Gold has once again crossed the ₹1 lakh mark per 10 grams, making headlines across financial news. While this may seem like a steep entry for many, modern investment options allow you to start with as little as ₹100, making gold accessible to small investors.
Why Invest in Gold?
Hedge Against Inflation – Gold preserves purchasing power during economic volatility.
Portfolio Diversification – Reduces overall risk when combined with stocks, bonds, and other assets.
Liquidity – Easy to buy, sell, or redeem digitally.
Safe Haven – Historically stable and in demand during market uncertainties.
How to Invest in Gold with Just ₹100
1. Digital Gold
Buy gold online through apps like Paytm, PhonePe, or Google Pay.
Minimum investment: ₹1–₹100.
You own physical gold equivalent, stored securely by the provider.
Can be redeemed as physical gold or sold digitally anytime.
2. Gold ETFs (Exchange-Traded Funds)
ETFs represent units of gold held by a fund.
Tradeable on stock exchanges, minimum investment: cost of 1 unit (~₹100 or more depending on price).
Taxation: Long-term capital gains taxed at 20% with indexation if held >3 years.
3. Sovereign Gold Bonds (SGBs)
Issued by Government of India, earn interest of 2.5% per year in addition to price appreciation.
Minimum investment: 1 gram of gold (~₹5,000–₹6,000 currently), but digital fractional options may allow smaller amounts.
SGBs mature in 8 years, providing steady returns.
4. Gold Mutual Funds
Invest in gold ETFs via mutual fund platforms.
Some funds allow SIP with ₹100 per month, ideal for beginners.
Tips for Small Investors
Start Small, Stay Consistent – Even ₹100 monthly can grow significantly over time.
Prefer Digital Options – Safe, convenient, and reduces risk of theft.
Diversify – Combine ETFs, SGBs, and digital gold for balanced exposure.
Track Market Trends – Avoid panic buying when prices spike.
Conclusion
Gold crossing ₹1 lakh per 10 grams may seem daunting, but modern financial instruments make it accessible even to small investors with ₹100. By leveraging digital gold, ETFs, and SIPs, anyone can gradually build a secure and diversified gold portfolio.
FAQs
Q1. Can I invest in gold with less than ₹100?
Yes, some digital gold platforms allow investments as low as ₹1.
Q2. Is digital gold safe?
Yes, it is stored securely by licensed custodians and can be redeemed anytime.
Q3. How do gold ETFs differ from digital gold?
ETFs are market-traded units, while digital gold represents physical gold ownership.
Q4. Do Sovereign Gold Bonds pay interest?
Yes, SGBs pay 2.5% per year in addition to gold price appreciation.
Q5. Which is best for beginners?
Digital gold or a small SIP in gold mutual funds is ideal for starting with minimal investment.
Published on : 25th September
Published by : SMITA
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