Sovereign GOld Bonds

A beginner’s guide to investing in Sovereign Gold Bonds

Sovereign gold bonds
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A beginner’s guide to investing in Sovereign Gold Bonds

Sovereign gold bonds were first introduced by the Government of India back in 2015 as part of the Gold Monetization Scheme. Under this scheme, the bond issues are offered in tranches by the Reserve Bank of India on behalf of the government. These bonds are an ideal alternative to gold investment in physical form. Investors are attracted to this investment form primarily because of the benefit of potential appreciation in gold prices. Sovereign gold bonds have a fixed interest of 2.5% which is paid semi-annually on the invested amount. 

Here are some important details on sovereign gold bonds for first-time investors who are looking to explore this form of investment.

What are Sovereign Gold Bonds?

The Indian market has witnessed a significant decline in the demand for physical gold. According to statistics, India’s gold demand is said to have dropped by 35.34% in 2020 alone. With the aim to offer an alternative to physical gold, the Government of India introduced the Sovereign Gold Bond (SGB) Scheme. These are part of the debt fund category. 

Sovereign gold bonds are certificates issued by the RBI against grams of gold. These allow individuals to invest in gold without the hassle of keeping the physical gold safe. Since gold prices are not severely impacted by market fluctuations, Sovereign gold bonds make for a secure investment tool. These are considered as prospective investment avenues because of the popularity and demand for gold which results in a significant price rise over time.

SGB value is denominated in multiples of gold grams. Since these bonds are issued by the RBI within the umbrella of Government of India stocks, there is a pre-decided window for the subscription. During this time period, a sovereign gold bond scheme is issued by RBI in tranches. The RBI normally announces the issuance of fresh sovereign bonds through a press release every 2-3 months. It provides a week-long window during which investors can subscribe to the scheme.

Who should invest in SGBs?

Investors who are looking to diversify their portfolio with exposure to gold can consider investing in Sovereign Gold Bonds. Since this is a low-risk investment, it is ideal for investors who have a low-risk appetite. It also provides a fixed income semi-annually. Investors don’t have to spend a lot on this investment since compared to physical gold, the cost of SGB purchase/sale is low. Investors who want to avoid the hassle of safeguarding physical gold can opt for this form of investment, as these can be easily stored in Demat form. 

Why should you invest in SGBs?

There are many advantages of investing in sovereign gold bonds. Some of the major reasons to invest in gold bonds are as below:

  • Investors can use these bonds as collateral against loans.
  • Sovereign gold bonds attract a fixed annual interest rate of 2.5% on the issue price. 
  • To purchase these bonds, payment can be made in cash. It is allowed up to a maximum of Rs. 20,000. Investors can also use demand draft, cheque, or e-banking for making the payment.
  • These bonds can also be converted into DEMAT form.
  • Gold bonds act as security since these are issued as Government of India stock.
  • These can be traded on a stock exchange after completion of the stipulated time period, which is approximately 5 years from the time of investment.

Are there any drawbacks of Sovereign Gold Bonds?

Before investing in sovereign gold bonds, investors must know the drawbacks of this form of investment. Here are some important points to note:

  • Inverse Correlation to the Stock Market – Gold prices have a tendency to be inversely correlated to the stock market movements. Historically, an upturn in stock market returns has often seen a reduction in gold prices. When the economy is seen to be doing well, investors gain an optimistic approach towards the stock market since they expect good performance from the companies in response to rising aggregate demand. Thus, demand for gold bonds drops, resulting in a drop in the market prices.
  • Impact of Currency Fluctuations – Currency value fluctuations also have an impact on the price at which gold is traded. If the benchmark currency (i.e. the US dollar) appreciates, it causes gold prices to fall because of the consequent rise in inflation rates. As the import expenditure of a country rises, the net investment falls, leading to an impact on the demand for gold and therefore its prices.

How is tax calculated on Sovereign Gold Bonds?

Returns on Sovereign gold bond can be broadly classified into the following two categories:

  1. Capital gains earned at the time of maturity of a bond 
  2. Interest earnings disbursed semi annually. 

Investors who choose to retain the bond throughout its term do not have to pay long-term capital gains tax. However, interest income is taxable under ‘Income from other sources,’ and tax rates applicable are as per the respective income tax slabs in the financial year.

Investors who wish to resell these bonds in the secondary market must pay tax on realised capital gains, if any. Resale of these bonds within 3 years from the investment date attracts short-term capital gains tax on total profits. The tax rates applicable are as per the annual income of investors. Long-term capital gains attract a 20% tax rate applied on the total earnings after accounting for indexation.

Sovereign Gold Bonds vs Physical Gold

For investors who are not sure between investing in physical gold or gold bonds, here are some differentiating points:

Category Sovereign Gold Bond Physical Gold
Safety of Asset High Risk of theft and regular wear/tear depending on storage conditions
Investment Returns  Higher than physical gold returns Lower due to deduction of making charges
Purity Since these are in electronic form, the investment can be considered as pure form Difficult to determine at times
Tradeability Can be traded after completion of 5 years of investment Can be bought and sold through traders or commodities market
Tax LTCG after three years. (Capital gain tax is not charged if bond redeemed after maturity) LTCG after three years


Investors can consider buying sovereign bonds after carefully analysing personal financial goals and investment tenure. This is because sovereign gold bonds involve considerable investment, which gets locked in until the investor can realise future returns. Investors must regularly follow the RBI’s website to successfully subscribe to sovereign gold bond issues.

Frequently Asked Questions

Where do I get the application for SGB?
The application form for sovereign gold bonds can be availed from issuing banks, designated Post Offices, or through agents. It is also available for download on RBI’s website. Issuing banks that are authorised by RBI can also provide an online application facility to applicants.

Can a minor invest in SGB?
Yes, minors are eligible to invest in SGB. The application for a minor has to be made by his/her guardian.

Is there any risk involved in investing in SGB?
There could be a risk of capital loss in case the market price of gold falls. However, an investor does not lose the units of gold that have been paid for.

Can I apply for SGBs online?
Yes, SGB application can be made online by visiting the designated bank’s website or downloading the form from the RBI website.

Can I invest in Sovereign Gold Bonds using a DEMAT account?
Once you purchase the bonds, these can be held in your demat account. You need to make a request for the same while furnishing the application form. In case the process of dematerialization has not been completed, the bonds will be held in RBI’s books. 

Can Sovereign Gold Bonds be traded?
Yes. The bonds are tradable on stock exchanges if they are held in de-mat form with depositories. Investors can trade these as per RBI guidelines.

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The terms (“Terms”) govern the purchase and sale of digital gold from SafeGold facilitated through the online platforms – (“Finity Website”), and the iOS and Android mobile application – “Finity” (“App”). The Platform (defined below) is owned and operated by Finwizard Technology Private Limited, a private limited company incorporated under the Companies Act, 2013 with its registered office at Queens Paradise, 1st Floor, Curve Road Shivajinagar, Bangalore- 560052, Karnataka, India (“Finity”).

Subject to the foregoing, this Terms shall be read in conjunction with the General Terms and Conditions of the Platform, shall govern your access and use of the Platform with respect to the SafeGold Services available on the Platform



Finity provides a technology facilitation service to Digital Gold India Private Limited, a company incorporated under the Companies Act, 2013 with its registered office at 1902 Tower B, Peninsula Business Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai, Maharashtra 400013, (“SafeGold“) to offer gold for sale, delivery and repurchase and other related services of safe keeping/vaulting to the Customers under SafeGold’s brand name  (hereinafter referred to as the “Services”). As used herein “You”. “Your” and “User” shall mean any person who accesses or uses the Platform to avail the Services.

Finity is only a technology platform service provider to SafeGold. 



You represent and warrant that you:

  1. are at least 18 years old; 
  2. competent to form a binding contract under the Indian Contract Act, 1872; 
  3. have not previously been suspended or removed from using Finity’s Services and/or the Platform or any part thereof. 


  1. For Transacting through the Platform in accordance with these Terms, you authorize and request Finity to create an account with the Website through the Platform (“Account”), on your behalf, prior to Transacting through the Platform. As part of the registration process, you will be required to provide certain information and details, including your mobile number, an e-mail id, password and any other information deemed necessary by SafeGold / Finity from time to time.
  2. You understand and agree to provide the necessary information and documents as per the Know Your Customer (“KYC”) guidelines and/or any other applicable guidelines issued under applicable laws, as may be specified from time to time. Currently, you are required to provide the following details:



3. You further understand that you are responsible for maintaining the confidentiality and security of your Account including log-in details and the password. Activities and Transactions that occur in or through your Account will be considered your instructions by Finity. 

4. You represent and warrant that all information, data and document provide by you (i) for creating of the Account; and/or (ii) through your Account are true, correct, accurate and up to date. In the event of any change, you agree to update the details on the Account in a prompt and swift manner.



For the purpose of these Terms, wherever the context so requires, the term:

  1. Customer” or “you” shall mean any individual, who as the counterparty transacts using the Platform for buying Gold from SafeGold, taking delivery of Gold and/or selling back the Gold to SafeGold, as outlined in these Terms.
  2. Gold” means either: (i) 995 pure 24 karat gold offered to the retail Customers under Digigold’s brand “SafeGold” or (ii) 999 or 999.9 pure 24 karat gold offered to the retail Customers under Digigold’s brand “SafeGold”; as shall have been mutually agreed from time to time.
  3. Customer Request” shall mean a delivery request, sale request or exchange request placed by you in relation to the Customer Gold.
  4. Force Majeure Event” shall mean any event that is beyond the reasonable control of Finity and/or SafeGold and shall include, without limitation, sabotage, fire, flood, explosion, act of God, civil commotion, strikes, lockouts or industrial action of any kind, riots, insurrection, war, acts of government, computer hacking, civil disturbances, unauthorised access to computer data and storage device, computer crashes, virus attacks, breach of security and encryption, and any other similar events not within the control of Finity and/or SafeGold and which Finity and/or SafeGold is not able to overcome.
  5. Person” shall mean an individual, a corporation, a partnership, a joint venture, a trust, an unincorporated organization and any other legal entity.
  6. “Transaction or Transact” means buying Gold from SafeGold, taking delivery of Gold and/or selling back the Gold to SafeGold, as outlined in these Terms
  7. Platform” means collectively: (i) the Website; and (ii) Finity Website and App.
  8. Website” shall mean the domain name owned and operated by SafeGold.

In addition to the terms defined above, additional terms used herein shall have the respective meanings assigned thereto in the relevant sections contained hereinafter.



You, as a Customer, acknowledge, understand and agree that:

  1. Finity is merely enabling you to avail the Services from SafeGold. 
  2. Finity assumes no liability for the Services except for providing payment services and Customer assistance in addressing the preliminary queries related to the Services.
  3. Subject to the foregoing, any and all the Transactions relating to the Services are being rendered by SafeGold in association with the Intermediaries (namely the Custodian and Vault Keeper) with whom separate agreements have been entered by SafeGold.
  4. SafeGold and/or Finity do not guarantee any returns, on any transactions consummated vis-à-vis the Platform, to any person, either directly or indirectly. 
  5. You further acknowledge and agree that SafeGold and/or Finity and its officers, directors, employees, agents and affiliates will have no liability for your purchase or other decisions using the Account and the same have been made by you after due consideration and risk analysis.
  6. Finity/SafeGold may revise these Terms from time-to-time and it is your responsibility to view the Platform to check such updates.
  7. The Services by SafeGold shall be provided for a term commencing from the date of acceptance of the Terms.
  8. You acknowledge and accept that the Services are for Customer’s personal use.
  9. That the Services are being provided and made available on an “AS IS” and “AS AVAILABLE” basis. The Platform may contain errors or inaccuracies that could cause failures, corruption or loss of data and/or information from your device and from peripherals (including, without limitation, servers and computers) connected thereto. You assume all risks and costs associated with your use of the Services, including without limitation, any costs incurred for the use of your device and any damage to any equipment, software or data.



  • Appointment of Intermediaries

SafeGold may from time to time appoint intermediaries who shall assist SafeGold in providing the Services to you. The term, “Intermediaries” shall mean the Security Trustee, Vault Keeper and shall include any and all Persons appointed by SafeGold or by individuals/entities as authorised by SafeGold (as the case may be) upon placement of a Customer Request (and successful payment of monies in lieu thereof) till the consummation of the Customer Requests placed by you in accordance with these Terms. You hereby consent to the appointment of such Intermediaries, for and on your behalf, by SafeGold or the Custodian (as the case may be).

  1. You acknowledge and understand that these Intermediaries have been appointed to ensure that your Customer Orders/Customer Requests are duly complied with in accordance with these Terms. 
  2. You additionally acknowledge that certain payments will have to be made to these Intermediaries for their appointment and services in relation thereto, which shall be borne by SafeGold on your behalf unless otherwise indicated in these Terms.
  • Appointment of Security Trustee
  1. Currently, Brink’s India Private Limited., has been appointed by SafeGold as a Custodian.
  2. You hereby acknowledge and agree that in order to ensure that your Customer Orders/Customer Requests are fulfilled in all circumstances, a first and exclusive charge on the Customer Gold  by way of hypothecation will be created in favour of Custodian or any successor Person (“Security Trustee”).
  3. By accepting these Terms, you further agree to accede to the terms for such arrangement with the Custodian (i.e., a Custodian Agreement) and for creation of the charge over the Customer Gold  by way of a deed of hypothecation or the like (collectively, “Custodian Agreements”). By accepting to this Terms, you acknowledge that you will accede to the Custodian Agreements (upon such date) as if you had been named as an original party to the same and had executed each of such Custodian Agreements; and will be bound by all the terms and conditions of the Custodian Agreements.
  4. In the event of any expenses or charges remaining payable to any Intermediaries or otherwise till actual delivery or fulfilment of any of your /Customer Requests for any reason, including where SafeGold is unable to pay these expenses or charges for any reason whatsoever, thereby adversely effecting or jeopardizing the fulfilment of your / Customer Requests, then the Custodian will be entitled to sell part of the Customer Gold  and satisfy such outstanding expenses or charges as required.
  5. The sums due to you and/or gold to be delivered (as the case may be), after settling the aforementioned charges, would be dealt with in accordance with these Terms read with the Custodian Agreements. By way of these Terms, you authorize the Custodian to act on your behalf to ensure that your interests are adequately protected.
  • Safe Keeping/Vaulting of Gold
  1. Gold purchased by you corresponding to the Customer Request shall be stored with a Custodian in a vault on your behalf (“Vault Keeper”). Currently, IDBI Trusteeship Services Limited (IDBI) is the Vault Keeper.
  2. You hereby authorize (i) appointment of such Vault Keeper to safe keep the gold purchased; and (ii) SafeGold to store such gold products purchased by you, including, but not limited to, bullion, coins or jewellery (as the case may be) in the secured vault on your behalf (“Customer Gold ”). 
  3. It is hereby clarified that your purchase of the Gold shall be deemed to be completed and title in relation thereto shall be deemed to have been passed upon such relevant portion of the Customer Gold being stored in the vault with the Vault Keeper on your behalf or upon a final invoice being issued by SafeGold in accordance with these Terms, subject to applicable laws.
  4. To ensure that the Customer Gold stored in such vault is adequately protected, necessary insurance policy/ies has been obtained by the Vault Keeper, where the cost of insurance to safe keep the same will be borne by the Vault Keeper. Pursuant to such insurance policy/ies, for any loss or damage to the Customer Gold stored in the vault, you further authorize the Custodian to act as your beneficiary under the insurance policy/ies and to take all steps necessary to protect your interests.
  5. While the Vault Keeper has taken the necessary insurance policy/ies, in case of occurrence of an event not covered in such insurance policy/ies, the Customer Gold may be at risk. The insurance policy/ies obtained by the Vault Keeper are in line with the global industry practices and cover losses due to fire, lightning, theft, cyclone, earthquake, flood, etc. but do not cover losses due to events such as war, revolution, derelict weapons of war, nuclear radiation, etc.



  1. You are required to take delivery of your Customer Gold within such maximum period as shall be specified for this purpose by SafeGold from time to time in the Pricing and Fees section (“Maximum Storage Period”). 
  2. For the purposes of making delivery to you, you are required to provide a valid address and/or any other documents/information that may be specified in this regard by Finity and/or SafeGold on the Platform. 
  3. You may provide such address at any time during the Maximum Storage Period. In the event that no valid address has been provided by you during the Maximum Storage Period or the documents so provided become redundant during the said period, then Finity and/or SafeGold shall for a period 1 (one) year commencing from the date of expiry of Maximum Storage Period (such period being the “Grace Period”) attempt at least once to contact you, using the contact information provided by you to obtain either (i) an address to which you would require the gold in question to be delivered or (ii) your bank account details into which sale proceeds of the Customer Gold  shall be deposited. In the event that Finity and/or SafeGold has not been able to contact you during the applicable Grace Period using the contact information provided by you or where you shall during the Grace Period either fail to:

a. take delivery of the gold in question for any reason whosoever (including where you shall not have provided any address to take delivery of such Gold); or

b. provide the details for a valid bank account into which the proceeds of any sale of such Customer Gold is to be deposited;

  1. Upon expiry of the applicable Grace Period for the Customer Gold in question, SafeGold shall purchase such Customer Gold with the purchase price being the applicable prevailing price displayed on the Platform for purchase of gold from Customers. The purchase proceeds realized from such sale (“Final Sale Proceeds”) after deducting any amounts payable to SafeGold as storage charges for storage of such gold after the Free Storage Period, shall be deposited into a no-lien bank account operated by the Custodian who shall be the sole signatory to such bank account. 


  1. In the event that you shall during a period of three (3) years commencing from the date of expiry of the applicable Grace Period (such period being the “Final Claim Period”) notify either Finity, SafeGold and/or the Custodian that you are claiming the applicable Final Sale Proceeds, the Custodian shall issue suitable instructions to transfer the Final Sale Proceeds to such bank account as you shall notify for this purpose. Please note that to claim the Final Sale Proceeds, you will be required to provide details of a valid bank account and that the Final Sale Proceeds will not be transferred in the absence of such details. You may also be required to provide additional documents and information for Know Your Customer requirements as per the extant laws at the time of taking delivery.
  2. At no time will the Final Sale Proceeds be paid to you in cash. 
  3. In the event that you shall not claim your Final Sale Proceeds within the Final Claim Period, then the Final Sale Proceeds shall be transferred to the Prime Minister’s Relief Fund or such other fund as you may designate for this purpose at any time prior to the expiry of the Grace Period.



  1. Finity and/or SafeGold reserves the right to terminate any Account, with or without notice to you, in the event the KYC documents / information are found to be incorrect or authenticity of the documents / information is found to be doubtful. You hereby undertake to indemnify and keep indemnified Finity against any and all losses, claims, liabilities costs etc. which arise out of or relating to your failure to identify yourself and validate your account promptly and / or due to incorrect KYC documents / information.
  2. Know your Customer (KYC) and Verification:
  3. On receipt of such documentation and other information as provided by you, you shall be entitled to place an order on the Platform (“Customer Order”).
  4. You agree that your continued use of the Platform, consequent upon the creation of the Account, is subject to verification by SafeGold / Finity, of the information and documentation provided by you. You hereby grant Finity permission to conduct such verification, in such form and manner as it may deem fit.
  5. You further acknowledge that SafeGold / Finity reserves the right for such verification either on registration of the Customer Account or at any time thereafter.


  1. Subject to these Terms and the Privacy Policy, you hereby grant to Finity a non-exclusive, worldwide, royalty-free right to (i) collect, store and transmit your data, in each case solely to the extent necessary to provide the Services to you, and (ii) share your data or interact with other people, to distribute and publicly perform and display your data as you direct or enable through the Services. Finity may share your data with SafeGold, who, in turn, may share your data with the Custodians required to fulfil their obligations as a Security Trustee and/or Vault Keeper. 



  1. In consonance with SafeGold’s policy, Customer can buy Gold worth Rs.1.00 (Rupee One Only) and above incremental value thereof at the market linked prices of Gold shown on the Platform. Market linked prices are the quotes linked to the prices of gold in the commercial bullion market in India.
  2. It is hereby clarified that such market linked prices of Gold shall constitute fully binding offers and would be an invitation to offer to purchase Gold at the said market prices to all Customers. 
  3. Notwithstanding the foregoing, you understand that these prices may vary multiple times within a day, and accordingly your payment obligations for any order will depend on the market linked prices prevailing at that particular time. While reasonable efforts will be made to offer you a competitive price for the Gold, there is no guarantee that the price offered to you will be close to or comparable with other prices available in the market.
  4. Once the payments are received by Finity and the KYC information is found acceptable, SafeGold shall issue an invoice to you confirming the Customer Order placed within a period of 3 (Three) business days of placing such order, in a manner it may deem fit.
  5. Notwithstanding anything to the contrary contained in these Terms, Finity and/or SafeGold shall be entitled to accept or reject a Customer Request, for any reason whatsoever, at its sole discretion.
  6. In case of rejection of a Customer Order in accordance with these Terms, where payments have been received by Finity, such payments shall be returned to you to the bank account linked to your Account, subject to the pricing mechanism as mentioned on the Pricing and Fee section of the Terms. 



  1. As per the policy of SafeGold, the Platform offers Services for Customers who wish to procure delivery of the Customer Gold from SafeGold in accordance with the terms of the Platform.
  2. You shall be entitled to procure delivery of the Customer Gold using the Platform (“Delivery Request”).
  3. Upon placing the Delivery Request, you shall be required to pay for the applicable charges and confirm the Delivery Request. Your Account shall be provisionally debited corresponding to the quantity of the Customer Gold sought to be delivered (“Delivered Customer Gold”).
  4. Within a period of 7 (Seven) business days of the Delivery Request being confirmed or such further period as may be required by SafeGold, SafeGold shall arrange for delivery of the Delivered Customer Gold at the shipping address indicated by you. You shall be solely responsible for ensuring that the correct address is furnished by you on the Platform for processing such Delivery Request. You shall not be entitled to change the shipping address after the Delivery Request is processed by SafeGold.
  5. You should carefully examine the package delivered and shall not accept deliveries where the packaging has been tampered with. If, however, you are of the view that the package delivered has been tampered with, you shall be required to intimate Finity immediately of the same, and provide such other information as may be required by Finity in this regard (“Return Request”). Within a period of 10 (Ten) business days of Return Request being placed (with the original package of Delivered Customer Gold  being delivered to SafeGold, in a manner indicated by SafeGold), and the same being approved by SafeGold, SafeGold shall arrange for re-delivery of the Delivered Customer Gold at the shipping address indicated by you. The costs for such shipping shall be borne by SafeGold alone, and not by you. However, in the event of frivolous and unjustified Return Requests made by you, Finity and/or SafeGold reserve the right to take all action available to it, including black-listing or blocking you from using the Services.
  6. You, upon signing the delivery receipt, acknowledge the receipt of the Delivered Customer Gold in terms of the Delivery Request placed with SafeGold. Finity and/or SafeGold shall not be liable to you for any refund/replacement, under any circumstance, for any subsequent complaints with respect to such deliveries and/or any failure on your part (as the case may be) to comply with the Terms.
  7. Upon receipt of the Delivery Request by Finity, the Account shall be debited for the Delivered Customer Gold from the Customer Account.
  8. It shall be your responsibility to ensure that you are available to receive the Delivered Customer Gold at the time of delivery. If you are not available at the time of delivery, SafeGold courier agent may try and deliver the item again before returning the same to SafeGold. In case of return of the Delivered Customer Gold to SafeGold, Account shall be credited for the Delivered Customer Gold, after deducting the charges (if any) due from you, provided however that SafeGold is of the opinion that the packaging has not been tampered with. It is hereby clarified that should a request for re-delivery be made by you, you shall be solely liable to incur the applicable charges for delivering the Delivered Customer Gold.
  9. In case of SafeGold’s inability to make deliveries of Delivered Customer Gold due to a Force Majeure Event, SafeGold shall intimate you of the same and may require that the deliveries be effectuated through specific modes. In such a case, you hereby agree to bear any additional costs and fees necessary for the delivery to be complete.
  10. SafeGold will not be able to deliver a fractional quantity of gold below such threshold as SafeGold shall notify for this purpose even if a Customer Request is made for such fractional quantity (“Threshold Quantity”). You are advised to check the Platform periodically to determine the Threshold Quantity as the same may be revised from time to time. In the event that any Gold below the Threshold Quantity is to be delivered to you, then please note that such Customer Gold  shall instead be sold by SafeGold, based on the sale prices displayed on the Platform and you will instead receive the applicable sale proceeds in your bank account, details of which shall be provided by you. If there is any mistake in the account number provided by you, Finity and/or SafeGold would not be held responsible for the same.
  11. Notwithstanding anything to the contrary contained in these Terms, Finity / SafeGold shall be entitled to reject a Customer Request which is not in compliance with the Terms and shall intimate the Customer of the reasons for the same.
  12. It is hereby clarified that the Customer Gold cannot be pledged or transferred by you to any other user, and the Customer account is non-transferrable, unless specifically allowed by SafeGold and Finity. In the event of death, if specifically allowed by SafeGold and Finity, the title to such Customer Gold lying in the vault and the Account shall transfer to your legal heirs only after the required due diligence has been conducted. Subsequent to this, your legal heir(s) shall be regarded as the Customer for the purpose of the Customer Gold and Account thereafter and the Terms shall be applicable to your legal heir(s).
  13. Due to reasons not directly attributable to SafeGold or Finity, data may be inaccurately displayed on the Platform due to some system errors on the Platform. Finity / SafeGold reserves the right to correct any and all errors when they do occur, at its sole discretion, and Finity or SafeGold shall be entitled to not honour any requests/orders placed by you based on any inaccurate or erroneous prices.
  14. The prices quoted on the Platform are fixed and non-negotiable. The prices on the Platform are also subject to change without notice.



  1. As per the terms of the Platform, you may be provided an option to sell the Customer Gold during market hours based on the sale prices on the Platform. If the prices are found acceptable to you, you shall confirm the sale request, in a form and manner acceptable to Finity (“Sale Request”). Your Account shall be debited corresponding to the quantity of the Customer Gold sought to be sold vide the Sale Request (“Sold Customer Gold”).
  2. Within a period of 5 (Five) business days of the Sale Request being confirmed or such further period as may be required, the payment, pursuant to the Sale Request, shall be disbursed by Finity at the sale prices indicated at the time of placing such Sale Request.
  3. Finity shall arrange for such payments to be made to your bank account, details of which shall provided by you. If there is any mistake in the account number provided by you, Finity or SafeGold would not be held responsible for the same.
  4. It is hereby clarified that SafeGold and/or Finity will provide this service on a best effort basis and only when the commercial bullion market is in operation. SafeGold and Finity do not in any way guarantee that this option will be available to you at all times. 
  5. The buyer of the Sold Customer Gold may be either SafeGold or another party (being interested in buying the Sold Customer Gold). Finity and/or SafeGold shall not be held liable for any actions of such third-party purchaser.
  6. You will be provided with free storage for your Customer Gold for such period as more particularly stipulated by SafeGold in this regard from time to time at its sole discretion and notified to Customers in the Pricing and Fees (“Free Storage Period”). Currently, secure storage of Gold is free for the first two years. After that, SafeGold may levy a charge of up to 0.03% per month of the Customer’s gold balance at the end of each month till the maximum storage period of 7 years is completed. Thereafter, a Customer will have to sell their gold or take delivery.
  7. After the expiry of the Free Storage Period, SafeGold shall be entitled to levy storage charges for such Customer Gold at such rate as would be specified in the Pricing and Fees on the Platform / Website. The charges would be levied by deducting the gold balance at the end of each month by a percentage amount at the specified rate. You are advised to periodically check the Pricing and Fees section of the Website to understand these storage charges. In the event, SafeGold is not able to deduct the storage charges because your gold balance is too low, then SafeGold shall be entitled to sell such portion of your Customer Gold stored with the Vault Keeper that is necessary or required to recover the unpaid storage charges in question.



Finity may suspend your Account:

  1. If there appears to be a fraudulent or suspicious activity in the Account either by you or any third party. In the event of any suspected suspicious activities, you may inform Finity with 10 (ten) days of occurrence of such activity. 
  2. If arrangement between SafeGold and Finity is terminated or Finity decides to discontinue the relationship with SafeGold. In such an event, your gold balance may be accessible through the Website and Finity shall provide you reasonable assistance to access your account on the Website.



  1. Finity and/or SafeGold, in its sole discretion, may modify, suspend, or terminate access to the Services or may require the Platform to modify, suspend, or terminate access to the Services or any part thereof of the Platform or your ability to access any Services through the Platform, at any time and for any reason, including termination for breach of any of these Terms or occurrence of a Customer EoD or the Privacy Policy. The term “Customer EoD” shall mean any default by a Customer of its obligations owed to the Security Trustee, under the Custodian Agreements provided that for the purposes of enforcing the hypothecation created by you in favour of the Security Trustee, the Custodian would be required to first obtain a suitable order / direction passed in its favour from a competent judicial or statutory authority having jurisdiction in the matter.
  2.  These Terms shall further stand terminated:


  1. if SafeGold is adjudged bankrupt or declared insolvent;
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  9. Upon termination of Services as mentioned herein, and where there is any insufficiency of SafeGold funds required to pay any costs and expenses to be incurred in relation to providing delivery of your Customer Gold to you, then in such an event you do hereby authorise the Custodian to sell any part of the Customer Gold , that is necessary or required to defray such costs and expenses.


  1. Pursuant to the Custodian Agreements, SafeGold has created a charge by way of hypothecation in favour of the Custodian for the benefit of the Customers over: (a) the monies lying in the Collection Account from time to time; and (b) gold purchased by SafeGold from time to time and lying with the Vault Keeper or in transit and, which is the property of SafeGold (collectively “Security”). Upon the occurrence of any of the events detailed in sub-clause 13 (a) and (b) as mentioned above, the Custodian under the Custodian Agreements is to: (i) declare all outstanding amounts as due and payable to the Custodian forthwith; and (ii) take charge and/or possession of, seize, recover, receive and remove the Security and use the same to discharge any liability of SafeGold to the Customers. 
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  1. Upon such termination for any reason whatsoever:
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  3. For larger gold holdings, the Custodian shall (to the extent you have not already paid for all the Charges) be allowed to sell part of your gold to pay for all the Charges to all the Intermediaries. The remaining portion of the gold shall be delivered to you in accordance with these Terms, along with the details of the deductions made and the quantum of gold that you are entitled to receive.
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Finity reserves the right to terminate your use of the Service or any related website for violating any of the prohibited uses.



Finity and SafeGold will keep all confidential information confidential, including your personal information, and shall not disclose it to anyone except as required by applicable law, and shall ensure that such confidential information is protected with security measures and a degree of care that it would apply to its own confidential information. Finity and SafeGold acknowledges that its employees, directors, agents and contractors shall use the confidential information only for the intended purpose for which it is provided. Finity and SafeGold shall use all reasonable endeavours to ensure that its employees, directors, agents and contractors acknowledge and comply with the provisions of these Terms of confidentiality as if such person was subject to these Terms of confidentiality.



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SafeGold and/or Finity shall also not be liable under any circumstances for damages arising out or related in any way due to:

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These Terms shall be governed by and interpreted and construed in accordance with the laws of India. The courts of Bangalore shall have exclusive jurisdiction over any disputes arising under these Terms. In the event of any dispute arising out of these Terms the same shall be settled by a binding arbitration conducted by a sole arbitrator, appointed jointly by both parties and governed by the Arbitration and Conciliation Act, 1996. The venue of arbitration shall be Bangalore, Karnataka, India.



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How to invest in gold?

Investing in gold
Home » Gold

How to invest in gold?

Gold is the most favoured asset for the Indians. It carries a social and emotional value in their lives. This is the reason that India is one of the largest consumers of gold in the world. Besides having a sentimental value, gold is seen as an investment opportunity. It is used in hedging when markets take a downturn. It is a crucial asset class in the asset allocation mix and forms a part of the portfolio when diversification is required.

If you are looking to invest in gold, there are many options available in India to invest in gold.

Read on to know more!

Various avenues for investing in gold

Digi Gold

Digi gold or Digital gold is purchased online in a non-physical (digital) form. It protects the downsides of buying physical gold. There are no issues relating to purity, no danger of theft, no extra costs for storage, and you can buy it right from your mobile. 

The Digi gold bought by investors is stored in insured vaults by the seller on behalf of the investors. Customers can buy digital gold from various mobile e-wallets, apps, or brokerage houses available in the country. Once the customer buys digital gold, the selling/ trading companies purchase an equivalent quantity of physical gold and store it under the investor’s name in the secured and insured vaults.

Advantages of Digi Gold

  • There is no doubt on purity as the prices reflected are that of 99.9 % purity
  • No design charges or making charges and no TDS deductions
  • No risk of theft or burglary
  • No extra storage costs

Disadvantages of Digi Gold

  • There is no official government-run regulating authority 
  • There is a limit of Rs. 2 lakhs investment on the majority of platforms
  • There is a limited storage period offered by most companies after that you have an option to sell the gold or take physical delivery

Physical Gold

 Indians love possessing gold in physical form. The traditional way to buy gold was to purchase it in the form of jewelry, coins, bars, etc. People prefer physical gold as they have sentimental value attached to it and it is also seen as a security for emergencies. 

Advantages of physical gold

  • No Demat account is required
  • No brokerage or management fee is levied
  • Little or no paperwork required for investing
  • Market fluctuations are directly proportional to the prices of gold
  • Can be used as collateral for loans

Disadvantages of physical gold

  • Risk of theft or burglary
  • Making charges increase the cost in the case of jewellery
  • There may be storage costs associated with physical gold
  • Risk of jewellery design being outdated
  • There is doubt on the purity of gold
  • Sale of jewellery doesn’t yield the true value of gold

Sovereign Gold Bonds (SGBs)

The Government of India has introduced the Sovereign Gold Bond (SGB) Scheme to provide investors with an alternative to investing in gold. Thus, SGBs are government securities and come under the debt category. The bond denomination is valued in grams of gold. The maturity duration of the gold bond is eight years, and interest at the rate of 2.5% on the nominal value is paid on an annual basis.  There is an option to exit the gold bond after the end of the fifth year. 

Interest earned on gold bonds is taxable as per the Income Tax Act. However, the redemption proceeds received after eight years are exempt from capital gain tax if the investor is an individual. No wonder Sovereign Gold Bonds are becoming popular amongst new age investors.

Advantages of Sovereign Gold Bonds

  • There is a sovereign guarantee on the redemption proceeds and, therefore, is risk-free.
  • Redemption proceeds are tax-free
  • Interest is earned on the bond’s nominal value
  • No risk of theft or burglary
  • SGBs are traded on an exchange, i.e. it can be bought and sold on the exchange and are, therefore, highly liquid
  • No design charges or making charges and no TDS deductions
  • SGBs are accepted as collateral against secured loans
  • There is no doubt on purity as the prices reflected are that of 99.9 % purity

Disadvantages of Sovereign Gold Bonds

  • Interest earned is taxable
  • There is a minimum lock-in period of 5 years
  • The minimum investment required is 1 gram of gold
  • There is a capital gain tax applicable if you redeem the bonds after 5 years and before the stipulated period of 8 years

Gold ETFs (Exchange Traded Fund)

Gold ETF is an Exchange Traded Fund is an instrument that invests in gold bullion and tracks the gold prices. It is a passive way of investing in gold which may be in a paper or a dematerialised form. Gold ETFs are listed and traded on both the exchanges, i.e. NSE and BSE, hence, can be bought and sold at market prices like any other stock. A Gold ETF gives the dual benefits of flexibility and simplicity of investing in gold.

Advantages of Gold ETFs

  • There is no fear of theft or burglary
  • No wealth tax, GST, and Security Transaction Tax is levied on ETFs
  • There are no making charges, hence, cost-effective
  • ETFs are listed on the stock exchange and are tradable, i.e. it can be bought and sold on the exchange and are highly liquid
  • There is no doubt on the purity
  • There are no storage costs
  • ETFs can be kept as collateral for obtaining secured loans
  • Pricing is done transparently as the price of the ETF is based on real-time gold prices

Disadvantages of Gold ETFs

  • There are brokerage charges involved when buying and selling a gold ETF
  • Some ETFs may not be liquid in which buying and selling is impacted
  • There may be Demat account and annual maintenance charges involved 
  • Gold ETFs are redeemed in cash equivalent and not in physical gold

Gold Mutual Funds

Gold mutual funds are another convenient way of investing in gold without purchasing it in physical form. Gold mutual funds are a category of mutual funds that invests in Gold ETFs, stocks of gold producing companies, physical gold, and/or stocks of gold mining companies.

The fluctuation in the prices of gold impacts the NAV (Net Asset Value) of the fund. Investment in gold funds is also done as a part of diversification or to get the right asset allocation. Individuals can divert their funds into gold funds if there is uncertainty in the markets. Investment in gold mutual funds not only gives exposure to gold as an asset but also the services of professional management.

Advantages of Gold Mutual Funds

  • No Demat account is needed
  • There is no fear of theft or burglary
  • There are no making charges, hence, cost-effective
  • There are no storage costs
  • The units allotted in the mutual fund scheme can be bought and sold anytime through the AMC managing that fund. Thus, it is highly liquid.
  • There are no brokerages or transaction fees

Disadvantages of Gold Mutual Funds

  • There are expenses involved in management and administration  on the investment made in gold mutual funds
  • The majority of Gold mutual fund schemes invest in Gold ETFs and charge a management fee, they are less cost-effective than Gold ETFs

Gold works well as a hedge against economic downturns, so it makes sense to include gold in your investment portfolio. You could invest anywhere between 5-15% of your portfolio in gold. The mode of gold investment should also depend on your need. 

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The Goldilocks Planet of Investment – Digital Gold

The Goldilocks Planet of Investment - Digital Gold

If you are a space buff and follow, all the latest updates in the space race, appalled by the beauty and mysteries of space you already know what a Goldilocks planet and probably why are we referring to Digital Gold as it. You can skip and straight away go to the section ‘Why is 24K Digital Gold A Better World for Gold Investment?’ Before we fly into the idea of Digital Gold being the better alternative world for gold investment, it would be wise to understand why are we referring to Digital Gold being a Goldilock planet and the source of this term.

Understanding the Concept of ‘Goldlilocks Planet’

It all starts with a fairy-tale: ‘Goldilocks and The Three Bears’. This is the story of a little girl with golden locks of hair who confidently walks into a home of a family of bears who aren’t at home and checks out her compatibility with their different sized chairs and beds. Of course, she eats all their porridge and does get caught in the end but indeed is the idea behind naming these special planets Goldilocks planet. 

A Goldilocks planet is all about the idea of finding a world that is possibly habitable by carbon-life forms, based on similar features and conditions that exist on Earth. This is extremely difficult to find despite the fact that the universe is limitless and scientists have found only a few possible Goldilocks planet with Earth-like living conditions. You could watch or recollect your memories of watching Christopher Nolan’s science-fiction opera, ‘Interstellar’. It has the concept of Goldilocks planets well explored.

How is Gold investment a Goldilocks Planet?

The immediate idea to buy and sell or trade gold would require a jewellery store or a bank. What if these options aren’t available due to circumstances that could vary from the store is too far to you are sitting at home due to a lockdown? You will need to find a Goldlick alternative for Gold. Digital Gold is not just the answer but it could be possibly a better alternative to regular Gold in multiple ways. However on the contrary in the literal sense of Goldilocks planets, there is no place like home when it comes to Earth and no matter how many Goldilocks planets there are in the universe, bursting with life, Earth is the only home planet we have.

Why is 24K Digital Gold A Better World for Gold Investment?

If regular Gold is Earth, then Digital Gold is a planet like Asgard with narcissistic God-like humanoids roaming around with hammers and staffs with special powers. Not really, that’s not true but in case you want to be an ‘InvesThor’ of Gold, Digital Gold is the right option for the following benefits:

  1. Pay only for 24K Gold: When you buy the jewellery store you are not paying for the gold you are also paying on metals and studded stones and gems. But that is different in the case of buying digital gold. Every rupee you invest is paid to pure 24K gold which has 99.9% of purity ridding it of making charges and precious stones that don’t have any resale value.
  2. The convenience of trading: We are all aware that buying gold can be time-consuming as you need to visit the jeweller, store or bank. With the digital gold investment, you can buy and sell gold online anytime and anywhere as per your comfort. You can even track your gold investment if you are buying gold on our app.
  3. Gold can be converted to cash in seconds: You can easily sell digital gold online anytime and anywhere. As soon as you sell the 24k gold the amount is successfully transferred to your bank account. Where in to liquidate the physical gold you need to visit the seller during the working hours and then you sell the gold.
  4. Zero storage hassles: We all know physical gold needs to be stored in bank locker and vaults, which come with long term expensive storage costs where digital gold saves from such hassles as it stores your accumulated gold in safe and secure vaults.
  5. Digital Gold investment doesn’t have to be a big amount: The best part about buying Gold online is that you do not have to buy large amount of Gold unlike at the stores and keep accumulating it over time by buying small amounts at a time. For example, on our app, you can buy gold for as low as ₹1000 at a time, regardless of what the price of Gold is at the time.

While you can be an ‘InvesThor’ of Gold on our app, do not forget that the most simple life forms are the most powerful and that a Goldilocks planet of gold investment requires simplicity like the scientifically almost immortal amoeba, to thrive.

‘We’re made of star stuff’ – Carl Sagan

Millennials and Investing in Gold

Millennials & investing in gold-08

The word millennial crops up in most contexts of the anguish to explain ‘Generation Y’, as they were earlier referred to as a bunch of people born post the baby boomer years who are significantly more sensitive and sensitized to the world around them and are being either too insensitive towards social norms and ideas being followed for generations. 

Millennials have often been considered to be the laziest and careless generation ever born because while the generations before the Millennials were hard-working and comparatively more sincere, they believed that ‘Necessity is the mother of invention’ which is very far from the truth. Millennials recognized very early in their lives that ‘laziness is the mother of invention’ in reality and that everything today is invented because we just do not want to take the extra-pain of practical choices.

While a lot of people see this as an adversary effect on humankind, millennials are indeed more sensitive, open-minded, and experimental when it comes to new ideas and implementation of new ideas. One such proof is their re-inventing gold as a currency, but increasing the access to it through information technology and innovation.

Gold is truly a millennials choice for investment

As a millennial, it cannot be denied that we want more than we have because we almost get what we want in today’s world. But gold still remains to be one of the rarest metals in the planet often believed by scientists and their theory that large amounts of gold in the form of an asteroid entered the Earth’s atmosphere, scattering itself across the World long long time ago. While a lot of skeptics find it hard to believe, people acquainted with the fictitious metal ‘vibranium’ may be aware that fictitious Wakandans found this invincible and almost magical metal in a similar fashion.

While gold will not turn you into a superhero with the feels of a wild feline, it surely is associated with wealth because it never loses value and keeps getting more precious instead. Unlike titanium or platinum which can draw parallels with adamantium from the character Wolverine being far stronger, the rarity of gold makes it worth a lot more. But why is it convenient for millennials again? 

Gold is now available to be purchased digitally, both for investment or just buying it for your wedding. Yes, on our app, you can literally buy gold for investment or for someone’s wedding and save over some time. A lot of millennials who are beyond the exuberance of gold invest in gold mutual funds as their choice of investment because never has gold been deprived of its financial value over time. Yes, there are even Gold ETFs and Gold futures available as a golden investment opportunity but as a Millennial, you would choose the most convenient option being Digital Gold. Also, the super-secretive visits to buy Gold from a store and then having to take it to the bank locker for the fear of being robbed is also taken care of with Digital Gold. Digital Gold on our app comes with a free locker from MMTC- PAMP who guarantee the safety of a Millennials Gold. 

Millennials are a more educated bunch of individuals and they want the best in everything including MMTC-PAMP’s assurance of the 99.99% purity of the 24K Digital Gold. Hence, Digital Gold is truly a millennials choice of investment because Vibranium and adamantium do not exist in reality and of course all the other reasons that make Digital Gold more convenient to invest in.

“ Digital Gold, Forever”

5 Mysterious Gold Artefacts from Around the World

Gold Artefacts

You do not have to be an adventurer to know how quests and hunts for gold treasure make up for most of the adventure stories that we have heard. As an investor in Gold, it is quite riveting to find out that people were as obsessed with Gold even in the ancient recorded history. Let’s take a look at some of the most interesting gold artefacts with intense back-stories.


Gold Rings of the Griffin Warrior

In 2015, the tomb of a 30-year-old Greek warrior was discovered by archaeologists in Southwestern Greece. Carbon-dating suggests that warrior belonged to 1500 BC and was known as the “Griffin Warrior.” The tomb contained 4 mysterious gold rings and had Minoan mythological imagery etched on it and were made of multiple layers of gold. Many believe that these rings were used to stamp official documents at the time. It is interesting because these rings mirror cultural communication between Minoans and Cretians and perhaps may not have powers like, ‘The Lord of the Rings’ but sure symbolize power. 

Great Golden Bell of Dhammazei

The Bell of Dhammazei located in Myanmar belongs to the 1500s. It was made out of an alloy of silver, copper and gold. It is said to weigh about 300 tons. However, a Portuguese mercenary Felipe de Brito dragged it to the Bago River, unlawfully. Due to the weight, the bell sank into the river. The bell was lost ever since and no amount of innovation has helped to locate it as the river changed its course for over 400 years ever since.

The Golden Rhino of Mapungubwe

The Golden Rhino of Mapungubwe is a gold artefact from South Africa is composed of thin sheets of gold foil that had been literally hammered delicately on a frame made out of wood. Of course, 9 kilos of golden jewellery and other artefacts have also been found. The figurine was discovered in 1932, with confusions about which race of people in Soth Africa were responsible for it as it was considered contradictory to the apartheid ideology. However, experts believe that the Rhino of Mapungubwe was made during the precolonial period, regardless.

Gold Plates of The Wind Gods

22 small golden plates were discovered in the Java island. Dating far back as 800s AD, the plates have carvings depicting religious and spiritual symbols of Javanese version of Hindu religion. The artefact of these plates was found by temple workers in the remains of a candi, or temple, found in Ringilarik village. The inscriptions give the cardinal directions of the wind gods of Javanese Hinduism. There are 8 different wind gods mentioned in the tablets. While the country is predominantly followers of Islam it was interesting to find hidden proofs of diversity.

Golden Crown of The Greek Goddess of Love

This is a hilarious tale because the artefact was found in the most unexpected place. In Britain, an old man found this under his bed inside a cardboard box that he had inherited from his grandfather. The artefact is approximately 2300-year-old and made of pure gold. Experts guess that it was made around 300 BC. The crown weight about 100 grams and was determined to be a myrtle wreath related to the goddess of love Aphrodite. The grandfather had supposedly travelled around in the 1940s and 1950s with a lot of interest in Alexander the Great. While were or he found this artefact will always be a mystery, such inheritance is considerably pleasant.

We wish that you too find such inheritance under your bed, left by your grandparents but it doesn’t happen often. However, building wealth with Digital Gold is not just a possibility but very convenient as well. 24K Digital gold is available for investment without any added costs, hassles of security, thanks to MMTC-PAMP’s gold custodian services and is easy to sell and even track online.

7 Quotes Worth Keeping in Mind For Gold Investment

7 Quote for Gold investment

We are mesmerized by Ted Talks and webinars but unfortunately, less than often do we actually are able to  implement it in our lives for real. However, with quotes, it is slightly easier because we are able to focus on a single point with each quote. The best part, however, is if they are backed by experience, they often become a way of life or a fact. One of the most contradicting and yet hard candy truth was sid by Gertrude Stein. She said, ‘Whoever said money can’t buy happiness simply didn’t know where to go shopping’. While we don’t want to believe this about happiness, it stands true for gold. But this is not it, for Gold, there is more.

7 Motivational Quotation Posts on Gold Investment

Perhaps nothing is more influential than a belief system that is backed by practical facts and statistics. Here are some famous quotes about Gold that Gold investors should  keep in mind when investing in Gold:

1. “Commodities such as gold and silver have a world market that transcends national borders, politics, religions, and race.”

Robert Kiyosaki, American Author

2. “The desire of gold is not for gold. It is for the means of freedom and benefit”

Ralph Waldo Emerson, American Autho

3. “Gold is a treasure, and he who possesses it does all he wishes to in this world and succeeds in helping souls into paradise”

Christopher Columbus

4. Water is best, but gold shines like fire blazing in the night, supreme of lordly wealth.

Pindar, Ancient Greek Philosopher

5. “Gold and silver is money, everything else is credit.” 

– J.P. Morgan

6. “O Gold! I still prefer thee unto paper, which makes bank credit like a bark of vapour.”

Lord Byron, English Poet

7. Those entrapped by the herd instinct are drowned in the deluges of history. But there are always the few who observe, reason, and take precautions, and thus escape the flood. For these few gold has been the asset of last resort. — Antony C. Sutton, British-American economist

One thing common about all the above quotes is the fact that all their beliefs are believed on facts, research and experience. Gold is indeed in every possible way. For example, over the last 30 years, gold prices have shot up by 423% or the fact that during the recession in 2008-2009, while the Sensex had crashed almost 38%, Gold was able to generate a return of 24.58%. Hence, if you think that Gold is truly the gold standard of investment, you too can invest in Digital Gold or simply buy it to build wealth. 4K Digital gold is available for investment without any added costs, hassles of security, thanks to MMTC-PAMP’s gold custodian services and is easy to sell and even track online.


Why is Gold everyone’s favourite precious metal?

Does Gold possess some mystical powers where it even leaves expensive metals such as Titanium and Platinum less wanted? Is it a creation of divine to help us move from civilization to technological advancements and even beat the ruthlessness of the economy. It may not be dramatic as people think, but Gold indeed stands out when it comes to people’s demands from precious metals.

5 Reasons Why Gold Is The Most Popular Precious Metal 

1. One of the rarest precious metals:

While the number of gold mines or ores might contradict with this point as against others but it’s true that finding gold among all the natural resources is the most difficult as it is not only very difficult to mine because of its composition but rarely is it found in huge clusters.

2. It does not erode:

Gold is one of the least erosive metals in the periodic table. It might have a thin layer of dust but because of its non-reactive nature, it lasts longer than any animal’s lifetime.

3. Unique esthetically:

It has one of the most unique colours among precious metals and shinier than any. While some may mix other precious metals such as copper to create rose gold or silver to make white gold, the colour of gold simply stands out.

4. Gold prices always rise with inflation:

An undying demand for gold exists especially in the Indian market where it is considered auspicious and we have festivals solely dedicated to buying gold such as Dhanteras. In fact, over the last 30 years, gold prices have shot up by 423%.

5. Gold is one of the most reliable instruments for investment.

While it looks great at Indian weddings, delightfully brightening up the smile on a bride’s face and her in-laws, it is a very stable investment in the market. During the recession in 2008-2009, while the Sensex had crashed almost 38%, Gold was able to generate a return of 24.58%.

There is an added benefit or proof of gold’s powers but it stands true when you invest in it online, with us. 24K Digital gold is available for investment without any added costs, hassles of security, thanks to MMTC-PAMP’s gold custodian services and is easy to sell and even track online. If you want to use this gold for your personal requirements such as a family wedding or an everlasting gift for someone special, instead of getting their name tattooed on your body permanently, you can withdraw the gold in the form of gold coins. 

Please note that the delivery of these gold coins will be possible after the lockdown has been lifted completely, but we are guessing no one is getting married or finding special people in their lives to want to withdraw their gold investment at this time. Our experts recommend you to ‘buy’ and ‘hold’ your gold investments because, in these unsettling times, the only truth we are settled with is gold is here to stay.


6 Movies Gold Investors Need To Watch At Home

Gold investment lessons

This lockdown is the perfect opportunity to try something new or variant in terms of entertainment. While we have multiple streaming platforms to choose from, it is often difficult to find gold dust in the rivers of programmes and movies available at our disposable. While we love being spoiled by options, let’s try to go for gold in films. The movies here have been chosen based on their plot around the yellow precious metal or it forms at least a characteristic aspect of the movie.

6 Movies to Binge-watch This Lockdown That Are About Gold

Let’s take a look at some of the finest movies related to Gold. Some movies have found their place in this list despite having not being completely related to Gold but because they are also pure golden cinema. This is a spoiler-free list so that you can actually enjoy these movies.

the ballad of busters scruggs

Available on Netflix

The Ballad of Buster Scruggs – “All Gold Canyon”

Why is it Golden to Watch:

This is one of the most recent movies to be listed, and it finds its way here because of one particular story in this anthology. Although we recommend that people watch the whole movie, the story about Gold gives us a very dramatic, satirical and times even sympathetic situational drama in the western backdrop of how finding Gold dust and particles had become the way of life for some. It’s dark but probably the closest to what finding gold dust meant literally at the time.

Mackennas Gold

Available on Google Play & YouTube

Mackenna’s Gold

Why is it Golden to Watch:

At the time of the release of this movie Gregory Peck and Omar Sharif were at the peak of their careers and hence created a movie worth watching for years to come. This timeless tale is also set in the Western backdrop and could not have been more entertaining. Some of the characters might seem too eccentric for today’s World but the character ‘the Gold’ played in this movie was quite accurate. The mystical aspect of the movie is also worth watching.

The Italian Job

Available on Amazon Prime Video

The Italian Job(1969)

Why is it Golden to Watch:

The first Italian Job movie had the charming Michael Caine and a concept that was unheard of before, having mini coopers being used for gold bullion heist. While the enigmatic Michael Caine was fun to watch, the stunts carried out in the movie for the time were mind-blowing.

The Italian Job 2003

Available on Amazon Prime Video, Google Play and YouTube

The Italian Job (2003)

Why is it Golden to Watch:

This was also a heist movie with mini coopers, obviously missing Michael Caine but with some of the best names in Hollywood including the leads and veteran actors such as Donald Sutherland and Edward Norton. Equipped with better technology, fancy locations and cool and calculating characters the movie is extremely suave and cool to watch. However, where it fails miserably is in the fact that the stakes in the whole movie for the actors do not seem very severe except being thrown into the river inside a mini-van and surviving it with oxygen masks. It was a little confusing to watch them survive been thrown into the icy-cold river, but we are used to Rohit Shetty movies.

Charlie Chaplin

Available on YouTube and GooglePlay

Charlie Chaplin’s The Gold Rush

Why is it Golden to Watch:

Nothing that can be said about this movie is enough to commemorate the powerhouse performance and story of one of the best Charlie Chaplin movies of all time. While you can watch this movie with your kids, it’s adults who will notice the grim backdrop of the American era of the gold rush, echoing the capitalism that prevails in the country and how this movie is still relevant symbolically even in this day and age.

Raiders of the lost arc

Available on Netflix, Google Play & YouTube

Raiders of the Lost Ark

Why is it Golden to Watch:

It would be unjust to not include this movie in a gold list despite a very small subplot about a gold statue in this movie because of the magnificence of striking gold when comes to an adventure movie. Harrison Ford as Jones and movie made by Speilberg and Lucas could not have been more fun to watch although some visual effects may not seem as cool as they used to seem.

What is common in all these movies is the fact that Gold is precious and people will do anything to get it.

Thankfully that is not the case at current times. You can simply buy Gold online without having to strain a river stream or plan a heist. No hiring muscles or fancy cars to get 24K Digital Gold. What’s more? You don’t have to even worry about the security of your Gold as MMTC-PAMP’s gold custodian service takes care of your Gold with their free lockers.

Buying Gold During Akshaya Tritiya is a great idea

Akshaya Tritiya blog post

An Auspicious Akshaya Tritiya with Gold

Akshaya Tritiya is a fascinating festival in the Hindu and Jain calendar due to its spiritual significance in these communities. In the next few minutes, we will be exploring and examining the significance of this festival and how can we relate it to Gold. While the backstory may be speculated by some, there are some significant relatable details about this festival that may give us a better idea, why Hindu and Jain communities believe that this is a good time for starting something new or crucial in life.

Akshaya Tritiya and the Significance of Gold

The word ‘Akshaya’ means ‘neverending prosperity’, in fact in some versions of the meaning of this word, has a meaning closer to the significance of Gold in particular. This meaning says, ‘non-corrosive’ and that’s how the neverending aspect of Gold is articulated to Gold. Gold is the most non-reactive metals in the periodic table, which makes it last longer than any other metals in it’s purest state.

A day that has an aspect of invincibility and a metal that last centuries and millennials along with the significance of prosperity with both the day and Gold being a sign of prosperity make it a perfect combination shows us the significance of this day and gold.

The second word ‘Tritiya’ means the third day of prosperity, considering it one of the most powerful days to pray to conduct Hindu rituals for prosperity. While rituals and prayers are in today’s world are a debatable subject but Hindu calendar’s existence for thousands of years shows that it indeed has some spiritual energy making it an auspicious day for starting something new or better an investment. Gold is never-ending though gold-ores are limited and that is what makes Gold a great investment opportunity during Akshaya Tritiya. An ageless investment made on a day intended for invincible prosperity. 

Gold is significant both scientifically and spiritually

While spirituality is debatable in the era where science and Math dictate our decisions, it is a scientific fact that positive energy has a positive outcome.

For example:  A study conducted to test the effect of music on water molecules might give us a better understanding. According to the study water molecules are aggressive with music such as metal and rock whereas with soft and classic music water molecules are calmer and less active.

Likewise on a day that is filled with people’s positive energy through belief regardless of the religious significance is a good day to start your story of ‘never-ending prosperity’. 

Gold has proven to be one of the most lasting and stable signs of prosperity throughout the recorded history of mankind. In time, when mankind is facing an act of disciplining by Nature through diseases, questioning humankind of their unending greed, Gold remains to be something untouched, perhaps because of its non-corrosive superpowers and mankind’s faith in this metal or the simple fact that it doesn’t rust.

Gold embodies the spiritual significance of undying prosperity literally scientifically and through the test of time which clearly confirms it to be a good idea to invest in Gold.

Buying Gold is now easier than you think

Let’s face it, we are no Indiana Jones and we aren’t Lara Croft searching for treasure in ancient tombs. However, in current times, the possibility of becoming Lara Croft is higher than going to the store and buying Gold during the lockdown. Digital Gold is your answer to invest on Akshaya Tritiya despite the situation around us. It’s online Gold, that you can buy, sell and even track prices online. In fact, if you buy Digital Gold on Finity app, you get a free and secure locker from MMTC-PAMP’s providing gold custodian services. 

So, not just is our gold investment made on an auspicious day filled with positivity and good spiritual energy but also it is secured physically in our Gold accounts so that we can stay at home concentrating on the other Gold we often overlook at home… ‘family’.