelry and you get 3-4% passive return every year.

When inventory is low, this rate increases to 6–7%. The biggest advantage of Gold Leasing is that you save expenses on storage, and you also get continuous income like Dividend. This service can be done on digital platforms like RSBL, Gullak and Gold Monetization Scheme of banks.

If you are a long-term investor in Gold, then Gold Leasing can give you the benefit of both Gold Price Appreciation + 3-4% Extra Return. This means an average of 12-13% Capital Gain + 3-4% Passive Income. This also makes Non-Yielding Assets Investor-Friendly.

Investment Tips: Nowadays people’s thinking regarding investment is changing rapidly. Earlier people were limited to only land, house or fixed deposits. Now they are also paying attention to options like gold, silver, stock market, mutual funds and digital assets. Amidst inflation and market uncertainty, everyone wants an investment which is safe and also gives better returns over time.

For this reason, people’s inclination towards gold and silver has increased again. Especially the recent rise in silver prices has attracted the attention of investors. Many people are considering this as a good opportunity for the future. In such a situation, the question arises that how to invest in silver amidst rising prices. Would it be better to buy silver coins or would options like digital gold prove to be a more profitable deal?

Silver prices are continuously increasing

There has been a continuous rise in silver prices for some time now. Silver prices are going up due to increasing demand in the international market, industrial use and investor interest. Due to increase in consumption of silver in electric vehicles, solar panels and electronic equipment, its industrial demand has strengthened. Apart from this, when the volatility in the stock market increases.

So investors turn to things like silver in search of safe options. The same trend is visible in the domestic market also. Increase in silver purchases during weddings and festival seasons provides further support to prices. Experts believe that in the long run, there may be chances of growth and stability in silver. However, ups and downs cannot be denied in this also.

What would be better, silver coin or digital gold?

Talking about investment, both silver coins and digital gold have their own advantages and limitations. By purchasing silver coins you have physical ownership of the asset. Which you can sell or use if needed. This seems more credible to traditional investors. However, things like storage, security and making charges have to be kept in mind. Whereas digital gold can be a better option for those people.

Those who want to stay away from hassles. There is no need to worry about storage and investment can be started even with a small amount. Both buying and selling are easy. If you want a safe and traditional investment for the long term then silver coins may be right. If you give priority to convenience and liquidity, then digital gold can prove to be a better option.

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Digital Gold: Investing in digital gold has become an easy and popular way to invest in recent years. This is such an online medium through which you can buy gold ranging from Rs 10 to Rs 100. Platforms like PhonePe, Paytm, Google Pay along with companies like MMTC-PAMP and Augmont are providing the facility of investing in digital gold. Apart from this, many jewelery brands like Tanishq are also giving investors the option to invest in digital gold.

Why is digital gold becoming popular?

Investing in digital gold is easy. In this, you can buy or sell gold in minutes through different mobile apps and online platforms. Another reason for increasing interest in it is that you can invest comfortably sitting at home.

Another specialty of this is that there is no need to worry about keeping the gold in a safe place. This is best for those who want to take advantage of the rising price of gold. However, there is risk in this also. Your money can get stuck by using the wrong platform or ignoring the rules. If you are not careful while investing in digital gold, you may suffer huge losses, hence before investing it is important to keep some things in mind such as whether the platform is legal or not, what is the policy of the company etc.

don’t trust everyone

Digital gold is available on many online platforms and wallet apps, but you cannot trust everyone. Some platforms only act as middlemen and do not hold gold stocks. In such a situation, if the company’s server goes down or the platform gets stuck in some problem, your investment may sink.

Before investing, it is important to check whether the company is approved by the Reserve Bank of India or market regulator SEBI or not. Always trust well-known companies like Augmont, MMTC-PAMP or Safegold. Recently SEBI has also warned investors regarding this. SEBI says that digital gold can be purchased on online platforms like Paytm, Google Pay, Phone Pay, but digital gold does not come under any regulation. These are not secured nor are they commodity derivatives, so if the platform defaults, SEBI will not be able to help them.

Take care of time period

Many people keep digital gold for a long time, but they are not aware of its limits and charges. Some platforms allow you to store gold only for 5 years. After that you will either have to take physical delivery or sell it.

Delivery includes tax, making charges and transportation costs. This may reduce your returns, so if you are investing in digital gold, first decide whether it is a short-term or long-term plan. You can also choose options like gold ETF or sovereign gold bonds as they offer both government security and interest.

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After the strictness on Digital Gold by SEBI, there has been a huge decline in the purchase of digital gold in October 2025. According to the report, purchases of digital gold declined by 61% in October, which is the lowest level this year. If we talk about the amount of investment, the value of digital gold purchased in October was only Rs 550 crore, whereas in September it was Rs 1,410 crore. The average investment this year is around Rs 951 crore. The special thing is that despite the Diwali and wedding season in the month of October, there was a decline in the purchase of gold, mainly due to the rising prices of Digital Gold and the new rules of SEBI. Most purchases of digital gold are made through UPI Apps. The number of transactions also declined from 10 crore in August-September to only 2.1 crore in October, showing a decline of almost 80%. SEBI regulations do not govern the purchase of physical gold against digital gold, but some risks remain for investors. In this video we will explain in detail why Digital Gold has declined at this time and what precautions investors should take.

Have you also invested in digital gold? So be careful! Because SEBI has now issued a warning regarding digital gold. Many popular brands and apps in the market like Tanishq, MMTC-PAMP, Aditya Birla Capital, Caratlane, Jos Alukkas, PhonePe and Shriram Finance are selling digital gold from just ₹100. But the surprising thing is that this entire segment is not under the control of SEBI or any regulatory body. SEBI has clarified that digital gold or e-Gold is neither a security nor a commodity derivative. That means if there is default or fraud on any platform, investors will not get any protection. This is why questions are now being raised among investors about the security of digital gold. However, there are many regulated and safe options for investing in gold — such as Gold ETFs (Exchange Traded Funds), Electronic Gold Receipts (EGRs) and Exchange-Traded Commodity Derivative Contracts. All of them operate under SEBI regulations and investments in them can be made through SEBI-registered intermediaries. So be careful before investing, and make sure your money is invested in the right place.

Digital Gold Investment: With time the methods of investing in gold are changing. Apart from buying jewellery, coins or bars, now investment in digital gold has also started increasing. However, there is also a risk of fraud in this. SEBI has issued an alert on this saying that digital gold and e-gold products do not come under the securities market framework. These are different from SEBI regulated gold exchange traded funds or ETFs and electronic gold receipts.

SEBI alerted

SEBI has further warned that many online platforms are nowadays seen offering investment in digital gold or E-Gold, but due to not being regulated, there is a risk of investing in them. Since digital gold does not come under the purview of SEBI regulation, if any irregularity or fraud occurs while investing in digital gold or e-gold products, there will be no protection or help from SEBI.

What is digital gold?

In digital gold you buy or sell gold electronically. Digital gold investment can be done easily from home through mobile apps or online platforms. It is being promoted a lot these days. In this, you can start investing with a minimum of Rs 1 and buy or sell gold depending on the price of gold in the market. However, many digital gold platforms are not SEBI regulated. In such a situation, in case of default, you will not get any protection from SEBI.

Investing in these is safe

SEBI said that if one has to invest in gold, then many ways are already available, which also come under the purview of SEBI rules and there is no risk in investing in it. If you want, you can invest in gold exchange traded funds (Gold ETFs), electronic gold receipts (EGRs) and exchange-traded commodity derivative contracts through SEBI-registered intermediaries.

Many big brands are selling digital gold

Nowadays many companies like Tanishq, Aditya Birla Capital, PhonePe, Caratlane, MMTC-PAMP, Joy Alukkas and Shriram Finance are selling digital gold. However, there is a risk factor in this also because SEBI is not regulated. However, Tanishq and MMTC-PAMP have claimed on their website that they are offering digital gold with the SafeGold brand. This is a reliable way to buy 24 carat pure gold. Investors can start investing in these with Rs 10-100.

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Investment Tips: Money attracts money, this is absolutely true. However, for this you should know the right way to invest money, so that you can earn more profit in less time. Today there are many investment options available in the market, such as gold, share market, funds, real estate and crypto currency.

In such a situation, it is important to know first of all what are the advantages and disadvantages of which investment method because how much benefit you will get in future depends on this. In such a situation, let us know that if you have Rs 1 lakh, then where can you invest it, so that you can get double benefit in a short time.

Share market is a good option

Share market is a great place for investors. Here they get good returns on the invested amount. In such a situation, if you have a good amount of money then you can invest it in the share market. By buying stocks of good companies here, you can get double returns over time. Also, there is a possibility of doubling or tripling your money in one go because if the price of the stocks of that company increases 10 times then your profit will also increase. But there are a lot of risks in investing here, so invest in it only keeping this in mind.

real estate

Real estate is also a good option for investment. If you buy a property at a good location, its price may also increase with time. In such a situation, if there is excess money, it should definitely be invested in real estate. While investing money in this, it should be kept in mind that where you are buying property, basic facilities like electricity, water, roads and settlement should be good so that the price of land there increases quickly.

mutual funds

Mutual funds are also a good way to invest large amounts of money. Through this you can invest in the share market with less risk. In this, you can earn good returns over time through SIP (Systematic investment plan).

investment in gold

If you want to invest Rs 1 lakh then gold is a great option. Seeing the rising price of gold, most of the investors are also investing in it. There are more chances of its price increasing in the coming time and it can yield good returns. If you invest in gold today, you can become the owner of lakhs in the future.

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