How to Invest in Gold With Little Money in India: Start From ₹1 Online

Introduction: Start building wealth with as little as ₹1

Here’s the truth: leaving money idle in a savings account while prices rise is a slow leak. Gold, on the other hand, has historically protected Indian households from inflation. And today, you don’t need lakhs – or even thousands – to get started. With UPI and mobile-first apps, you can invest in gold online in India in under 30 seconds, from as little as ₹1. That’s the best way to invest in gold online if you’re just starting out.

Why do tiny, consistent buys work? Because habits beat hype. Daily micro-buys average out price swings automatically, while UPI makes it ridiculously easy to stick to a plan. If you’ve ever wondered “can I invest in gold with little money?” or “can you invest in gold without a big budget?” – the answer is yes. Start small, stay consistent, and let compounding do its quiet work.

What counts as “little money”? Think ₹1–₹100 a day. Even ₹30/day is ~₹900 a month – doable for most people. Streaks and SIPs make this effortless: set a daily or monthly auto-debit, keep your streak alive, and watch your holdings grow. No timing-the-market drama. Just steady progress.

What you’ll find in this guide: India’s most trusted apps and platforms that let you buy certified 24K gold digitally from tiny amounts, set SIPs or daily streaks, and grow steadily over time. We’ll highlight features like UPI payments, low entry amounts, rewards, and redemption flexibility – so you can choose what fits your style.

How to use this guide:

• Pick one app you like (don’t overthink it).

• Set an automated plan (daily ₹30–₹100 or a monthly SIP).

• Stick to it for 90 days, no matter what the market does.

• Review, tweak the amount, and continue.

Ready to start with ₹1 today? Download the OroPocket app now: https://oropocket.com/app

1) OroPocket – Start from ₹1 and earn free Bitcoin on every gold buy

What it is (₹1 entry + Bitcoin rewards)

• Mobile-first app to buy/sell 24K digital gold and silver from ₹1 – perfect if you’ve been asking “can I invest in gold with little money?”

• Unique perk: get Satoshi (Bitcoin) cashback on every purchase – two assets for the price of one.

Why it’s great for small-money investors

• No minimums; automate micro-buys via UPI for a true “₹1–₹100 a day” plan – the best way to invest in gold online if you’re starting small.

• Gamified streaks and daily spin build habit and momentum, so you keep showing up and compounding.

“In India, during years when inflation exceeded 6%, gold rose by an average of 12.6% annually – outpacing inflation over multi‑year periods.” – Source

Standout features

• Daily streak bonuses, Spin-to-Win rewards, referral Satoshi, and send/gift gold

• 24K pure gold, 100% insured vaulting, RBI-compliant ecosystem partners

How to start (30 seconds via UPI)

• Download app → complete KYC → add ₹1–₹100 → buy gold → turn on daily or monthly automation via UPI

Liquidity & redemption

• Instant sell to bank

• Gift/send gold instantly to friends and family

• Delivery options where available

Who it’s best for

• First-time investors who want to invest in gold online in India with tiny amounts

• Bitcoin-curious users who want rewards without buying crypto directly

• Habit-builders who love streaks, bonuses, and visible progress

Security & compliance

• 24K pure gold with fully insured vaults

• Works with authorized, RBI-compliant partners

Quick facts

Min start	UPI support	Automation (Daily/Monthly)	Rewards/bonuses	Redemption options	Purity	Vault/partner	Platforms	Unique edge
₹1	Yes (instant)	Yes (daily micro-buys and monthly SIP-style automation)	Satoshi cashback, streak bonuses, Spin-to-Win, referral Satoshi	Instant sell to bank; gift/send gold; delivery where available	24K	Authorized bullion partners; 100% insured vaults; RBI-compliant ecosystem	iOS, Android	Free Bitcoin on every gold/silver purchase

Ready to start with ₹1 today? Download the OroPocket app: https://oropocket.com/app

2) Jar – Round‑ups and ₹1 gold savings that feel effortless

What it is (micro‑savings to gold)

• Automates spare‑change round‑ups and daily micro‑buys into 24K digital gold

Why it’s great for small-money investors

• Start from ₹1; behavior-first design nudges consistency

Standout features

• UPI autopay, streaks/challenges, goal tracking

How to start (30 seconds via UPI)

• Install app → KYC → Enable round‑ups or set daily ₹10–₹100 → Auto-invest

Liquidity & redemption

• Sell anytime to bank; delivery options via partner where available

Who it’s best for

• New savers who want a “set-and-forget” micro habit

Security & compliance

• Backed by reputed digital gold partners; insured vaulting

Quick facts

Min start	UPI support	Automation (Daily/Monthly)	Rewards/bonuses	Redemption options	Purity	Vault/partner	Platforms	Unique edge
₹1	Yes	Daily round‑ups and fixed micro‑buys	Streaks/challenges	Instant sell; delivery where available	24K	Reputed digital gold partners; insured vaults	iOS, Android	Round‑ups that turn spare change into gold

3) Gullak – Goal-based gold savings with automation

What it is (automated micro gold savings)

• Goal-led app to accumulate 24K digital gold with small automated deposits

Why it’s great for small-money investors

• Start tiny; convert habits into grams with visual progress

Standout features

• UPI autopay/SIP, goal planner, reminders, family gifting

How to start (30 seconds via UPI)

• Download → KYC → Create goal → Set ₹1–₹100/day or weekly plan → Auto-invest

Liquidity & redemption

• Sell anytime; physical redemption with eligible partners

Who it’s best for

• Beginners and gifters who want milestones and motivation

Security & compliance

• 24K gold via authorized bullion partners; insured vaults

Quick facts

Min start	UPI support	Automation (Daily/Monthly)	Rewards/bonuses	Redemption options	Purity	Vault/partner	Platforms	Unique edge
₹1 (typical micro-savings)	Yes	Daily and weekly SIP-style automation	Goal streaks, reminders	Instant sell; physical redemption with partners	24K	Authorized partners; insured vaults	iOS, Android	Goal-led planner with visual progress

4) PhonePe Gold – Daily savings from ₹10 with UPI simplicity

What it is (digital gold inside a super app)

• Buy/sell 24K gold within PhonePe; daily and monthly plans tailored for quick UPI payments and instant access – great if you’re searching how to invest in gold with little money or the best way to invest in gold online.

Why it’s great for small-money investors

• Start small (₹10/day); frictionless UPI payments and instant liquidity make it simple for anyone asking “can I invest in gold?” or “can you invest in gold without a big budget?”

Standout features

• Daily savings, monthly SIP, easy sell to bank, convert to coins/jewellery (provider thresholds apply)

How to start (30 seconds via UPI)

• Open PhonePe → Gold → Pick daily/monthly → Set ₹10–₹100 → AutoPay

Liquidity & redemption

• Instant sell to bank; convert to coins/jewellery (minimum gram thresholds and fees may apply)

Who it’s best for

• PhonePe users who want all-in-one convenience to invest in gold online in India

Security & compliance

• 24K gold via authorized partners; insured bank‑grade vaults

“By 2022, India’s digital gold active users reached ~5–6 million, with annual traded volumes of 4–5 tonnes.” – Source

Quick facts

Min start	UPI support	Automation (Daily/Monthly)	Rewards/bonuses	Redemption options	Purity	Vault/partner	Platforms	Unique edge
₹10	Yes (AutoPay)	Daily savings and monthly SIP	–	Instant sell to bank; convert to coins/jewellery (thresholds apply)	24K 99.9%	Partner providers; insured bank‑grade vaults	Android, iOS	UPI‑native digital gold inside a super app

5) Paytm Gold – Start from ₹1, buy/sell 24K gold 24×7

What it is (wallet-native digital gold)

• Micro-purchases of 24K gold within Paytm with instant UPI checkout

Why it’s great for small-money investors

• ₹1 entry; flexible top-ups; instant sell

Standout features

• Auto-add money, gift gold, delivery of coins/bars (where available)

How to start (30 seconds via UPI)

• Open Paytm → Gold → Enter ₹1–₹100 → Buy → Set auto-add/SIP

Liquidity & redemption

• Sell instantly to wallet/bank; coin/bar delivery with applicable fees

Who it’s best for

• Paytm power users who want micro‑top‑ups

Security & compliance

• Partnered with leading bullion providers; insured vaults

Quick facts

Min start	UPI support	Automation (Daily/Monthly)	Rewards/bonuses	Redemption options	Purity	Vault/partner	Platforms	Unique edge
₹1	Yes	Daily/Monthly via auto-add	Gift gold	Instant sell to wallet/bank; coin/bar delivery (fees apply)	24K	Leading bullion partners; insured vaults	iOS, Android	Wallet-native micro gold with 24×7 access

6) MMTC‑PAMP Digital Gold – Direct from a premier refiner

What it is (brand-backed bullion)

• Buy/sell 24K digital gold from India’s leading refiner and its partner network

Why it’s great for small-money investors

• Brand trust; small-ticket buys possible via app/partners

Standout features

• Physical redemption options; wide partner ecosystem

How to start (30 seconds via UPI)

• Sign up/app/partner app → KYC → Buy ₹1–₹100+ → Enable SIP if available

Liquidity & redemption

• Sell anytime; convert to coins/bars (thresholds apply)

Who it’s best for

• Trust-first buyers who value mint-grade purity

Security & compliance

• 24K 999.9 purity; fully insured vaulting

Quick facts

Min start	UPI support	Automation (Daily/Monthly)	Rewards/bonuses	Redemption options	Purity	Vault/partner	Platforms	Unique edge
₹1 (via partner apps)	Yes (via partners)	If partner offers SIP/automation	–	Instant sell; convert to coins/bars (thresholds apply)	24K 999.9	MMTC‑PAMP; insured vaults	iOS, Android; partner platforms	Direct access to refiner-grade bullion

7) SafeGold – Infrastructure powering many gold-savings apps

What it is (digital gold platform)

• Buy/sell 24K gold directly or via partner apps across India

Why it’s great for small-money investors

• Micro-purchases supported via partners; broad redemption network

Standout features

• Coin delivery, gifting, partner marketplace integrations

How to start (30 seconds via UPI)

• Use SafeGold or a partner app → KYC → Buy small (₹1–₹100+) → Automate

Liquidity & redemption

• Instant sell; delivery to coins/bars with applicable charges

Who it’s best for

• Users who want flexibility across multiple consumer apps

Security & compliance

• 24K gold; insured vaults; audited processes

Quick facts

Min start	UPI support	Automation (Daily/Monthly)	Rewards/bonuses	Redemption options	Purity	Vault/partner	Platforms	Unique edge
₹1 (via partners)	Yes	If partner offers SIP/automation	–	Instant sell; coin/bar delivery (charges apply)	24K	SafeGold ecosystem; insured vaults	iOS, Android; partner apps	Powers multiple leading gold-savings apps

8) Tanishq DigiGold – Jewellery ecosystem with digital start

What it is (jeweller-backed digital gold)

• Accumulate 24K gold digitally and convert to coins/jewellery later

Why it’s great for small-money investors

• Start small now, upgrade to jewellery for life events

Standout features

• Convert to coins/jewellery; store with insured vaulting

How to start (30 seconds via UPI)

• Register → KYC → Choose daily/monthly or one‑time → Pay via UPI/cards

Liquidity & redemption

• Sell back or convert to Tanishq coins/jewellery (thresholds/fees apply)

Who it’s best for

• Wedding/festival planners and gifters

Security & compliance

• 24K purity; reputed national brand; insured storage

Quick facts

Min start	UPI support	Automation (Daily/Monthly)	Rewards/bonuses	Redemption options	Purity	Vault/partner	Platforms	Unique edge
Low entry (₹1+ via offers/partners)	Yes	Daily/monthly and one‑time	–	Sell back; convert to coins/jewellery (fees/thresholds apply)	24K	Reputed partners; insured storage	iOS, Android, Web	Direct pathway to jewellery redemption

9) CaratLane eGold – Buy small, redeem as jewellery later

What it is (digital gold with jewellery redemption)

• Purchase 24K gold digitally and redeem for coins/jewellery at CaratLane

Why it’s great for small-money investors

• Start with small amounts; convert to jewellery when ready

Standout features

• Easy sell; jewellery exchange/redemption; store credits

How to start (30 seconds via UPI)

• Sign up → KYC → Buy ₹10–₹100+ → Track and redeem later

Liquidity & redemption

• Sell to bank; redeem into coins/jewellery with applicable fees

Who it’s best for

• Shoppers who want both savings and style

Security & compliance

• 24K gold via authorized partners; insured vaulting

Quick facts

Min start	UPI support	Automation (Daily/Monthly)	Rewards/bonuses	Redemption options	Purity	Vault/partner	Platforms	Unique edge
₹10+	Yes	Daily/monthly via app features	Jewellery offers/credits (varies)	Sell to bank; redeem to coins/jewellery (fees apply)	24K	Authorized partners; insured vaults	iOS, Android, Web	Seamless bridge from savings to jewellery

10) DigiGold – Buy, sell, gift & SIP with no lock‑in

What it is (multi‑metal platform)

• 24K gold and silver investing with buy/sell/gift features; SIP without lock‑in

Why it’s great for small-money investors

• Low entry amounts; flexible SIP; 24×7 access

Standout features

• SIP from low ticket sizes, gifting, global access, high liquidity

How to start (30 seconds via UPI)

• Create account → KYC → Start with ₹1–₹100+ → Optional SIP

Liquidity & redemption

• Sell anytime; convert to coins/jewellery (where supported)

Who it’s best for

• Users who want SIP flexibility and quick exits

Security & compliance

• 24K 99.9% purity; insured vaults; reputed vault keepers

Quick facts

Min start	UPI support	Automation (Daily/Monthly)	Rewards/bonuses	Redemption options	Purity	Vault/partner	Platforms	Unique edge
₹1 (SIP from ~₹500)	Yes	Daily/Monthly via SIP and manual buys	Gifting features	Instant sell; convert to coins/jewellery (where available)	24K 99.9%	Reputed vault keepers; insured	iOS, Android, Web	No‑lock‑in SIP + multi‑metal flexibility

Overall comparison table

• Compare all 10 platforms at a glance

• Help readers pick based on start amount, automation, UPI ease, rewards, and redemption

Platform	Min start	UPI support	Automation (Daily/Monthly)	Rewards/Bonuses	Redemption (Sell/Coins/Jewellery)	Purity	Vault/Partner	Platforms (Android/iOS/Web)	Unique edge
OroPocket	₹1	Yes (instant)	Daily micro-buys and monthly automation	Bitcoin (Satoshi) cashback, streaks, Spin-to-Win, referral Satoshi	Sell to bank; delivery (coins/jewellery where available)	24K	Authorized bullion partners; insured vaults; RBI-compliant ecosystem	Android, iOS	Free Bitcoin on every gold/silver purchase
Jar	₹1	Yes	Daily round‑ups and fixed daily micro‑buys	Streaks/challenges	Sell to bank; delivery via partner (where available)	24K	Reputed digital gold partners; insured vaults	Android, iOS	Spare‑change round‑ups into gold
Gullak	₹1 (typical micro‑savings)	Yes	Daily/weekly SIP‑style automation	Goal streaks, reminders	Sell to bank; physical redemption with partners	24K	Authorized partners; insured vaults	Android, iOS	Goal‑led planner with visual progress
PhonePe Gold	₹10	Yes (AutoPay)	Daily savings and monthly SIP	–	Instant sell to bank; convert to coins/jewellery (thresholds apply)	24K 99.9%	Partner providers; insured bank‑grade vaults	Android, iOS	UPI‑native digital gold inside a super app
Paytm Gold	₹1	Yes	Daily/Monthly via auto‑add	Gift gold	Instant sell to wallet/bank; coin/bar delivery (fees apply)	24K	Leading bullion partners; insured vaults	Android, iOS	Wallet‑native micro gold with 24×7 access
MMTC‑PAMP Digital Gold	₹1 (via partners)	Yes (via partners)	If partner offers SIP/automation	–	Sell; convert to coins/bars (thresholds apply)	24K 999.9	MMTC‑PAMP; insured vaults	Android, iOS; partner platforms	Direct refiner‑grade bullion
SafeGold	₹1 (via partners)	Yes	If partner offers SIP/automation	–	Sell; coin/bar delivery (charges apply)	24K	SafeGold ecosystem; insured vaults; audited	Android, iOS; partner apps	Powers multiple leading gold‑savings apps
Tanishq DigiGold	Low entry (via offers/partners)	Yes	Daily/monthly and one‑time	–	Sell back; convert to coins/jewellery (fees/thresholds apply)	24K	Reputed partners; insured storage	Android, iOS, Web	Direct pathway to jewellery redemption
CaratLane eGold	₹10+	Yes	Daily/monthly via app features	Jewellery offers/credits (varies)	Sell to bank; redeem to coins/jewellery (fees apply)	24K	Authorized partners; insured vaults	Android, iOS, Web	Seamless bridge from savings to jewellery
DigiGold	₹1 (SIP from ~₹500)	Yes	Daily/Monthly via SIP and manual buys	Gifting features	Instant sell; convert to coins/jewellery (where available)	24K 99.9%	Reputed vault keepers; insured	Android, iOS, Web	No‑lock‑in SIP + multi‑metal flexibility

Conclusion & next steps

Tiny, consistent buys beat big, inconsistent ones. Start with what you can – ₹1, ₹10, or ₹100 a day – and let automation plus time do the heavy lifting. The playbook is simple:

• Pick one app from this list that fits your style.

• Set up automation (daily or monthly via UPI).

• Stay consistent for 90 days – no timing, no stress.

• Review once a month, then slowly increase your amount as your income grows.

When to choose which type of app:

• Jeweller‑backed: Best if you know you’ll convert to coins or jewellery for weddings/festivals. You’ll get a clear path from savings to ornaments.

• Provider/refiner platforms: Ideal if you value brand trust, purity, and broad partner networks (easy sell/redemption via multiple apps).

• Rewards‑centric: Perfect if you’re building a daily habit and want extra motivation – streaks, bonuses, and cashback that make saving feel fun and rewarding.

Final tip: Put your plan on autopilot, then treat it like a utility bill. Review monthly, check your progress in grams/₹, and step up your daily/weekly amount by 5–10% whenever your income rises. That’s how small money turns into meaningful wealth.

Ready to start today? Try OroPocket to start from ₹1, automate buys via UPI, and earn free Bitcoin rewards on every purchase. Download now: https://oropocket.com/app