In India, Gold is not just a metal; it is a safety net. Our parents always tell us to "Buy Gold," but with prices crossing ₹60,000 per 10 grams, it feels impossible for a student to invest. But what if I told you that you don't need thousands of rupees? In 2025, you can buy pure 24K Gold for the price of a cup of chai (₹10). Welcome to the world of Digital Gold . Here is how you can start building your wealth today. 1. What is Digital Gold? When you buy physical gold (jewellery), you pay for "Making Charges" and worry about theft. Digital Gold is virtual. When you buy ₹100 worth of gold on an app, a real company (like MMTC-PAMP or SafeGold) buys that exact amount of real gold and stores it in a secure vault under your name. Purity: It is always 24K (99.9% Pure) . 2. Where Can You Buy It? You probably already have these apps on your phone: PhonePe / Google Pay / Paytm: Go to the "Wealth" or "Gold" section. Enter amount (e.g., ₹50). Click Bu...
In India, Gold is not just a metal; it is a safety net. Our parents always tell us to "Buy Gold," but with prices crossing ₹60,000 per 10 grams, it feels impossible for a student to invest.
But what if I told you that you don't need thousands of rupees? In 2025, you can buy pure 24K Gold for the price of a cup of chai (₹10).
Welcome to the world of Digital Gold. Here is how you can start building your wealth today.
1. What is Digital Gold?
When you buy physical gold (jewellery), you pay for "Making Charges" and worry about theft.
Digital Gold is virtual. When you buy ₹100 worth of gold on an app, a real company (like MMTC-PAMP or SafeGold) buys that exact amount of real gold and stores it in a secure vault under your name.
Purity: It is always 24K (99.9% Pure).
2. Where Can You Buy It?
You probably already have these apps on your phone:
PhonePe / Google Pay / Paytm: Go to the "Wealth" or "Gold" section. Enter amount (e.g., ₹50). Click Buy. Done.
Jar App: This app automatically rounds up your spare change (e.g., if you spend ₹27, it takes ₹3) and invests it in gold.
Amazon Pay: You can use your Amazon Pay balance to buy gold.
3. The Benefits for Students
Low Entry: You can start with literally ₹1.
Liquidity: Need cash for an emergency? You can sell your digital gold instantly (24/7) and the money comes to your bank account.
Safety: No fear of losing it in your hostel room.
4. Is There a Catch? (GST)
Yes, be aware of two things:
GST: You pay 3% GST when you buy. So if you buy for ₹100, you get ₹97 worth of gold.
Spread: The "Buying Price" is slightly higher than the "Selling Price."
Strategy: Digital Gold is for holding long-term (1+ years). Don't buy and sell in the same week, or you will lose money.
Conclusion
You don't need to be rich to be an investor. Start skipping one snack a week and put that ₹20 into Digital Gold. By the time you graduate, you will have a decent savings pot that has grown in value.
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