Over time, investing in gold has changed so much that it is no longer restricted to just going to a jeweller or purchasing physical bars. Now, there are digital gold, gold SIPs, SGBs, and gold ETFs to choose from, all with just a few taps on your smartphone. In case you want the best apps for investing in gold, you can find a comprehensive list below that will help you decide.
One crucial point that you should keep in mind before investing in digital gold is that it will not be under SEBI’s control. A circular was released by the authority on November 8, 2025, in which the distinction between digital gold products and SEBI-specified gold products was made clear, and it was stated that digital gold products would function entirely outside the realm of SEBI.
Best Apps to Invest In Gold
Note: Groww provides gold products that are regulated by the SEBI only. The app does not allow investing in digital gold that is not regulated.
One of the most popular investing and trading applications in India, Groww has been the trusted tool for millions of investors to create portfolios of stocks, mutual funds, ETFs, and so on, all from one app. Its user-friendly, transparent, and no-nonsense interface attracts users at all skill levels, which is one of its major selling points.
In the area of gold investment, Groww is able to provide several options for the investor to access the metal by means of, including
- Gold ETFs (Exchange-Traded Funds), a SEBI-regulated, recognised way to invest directly in gold’s price movement without holding physical metal. The application enables you to explore and put your money into the best gold ETFs that are listed on both the NSE and the BSE. Besides that, Groww has introduced their own Groww Gold ETF FoF which correlates the domestic gold price, thereby allowing you to gain access to gold without the complexities of storing it.
- Gold Mutual Funds: You can purchase Gold mutual funds on Groww. It is also a way of investing in gold that is regulated by SEBI. They possess either gold-linked assets or gold ETFs in the portfolio. The operation of gold MFs is comparable to that of gold ETFs, but they are structured as mutual funds, which can attract SIP investors who prefer to invest a fixed amount in gold regularly.
- Gold Commodity Derivative Contracts: Users get the chance to purchase or sell gold futures and option contracts that are listed on MCX via Groww’s commodity trading platform, which can be accessed right through their app or website.
Paytm Gold
Best for: Easy buying and micro-investing You can buy gold with as little as ₹1 through Paytm Gold, which is a fantastic choice for novices or people who are gold accumulating. The app provides a smooth buying and selling experience 24/7, thus making gold investment open to all.
With instant transactions and secure vault storage, building gold savings becomes quick and hassle-free.
Highlights:
- Buy/sell 24×7
- Redeem in the form of coins (extra charges apply)
- Quick purchase experience
Ideal for: Everyday users who prefer tiny investments.
PhonePe Gold
Best for: Quick, low-ticket gold purchases PhonePe partners with leading gold providers to offer secure digital gold investing. The group as a whole is doing whatever it takes to guarantee an environment with perfection. Its simple interface, UPI-first design, and instant transaction speed make gold accumulation convenient for all.
Users may conduct their gold transactions at any time and within a matter of seconds. For those who want a speedy and trustworthy gold buying process, this application is perfect.
What makes it popular?
- Invaluable instant buy and sell option
- Uncompromised secure storage facility
- Incredibly easy redemption option
Ideal for: The platform helps you assess gold’s valuation hassle-free.
MMTC-PAMP App
Best for: The purest form of digital gold
MMTC-PAMP being India’s most reliable gold refiner has introduced an app that allows buying of 100% LBMA-certified digital gold.
The whole gold purchased is kept safe in insured vaults till the investor decides to take it back. Apart from that, the app provides users with the opportunity to redeem their investments through gold coins and bars. This feature is especially catering to those investors who consider purity, security, and brand trust as their major factors while investing.
Benefits:
- 22-karat or 24-karat pure Gold
- Storage lockers
- Redemption in bars or coins.
Ideal for: Investors who seek brand confidence and cleanliness.
Tanishq Digital Gold (via Tata Neu)
Best for: Precious metal that is wanted and supported by a luxury jewelry brand.
The Tanishq’s digital gold service is guaranteed by the Tata Group’s goodwill. Through the application, customers are able to purchase and hold digital gold of high purity which can then be taken as cash at Tanishq stores.
Through secure storage and clear-cut pricing, users have the option to accumulate gold in a safe manner for long-term purposes. The wedding and gifting-related projections make the platform particularly appealing. Its powerful brand support positions it as the top choice for investors who are mainly concerned with jewellery.
Why it appeals?
- Trusted brand
- Redeemable for jewellery
- Safe vault storage
Ideal for: Investors, on the other hand, are looking at the future with jewellery purchases.
Conclusion
In India, gold is still considered to be an extremely reliable asset. The applications referred to above are now allowing investment in gold at any amount between ₹10 and ₹10,000, which is a process that is not only simple but also secure and clever.
