Best Apps to Invest in 24K Digital Gold in India (2025) – Start from Just ₹10!
Gold has always been a symbol of wealth and stability in India. But in 2025, you no longer need to visit a jewellery store to invest in it. Thanks to digital technology, you can now buy and save 24K pure gold using mobile apps—with as little as ₹1!
Here are the top and most trusted apps for investing in 24K digital gold in India, each offering unique features and seamless user experience.
1️⃣ Jar App – Save Gold with Spare Change
Jar is a habit-forming app that turns your everyday spending into gold savings. Every time you make a digital transaction, Jar rounds up the amount and invests the spare change in 24K gold powered by SafeGold.
🔹 Highlights:
- Invest automatically with round-off spare change
- 24K digital gold (99.9% purity)
- Redeem as coins or jewellery
- Ideal for first-time investors & students
2️⃣ PhonePe – Trusted UPI App with Gold Investment
PhonePe offers a dedicated section for buying and selling MMTC-PAMP digital gold. It allows instant transactions, live price tracking, and the option to get physical gold delivered.
🔹 Highlights:
- Backed by MMTC-PAMP (100% pure 24K gold)
- Buy gold from ₹1
- Option to redeem physical gold
- Easy and secure with UPI
3️⃣ Paytm – Digital Gold Made Simple
Paytm lets you invest in gold from SafeGold or MMTC-PAMP. It offers gold savings plans, real-time price updates, and a wide range of redemption options.
🔹 Highlights:
- Buy/sell gold 24×7
- Gift or withdraw gold as cash
- Gold Savings Plan for automated investment
- Delivered coins to your doorstep
4️⃣ Google Pay (GPay) – Secure Gold Investment with UPI Ease
GPay, one of India’s most widely used payment apps, also offers digital gold investment through MMTC-PAMP. It provides a clean interface and instant gold transactions.
🔹 Highlights:
- Pure 24K gold (99.9%)
- Instant buy/sell features
- Safe storage in digital vaults
- Google’s trusted security layer
5️⃣ Groww – Invest in Gold Along with Stocks & Mutual Funds
Groww isn’t just for stocks and mutual funds anymore. It also offers digital gold investment in partnership with Augmont, allowing you to diversify your portfolio easily.
🔹 Highlights:
- Invest in 24K gold starting at ₹10
- Track all investments in one place
- Download gold certificate anytime
- Suitable for those already using Groww for SIPs/stocks
6️⃣ Tata Neu – Buy Gold with Tata Trust
Tata Neu, a super app by the Tata Group, lets you invest in digital gold through Tata Digital Gold powered by SafeGold. You can redeem your gold on brands like Tanishq or get it delivered.
🔹 Highlights:
- Redeemable across Tata brands
- Flexible gold savings options
- Secure vaulting with SafeGold
- Rewards and NeuCoins integration
🛡️ What is Digital Gold?
Digital gold is real, 24K gold purchased and stored digitally on your behalf. It’s:
- ✅ Backed by physical gold (in 99.9% purity)
- ✅ Stored securely in insured vaults
- ✅ Redeemable anytime for cash or coins
🧠 How to Choose the Best App?
| Criteria | What to Look For |
| Purity | Must be 24K (99.9%) gold |
| Partner | MMTC-PAMP, SafeGold, or Augmont |
| Minimum Investment | ₹1–₹10 |
| Security | RBI-regulated vaults & insurance |
| Extra Features | Auto-save, redemption, gifting options |
✅ Final Thoughts
Whether you’re a student, salaried professional, homemaker, or investor, digital gold is one of the smartest and safest ways to save. Each app offers something unique — choose one based on your needs:
- 👉 Want auto-saving? Go with Jar
- 👉 Already using UPI daily? Try PhonePe or GPay
- 👉 Looking for rewards? Explore Tata Neu
- 👉 Want to invest alongside mutual funds? Use Groww
Start small. Build a habit. And let your gold savings grow digitally, securely, and smartly.