Gold has long been considered a reliable form of investment, offering safety during market volatility and inflation. But with the rise of fintech platforms, a new way to invest in gold has emerged: digital gold. While traditional physical gold continues to hold cultural and investment value, digital gold is gaining traction, especially among modern investors looking for convenience and transparency.
But what exactly is digital gold, and how does it compare to its physical counterpart? Let’s delve into the key differences to help you decide which investment path is right for you.
What is Digital Gold?
Digital gold is a modern way to invest in 24K gold without needing to physically own or store it. When you purchase digital gold, the equivalent amount of real, physical gold is stored in a secure vault on your behalf by trusted custodians. You can invest as little as ₹10, and when required, you can sell it online or even convert it into physical gold.
Digital Gold vs Physical Gold: Key Differences
| Feature | Digital Gold | Physical Gold |
| Ownership | Electronic claim on physical gold stored securely | Direct physical possession |
| Price Uniformity | Prices are standardised and transparent across platforms | Prices vary based on jeweller, region, and making charges & the specific form |
| Investment | Start from as low as ₹10 | Requires higher initial outlay |
| Storage | Managed by provider in secure vaults | Requires personal storage (safe, locker) or paid vault service |
| Purity | Guaranteed 24K (99.9% pure) | Varies, requires verification/trust in seller |
| Liquidity | High, easy and quick to buy/sell online | Lower, may require finding a buyer and physical transactions that involve price deductions too |
| Making Charges | None | Often applicable for jewellery and some coins/bars |
| Resale Value | Linked to market price | May include deductions for making changes, impurities |
Why Choose Digital Gold with FatakPay?
FatakPay not only offers instant personal loans and financial wellness tools. It also provides a simple and secure way to invest in digital gold directly through its app.
Here’s what makes digital gold on FatakPay a smart choice:
- Invest in 24K gold starting from just ₹10
- Track live prices and holdings in real-time
- No storage hassles – gold is securely held in insured vaults by trusted custodians
- Digital to physical at your convenience – convert your digital gold or silver into certified hallmark coins and bars, delivered to your doorstep with full insurance and peace of mind
- Easy liquidity – sell or redeem online instantly when needed
- Seamless integration with other FatakPay services like insurance, loans, and investments
Explore more on Digital Gold with FatakPay
In Retrospect
Both digital and physical gold offer value—but the choice depends on your needs. Digital gold offers flexibility, security, and easy entry for small-ticket investors, making it ideal for millennials and digital-savvy users. Physical gold, on the other hand, retains its traditional appeal, especially for long-term holding or cultural purposes.
With platforms like FatakPay, digital gold investment is not only easy but also integrated into a wider financial wellness offering—giving you the tools to save, invest, and grow.
