Digital Gold: Before You Tap “Buy”, Read This

27.11.25 02:13 PM - By Prakhar Patidar

Digital Gold: Before You Tap “Buy”, Read This

Gold has always been India’s favourite asset. Whether prices rise, fall, or shoot through the roof, our emotional connection with gold doesn’t change.

And honestly, as financial advisors, we respect gold too — it has always been a strong diversification tool and continues to be one.

But let’s get one thing clear right from the start:

This is not a blog about gold prices or predictions.

Whatever happened to gold rates recently has nothing to do with your neighbour buying another necklace. The real reason lies in global macroeconomic shifts — central banks increasing their gold reserves, geopolitical uncertainty, currency volatility and global liquidity cycles. Gold behaves less like a commodity and more like a monetary asset, reacting to global trust (or fear) far more than festival-season demand in India.

Now let’s come to the real point — Digital Gold — the new buzzword taking over social media.

Indians have always rushed toward gold, but this new rush toward buying gold through every second app or website is… concerning.

We love trends — that’s our reality. But trends with money can quickly turn into trouble. And with so many unregulated platforms suddenly selling Digital Gold, it’s a worry worth talking about.

Digital Gold is basically gold purchased online without any physical storage. On paper, it’s 99% purity gold held on your behalf. In India, if you genuinely want to invest in gold digitally, the safe and regulated routes are simple:

Gold Mutual Funds
Gold ETFs
Existing Sovereign Gold Bonds

These are fully regulated by SEBI or RBI — transparent, safe, and backed by actual regulation.

The problem is not with these.

The problem is with the dozens of unregulated apps aggressively selling their version of digital gold. No SEBI oversight, no RBI regulation, no clarity on whether the gold even exists, and no protection if the platform shuts down. Imagine losing money not because the markets fell, but because an app simply vanished one morning. That’s the real risk no one talks about.

And with the noise, influencers, easy UI, “buy gold for ₹10” gimmicks, and trend-chasing behaviour, people are putting money blindly without understanding where it’s actually going. SEBI has already cautioned investors, but awareness is still limited.

Financial products are not meant to be bought emotionally or because someone online shouted “This is the next big thing.” If you don’t understand how regulations work — and honestly, you’re not expected to — that’s exactly why financial advisors exist. Before putting your money into any new-age product, especially something as sensitive as Digital Gold, take professional advice.

Gold is valuable. But misplaced trust in unregulated platforms can turn that value into loss very quickly.

So yes — buy gold if you must, it’s a solid asset.

Just buy it the right way, through regulated channels, not through trends.

Know More