Best App for Investing in Gold in India [2026]: Fees, Rewards, and Safety Compared

Introduction

Gold is beating inflation while your savings account isn’t. In 2026, the easiest way to own 24K gold is via your phone.

If you’re hunting for the best app for investing in gold in India, this guide is your shortcut. We compare what actually matters:

• Purity and hallmarking standards

• Vault partners and insurance coverage

• UPI support and payment ease

• Charges and hidden fees (if any)

• Redemption options to coins, jewellery, or directly to bank

• Rewards and perks (including Bitcoin cashback)

• Overall user experience and reliability

Who is this for? First-time investors, salaried professionals, and Bitcoin‑curious users who want a safe, habit‑building gold investment app – whether you’re searching for the best gold app, the best app to invest in gold, or the best gold buying app in India.

What you’ll get: A no‑BS, side‑by‑side look at India’s leading gold investment apps so you can pick confidently in 5 minutes.

A quick word on safety: Digital gold is backed by physical 24K gold stored in insured vaults via reputed partners. Always verify the partner name, storage arrangements, and redemption terms before you buy.

Ready to start with ₹1 and earn free Bitcoin on every purchase? Download the OroPocket app: https://oropocket.com/app

How we picked (methodology)

• Shortlist sources:

  • Leading Indian fintech blogs and investor communities

  • App store ratings/reviews (recency, installs, complaints)

  • Reputed bullion partners and custodians commonly cited in India

• Scoring lenses (weighting in brackets):

  • Safety & purity (25):

    • 24K (99.9%+) purity, BIS/ISO-aligned standards

    • Named, reputed custodians and fully insured vaults

  • Partners & compliance (15):

    • Backing by MMTC‑PAMP, SafeGold, Augmont or equivalent

    • Clear disclosures, third‑party audits, and transparent policies

  • Payments & onboarding (15):

    • UPI/native flows, instant settlement

    • Quick, low‑friction KYC and SIP/auto‑buy availability

  • Charges transparency (10):

    • Clear buy/sell spread and any convenience/storage handling fees

    • No hidden markups or surprise deductions

  • Redemption flexibility (15):

    • Coins/bars/jewellery redemption or instant sellback to bank

    • Simple, predictable timelines and minimums

  • Rewards & habit building (10):

    • Cashback/points, streaks/goals, referrals, price alerts

    • Nudges that build consistent investing habits

  • App experience (10):

    • Reliability, speed, uptime, intuitive UI/UX

    • Gifting/send‑gold, portfolio insights, support responsiveness

• What we avoided:

  • Hidden fees, unclear spreads, opaque storage costs

  • Unclear or restrictive redemption, long hold/lock periods

  • Weak or undisclosed partners/custodians

• Disclaimer:

  • This is educational, not investment advice; always compare terms, partners, charges, and redemption policies before you buy.

1) OroPocket – Buy 24K gold in 30 seconds + earn free Bitcoin

Snapshot

• Mobile‑first digital gold/silver with microlots and Bitcoin rewards on every purchase.

Why it stands out

• Bitcoin cashback on gold buys, daily streaks, spin‑to‑win, UPI‑native checkout.

Safety & purity

• 24K gold, 100% insured vaults, RBI‑compliant operations via authorized bullion partners.

Payments & onboarding

• UPI support; start with micro amounts; fast KYC.

Rewards & programs

• Tiered Satoshi rewards, streak bonuses, referrals, gifting.

Redemption & liquidity

• Sell instantly back to INR; send/gift gold to contacts; physical redemption where available.

Best for

• First‑time savers who want gold’s stability plus Bitcoin upside and gamified habits.

Quick specs table

Category	Details
Purity	24K (99.9%+)
Partners & custody	Authorized bullion partners, insured vaults
Payments	UPI-native; start from ₹1
Onboarding	Quick KYC, mobile-first
Rewards	Bitcoin cashback (Satoshi), streaks, referrals, spin-to-win
Redemption	Instant INR sellback; physical redemption where available; gifting
Platforms	iOS, Android
Fees/charges	Transparent; no hidden fees stated
Extras	Habit-building gamification, send gold

2) Fiydaa – SIPs and leasing options for goal‑based gold saving

Snapshot

• Micro‑SIPs, rewards, and coin redemption in a simple app.

Why it stands out

• Weekly/monthly SIPs with auto‑debit; leasing features; festive offers.

Safety & purity

• 24K gold with recognized vaulting via industry partners.

Payments & onboarding

• UPI‑friendly flows; quick setup for small starts.

Rewards & programs

• Seasonal deals and referrals.

Redemption & liquidity

• Redeem as coins; sellback supported.

Best for

• Users who prefer automated SIPs and occasional festive redemptions.

Quick specs table

Category	Details
Purity	24K (99.9%+)
Partners & custody	Industry-recognized vaulting partners
Payments	UPI-friendly; SIP auto-debit options
Onboarding	Quick setup; small-ticket starts
Rewards	Seasonal offers, referrals
Redemption	Coin redemption; sellback supported
Platforms	Mobile app
Fees/charges	Transparent disclosures; check spread
Extras	Leasing options for goal-based saving

3) Google Pay Gold – Safe, familiar, and built into your daily payments

Snapshot

• Buy/sell 24K digital gold within GPay via reputed refinery partners.

Why it stands out

• Trust + simplicity; integrates with existing UPI routines and contacts.

Safety & purity

• 24K gold via leading refinery/partner with insured vaulting.

Payments & onboarding

• UPI‑native; instant purchase flows.

Rewards & programs

• Occasional offers; price alerts/notifications.

Redemption & liquidity

• In‑app sellback; physical redemption available via partner terms.

Best for

• Daily UPI users who want a no‑friction gold entry point.

Quick specs table

Category	Details
Purity	24K (99.9%+)
Partners & custody	Reputed refinery partner; insured vaults
Payments	UPI‑native; instant purchase and sell flows
Onboarding	Uses existing GPay account; minimal additional KYC as required
Rewards	Occasional partner offers; price alerts/notifications
Redemption	In‑app sellback; physical redemption per partner policies
Platforms	Android, iOS (within Google Pay)
Fees/charges	Spread shown at checkout; storage/handling per partner terms
Extras	Contact integration, reminders, seamless daily-payments context

4) Paytm Gold – Price alerts, easy buy/sell, and coin redemption

Snapshot

• Digital gold within Paytm with strong partner network.

Why it stands out

• Real‑time price tracking, alerts, and simple conversion to coins/bars.

Safety & purity

• 24K gold stored in insured vaults via reputed partners (incl. MMTC‑PAMP/SafeGold routes).

Payments & onboarding

• UPI and other Paytm rails; quick micro‑purchases.

Rewards & programs

• Periodic cashbacks/offers.

Redemption & liquidity

• Physical redemption (coins/bars) and easy sellback.

Best for

• Users who want alerts and occasional physical coin redemptions.

Quick specs table

Category	Details
Purity	24K (99.9%+)
Partners & custody	MMTC‑PAMP/SafeGold routes; insured vaults
Payments	UPI and Paytm wallet/bank rails
Onboarding	Fast setup; micro‑purchases supported
Rewards	Periodic cashbacks/offers
Redemption	Coins/bars redemption; quick in‑app sellback
Platforms	Android, iOS (within Paytm)
Fees/charges	Spread visible at checkout; partner storage/handling terms apply
Extras	Price alerts, reminders, gifting options

5) PhonePe Digital Gold – Fast UPI flows with trusted vault partners

Snapshot

• Buy 24K gold through familiar PhonePe interface and partners.

Why it stands out

• Lightning‑fast UPI payments; gifting features; goal‑based buys.

Safety & purity

• 24K gold via top‑tier partners (e.g., MMTC‑PAMP/SafeGold) with insured vaults.

Payments & onboarding

• UPI‑native; micro‑investing friendly.

Rewards & programs

• Occasional offers; partner tie‑ins for jewellery redemption.

Redemption & liquidity

• Sellback and physical redemption per partner terms; gifting supported.

Best for

• UPI‑first savers who value speed and simplicity.

Quick specs table

Category	Details
Purity	24K (99.9%+)
Partners & custody	MMTC‑PAMP/SafeGold partnerships; insured vaults
Payments	UPI‑native; fast checkout
Onboarding	Uses PhonePe account; minimal KYC as needed
Rewards	Occasional offers; partner tie‑ins for jewellery redemption
Redemption	In‑app sellback; physical redemption per partner policies; gifting
Platforms	Android, iOS (within PhonePe)
Fees/charges	Spread/charges disclosed at checkout
Extras	Goal-based buying, reminders, contact gifting

6) Groww Gold – Track all investments and gold in one place

Snapshot

• Stocks, mutual funds, and digital gold under one roof.

Why it stands out

• Unified portfolio tracking; SIP options; clean UI.

Safety & purity

• 24K gold with reputed vaulting via industry partner.

Payments & onboarding

• UPI and bank options; quick setup.

Rewards & programs

• Occasional offers; educational content.

Redemption & liquidity

• Simple sellback; physical redemption enabled via partner.

Best for

• Investors who want gold alongside equity/MF holdings.

Quick specs table

Category	Details
Purity	24K (99.9%+)
Partners & custody	Industry-recognized partner; insured vaults
Payments	UPI and bank transfers
Onboarding	Quick account setup; SIP options
Rewards	Occasional offers; learning resources
Redemption	Simple sellback; physical redemption via partner
Platforms	Android, iOS, Web
Fees/charges	Spread disclosed at checkout; partner terms apply
Extras	Unified portfolio view, alerts, SIP planning

7) Jar – Round‑ups that turn spare change into gold

Snapshot

• Automates tiny, frequent gold buys from everyday spends.

Why it stands out

• Round‑ups + autosave build discipline with minimal effort.

Safety & purity

• 24K gold via recognized bullion/vault partners.

Payments & onboarding

• UPI‑linked spending analysis; micro‑buys.

Rewards & programs

• Streaks, challenges, and periodic rewards.

Redemption & liquidity

• Sellback; physical redemption options via partner.

Best for

• First‑time savers who struggle to stay consistent.

Quick specs table

Category	Details
Purity	24K (99.9%+)
Partners & custody	Recognized bullion/vault partners; insured storage
Payments	UPI-linked; automated round-ups and micro-buys
Onboarding	Quick sign-up; links to spend account
Rewards	Streaks, challenges, periodic rewards
Redemption	In-app sellback; physical redemption via partner
Platforms	Android, iOS
Fees/charges	Spread visible at purchase; partner handling terms apply
Extras	Autosave rules, reminders, habit-building nudges

You’re all set. Want me to continue with the next section?

9) MMTC‑PAMP – Direct from India’s leading refinery brand

Snapshot

• Buy 24K digital gold directly from a top refinery brand.

Why it stands out

• Strong brand trust, international certifications, audited custody.

Safety & purity

• 24K 999+ purity; insured vaults; robust transparency.

Payments & onboarding

• UPI/bank options with clear processes.

Rewards & programs

• Occasional offers; brand‑led campaigns.

Redemption & liquidity

• Redeem as coins/bars; sellback supported.

Best for

• Buyers who prioritize brand pedigree and direct purchase.

Quick specs table

Category	Details
Purity	24K (999+)
Partners & custody	Direct refinery custody; insured vaults
Payments	UPI and bank transfers
Onboarding	Clear step-by-step process
Rewards	Occasional brand campaigns
Redemption	Coins/bars redemption; sellback supported
Platforms	Web, Android, iOS
Fees/charges	Spread/charges disclosed at checkout
Extras	High transparency, audited storage practices

10) Augmont (Gold For All) – SIPs and jewellery/coin redemption

Snapshot

• Consumer app from a large bullion provider with SIPs and redemptions.

Why it stands out

• Bullion‑native infrastructure; wide redemption choices.

Safety & purity

• 24K gold; insured custody; established supply chain.

Payments & onboarding

• UPI and bank rails; easy KYC.

Rewards & programs

• Seasonal offers; referrals.

Redemption & liquidity

• Coins/bars/jewellery options and simple sellback.

Best for

• Users who want a bullion‑provider app with SIP focus.

Quick specs table

Category	Details
Purity	24K (999 BIS/NABL hallmarked)
Partners & custody	In‑house bullion/refinery infrastructure; insured custody
Payments	UPI and bank transfers
Onboarding	Easy KYC; SIP configuration
Rewards	Seasonal offers; referrals
Redemption	Coins/bars/jewellery redemption; sellback supported
Platforms	Android, iOS, Web
Fees/charges	Spread/fees visible at checkout
Extras	Gold loans, old gold sell, silver investing

Standardized specs table (applies to every product section)

Product	Purity & source (e.g., 24K 999, refinery/partner)	Vault/custodian (insured? audited?)	Minimum investment (micro‑friendly?)	Payment methods (UPI/cards/net‑banking)	Rewards/perks (cashback, streaks, referrals)	Redemption (sellback, coins/bars, jewellery)	Typical charges (storage handling/spread – high level only)	Availability (Android/iOS/Web)
OroPocket	24K 999; authorized bullion partners	Insured, audited vaults	micro (₹1+)	UPI‑native	Bitcoin cashback, streaks, referrals	Instant sellback; physical (where available); gifting	Transparent spread; no explicit storage fee	Android, iOS
Fiydaa	24K 999; industry partner	Insured custody	micro (₹1+)	UPI; auto‑debit SIPs	Seasonal offers, referrals	Coins redemption; sellback	Spread visible; low/standard	Android, iOS
Google Pay Gold	24K 999; reputed refinery partner	Insured vaults	micro (₹1+)	UPI	Occasional offers; alerts	In‑app sellback; physical via partner	Spread shown; partner handling terms	Android, iOS
Paytm Gold	24K 999; MMTC‑PAMP/SafeGold routes	Insured vaults	micro (₹1+)	UPI, wallet, bank	Periodic cashbacks/offers	Coins/bars; quick sellback	Spread disclosed; partner storage terms	Android, iOS
PhonePe Digital Gold	24K 999; MMTC‑PAMP/SafeGold	Insured vaults	micro (₹1+)	UPI	Occasional offers; gifting	Sellback; physical per partner	Spread/fees at checkout	Android, iOS
Groww Gold	24K 999; industry partner	Insured vaults	low (₹10+ typical)	UPI, bank	Occasional offers; education	Simple sellback; physical via partner	Spread disclosed	Android, iOS, Web
Jar	24K 999; recognized partner	Insured storage	micro (round‑ups)	UPI‑linked	Streaks, challenges, periodic rewards	Sellback; physical via partner	Spread; partner handling	Android, iOS
Gullak Gold	24K 999; reputed partner	Insured vaults	micro (₹50/day typical)	UPI, auto‑debit	Streak rewards, referrals, alerts	Flexible sellback; physical via partner	Spread; no explicit storage fee	Android, iOS
MMTC‑PAMP	24K 999+; direct refinery	Insured, audited custody	low	UPI, cards, net‑banking	Occasional brand campaigns	Coins/bars; sellback	Spread; handling as disclosed	Web, Android, iOS
Augmont (Gold For All)	24K 999 BIS/NABL hallmarked	Insured custody	micro (₹1+)	UPI, bank	Seasonal offers; referrals	Coins/bars/jewellery; sellback	Spread; fees visible at checkout	Android, iOS, Web

Overall comparison table: Top 10 apps at a glance

App	Core vault/refinery partner	UPI support	Rewards/perks	Redemption options	Best for (persona/use case)
OroPocket	Authorized bullion partners; insured vaults	Yes (UPI‑native)	Bitcoin cashback, streaks, spin‑to‑win, referrals	Instant sellback; physical (where available); gifting	First‑time savers and Bitcoin‑curious users who want gamified habits
Fiydaa	Industry vaulting partner; insured custody	Yes (incl. auto‑debit SIPs)	Seasonal offers, referrals	Coins redemption; sellback	Goal‑based SIP savers seeking leasing options
Google Pay Gold	MMTC‑PAMP (via partner); insured vaults	Yes (native)	Occasional offers; price alerts	In‑app sellback; physical via partner	Daily UPI users wanting a no‑friction gold entry
Paytm Gold	MMTC‑PAMP/SafeGold routes; insured vaults	Yes (UPI/wallet/bank)	Periodic cashbacks/offers	Coins/bars; easy sellback	Users who want alerts and coin/bar redemptions
PhonePe Digital Gold	MMTC‑PAMP/SafeGold; insured vaults	Yes (UPI‑first)	Occasional offers; gifting	Sellback; physical per partner; gifting	UPI‑first savers prioritizing speed and simplicity
Groww Gold	Industry partner (e.g., SafeGold); insured vaults	Yes (UPI/bank)	Occasional offers; education content	Simple sellback; physical via partner	Investors tracking gold alongside stocks/MFs
Jar	Recognized bullion partner (e.g., SafeGold); insured	Yes (UPI, round‑ups)	Streaks, challenges, periodic rewards	Sellback; physical via partner	First‑time savers who need automated discipline
Gullak Gold	Reputed partner; insured vaults	Yes (UPI, auto‑debit)	Streak rewards, referrals, alerts	Flexible sellback; physical via partner	Users who want automated daily/weekly savings
MMTC‑PAMP	MMTC‑PAMP refinery (direct); insured custody	Yes (UPI/bank/cards)	Occasional brand campaigns	Coins/bars; sellback	Buyers prioritizing brand pedigree and direct purchase
Augmont (Gold For All)	Augmont refinery/in‑house custody; insured	Yes (UPI/bank)	Seasonal offers; referrals	Coins/bars/jewellery; sellback	Users wanting bullion‑provider app with SIPs and wide redemption

Conclusion + next steps

Here’s the 5‑minute takeaway on the best gold investment app in India for different styles:

• Habit‑builders: Pick an app with daily/weekly auto‑saves, nudges, and streaks to stay consistent.

• UPI‑first buyers: Choose a platform with instant UPI checkout and quick KYC so you can buy 24K gold in seconds.

• Brand‑trust seekers: Prefer direct refinery or well‑known bullion partners with insured custody and clear audits.

• All‑in‑one investors: Use a platform that shows your gold alongside stocks/MFs for a single portfolio view.

Before you buy, run this safety checklist:

• Verify the partner: refinery/custodian name, insured vaults, and audit transparency.

• Read redemption terms: sellback timelines, coin/bar/jewellery options, minimums, and delivery costs.

• Understand the spread: know the buy/sell difference and any handling or storage disclosures.

Final recommendation: If you want microlots, UPI speed, and rewards that actually build habits, try OroPocket. You’ll get 24K gold starting at ₹1 – plus free Bitcoin on every purchase, daily streaks, and instant sellback.

Download OroPocket on iOS/Android: https://oropocket.com/app