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Aditya Birla Capital LimitedAditya Birla Capital Limited (“ABCL”) is a listed systemically important non-deposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 61,600 employees, the businesses of ABCL have a nationwide reach with over 1,690 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,690
No. of Employees
61,600+
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 5.53 Lakh Cr
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Experience ConseQuest- A game where your decisions drive your future.
Buy Digital Gold
- Flexible redemption in cash & physical gold
- Government-backed & trusted partner MMTC PAMP
- Purchased gold stored in secured vaults by partner
What is Digital Gold?
Digital Gold is a type of gold investments, in which you can buy units of gold online. These units are stored in secure vaults free of cost. The purchased gold can be easily sold at any time and redeemed for physical gold of the same quantity. You can start investing in digital gold with just ₹ 11. Digital Gold is offered in partnership with MMTC PAMP.
Top Benefits Of Digital Gold
Affordability
Investing in gold becomes affordable with Digital Gold wherein you can start investing with as little as ₹11.
Easy to Hold and Store
The gold that you buy is stored in secured vaults. This makes it easy to keep the gold in safe custody.
Easy Liquidity
Digital Gold has an advantage over physical gold as it does not involve any making charges and you can buy and sell gold easily.
Hedges Against Inflation
Gold serves as a hedge against inflation and offers attractive inflation-adjusted returns. With Digital Gold in your portfolio, you can get inflation-beating returns.
Why Should You Buy Digital Gold?
| Digital Gold | Gold ETF | Sovereign Gold Bonds (SGB) |
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|---|---|---|---|
| Investment starting from ₹ 10 |  |
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| 24/7 trading at market-linked prices | |
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| Demat account not needed | |
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| No lock-in period | |
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| Indexation and tax benefits | |
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| Stable interest earning | |
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How does Digital Gold Works?
Buy Digital Gold
Download the ABCD App and register yourself- Go to invest section and click on digi-gold tile
- Choose or Enter the amount you want to invest to buy Digital Gold
- Complete the payment and Track your investment in the ABCD App
Sell Digital Gold
- Choose the amount or quantity of Digital Gold you want to sell
- Confirm the chosen value for sale with the live price
- Provide your bank details where your sale proceeds will be credited
- Approve the sale and the amount would be credited to your bank account
Redeem Digital Gold
- Choose the option of the Products against which you want to redeem
- Check and confirm the redemption request to proceed with your digital gold investment
- Pay the making charges that will be associated with the product that you have chosen to deliver
- Upon payment confirmation, receive your product at your given address by the trusted courier partner
Gift Digital Gold
- Login to ABCD App and select "Gift Digital Gold"
- Enter Gift information and authenticate the details
- Enter the recipient's details and send the gift to your loved ones with a personalized note
- Confirm the details and complete the payment
Digital Gold SIP
- Choose your Digital Gold SIP as low as Rs 50 per week
- Pick your frequency - Weekly/Monthly
- Set the payment frequency and forget it. ABCD handles auto-payments for Digital Gold Purchase
- Track and Redeem any time after 72-hour Lock-in
Digital Gold SIP Now on ABCD App!
Digital Gold SIP Now on ABCD App!
Grow Your Wealth, One Step at a Time
Introducing SIP in Digital Gold on the ABCD App - the simplest way to build your gold savings, starting from just ₹50. Plan for your goals, invest regularly, and watch your wealth grow over time - automatically and securely.
Why Choose Digital Gold SIP?
- Begin your digital gold journey with just ₹50 per SIP — no large sums needed upfront.
- Set it once, and we’ll handle the rest. Your digital gold SIPs run on autopilot at your chosen frequency.
- Save consistently with digital gold investments for life goals — weddings, education, festivals, or long-term wealth.
- Digital gold investment SIPs help average out gold prices over time, reducing the impact of price fluctuations.
- 100% pure 24K gold (999.9 purity), securely stored in insured vaults by MMTC-PAMP.
- Redeem anytime after 72 hours — either in cash or physical gold.
Why Trust MMTC PAMP
Globally accredited refiner
MMTC PAMP boasts of being India’s sole internationally accredited refiner and fabricator having more than 50 years of global leadership.
Authentic gold
The company refines and fabricates 999.9 pure gold coins and bars. Each purchase of digigold is backed by equal physical gold stored in secured vaults by MMTC PAMP.
Government-backed
MMTC PAMP is a joint venture between the Indian government and PAMP S.A. of Switzerland.
Purity
The DigiGold that you buy is 24 Karat 999.9% purity, which is gold in its purest form.
Safe storage
The DigiGold bought is stored safely by MMTC PAMP in a secured vault.
ABCD - One app to build a diversified investment portfolio
Invest in equity stocks or other securities listed on the market with the ABCD app. Get a completely convenient digital platform to trade effectively.
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Invest in Digital Gold: Buy and sell gold easily -
Trade Stocks: Invest in a variety of stocks
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Explore Other Investments: Access a range of investment options.
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Understanding Digital Gold
How to Invest in Digital Gold?
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Download the ABCD App: Download the app from the App Store or Google Play Store.
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Create an Account: Register with your basic details.
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Go to Investments: Select the “Investment” option.
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Buy Digital Gold: Choose the amount and complete the payment.
What are the Features of Digital Gold?
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Digital Ownership: Purchase gold in a digital format, without physical possession.
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Affordability: Invest in gold in small quantities, making it accessible to a wider range of investors.
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Easy Redemption: Convert your digital gold into physical gold whenever you desire.
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Real-time Pricing: Buy and sell gold at prevailing market rates, ensuring transparency.
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Secure Storage: Your digital gold is stored securely in a digital vault, eliminating concerns about physical storage
What is the Minimum and Maximum Investment Required for Digital Gold?
Option 1:
● Minimum Investment: As low as ₹10
● Maximum Investment: Up to ₹1 lakh
Option 2:
● Flexible Investment: Invest in digital gold with a minimum of ₹10 and a maximum of ₹1 lakh, tailored to your budget.
Option 3:
● Invest for Everyone: Digital gold is accessible to all, with a minimum investment of just ₹10 and a maximum of ₹1 lakh.
What is the tax implication of Digital Gold?
The returns on digital gold depend on the price of gold in the market. Historically, gold has been a good hedge against inflation.
Who Should Invest in Digital Gold?
Option 1:
● Investors seeking portfolio diversification.
● Individuals looking to hedge against inflation by adding gold to their portfolio.
● Those with a limited investment budget and want to start small.
● Individuals who prefer a hassle-free investment experience for buying gold.
Option 2:
● Dream of owning gold? Start small, dream big! Digital Gold makes gold ownership accessible to everyone.
● Shield your wealth from inflation. Gold has been a proven hedge against inflation for centuries.
● Diversify your portfolio the smart way. Add a touch of gold to your investment mix.
● Say goodbye to hefty charges. Invest in pure gold, hassle-free.
What is the Tax Implication of Digital Gold?
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Short-term Capital Gains Tax: If you sell your Digital Gold within 36 months, you'll be taxed at your income tax slab rate.
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Long-term Capital Gains Tax: If you sell your Digital Gold after 36 months, you'll be taxed at 20.8%.
Digital Gold vs Physical Gold
Here are the differences between physical gold and digital gold:
| Feature | Digital Gold | Physical Gold |
| Storage | Secured vaults | Physical storage |
| Liquidity | Easy to buy and sell | May involve physical transportation |
| Security | Protected by digital security measures | Risk of theft or damage |
| Affordability | Can invest in small amounts | Higher initial investment |
| Transparency | Real-time pricing | Price may vary depending on the seller |
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FAQs on Digital Gold
Yes, digital gold represents real gold and is backed by a physical asset stored in secure vaults.
Yes, you can gift gold to someone else. The recipient will receive a digital gift card, which they can redeem for digital gold.
If the recipient doesn't have a digital wallet or account, they can create one easily on the Aditya Birla Capital Digital app.
It can be a good investment as it offers potential returns in the form of gold price appreciation. However, it's important to consider factors like inflation and market volatility.
Yes, you can convert your Digital Gold to physical gold. ABCDL allows instant redemptions and converting Digital Gold to physical gold via redemption options available on the ABCD App.
Digital Gold falls under the regulatory grey zone and does not come under the purview of any financial sector regulator. Digital Gold is said to have a self-regulatory audit and diligence mechanism.
Since your actual gold is stored in a secure vault and all the related data is safely recorded online, you need not worry about your digital gold investment being affected in the event of losing your smartphone.
Anyone eligible to open a bank account in India can typically buy this type of gold for investment purposes.
Digital Gold can be bought from online platforms, financial institutions, websites of entities which offer Digital Gold. ABCDL allows you to buy Digital Gold through its mobile application in some simple steps.
The price fluctuates based on the real-time price of gold in the market.
Yes, it can be a good investment, especially for those looking to diversify their investment portfolio.
The gold bought through Aditya Birla Capital Digital Gold is 24 Karat with 999.9% purity.
Yes, the price includes GST.
You can find your balance and past purchase details on the Aditya Birla Capital Digital app.
You can find the invoice for your past purchases on the Aditya Birla Capital app or website.
Your PAN card will be required while selling or gifting of DigiGold. Additionally any purchase over ₹10,000 will require your PAN card to add an extra layer of authentication.
Aditya Birla Capital is a reputable platform that allows investors to digitally purchase and store gold from MMTC-PAMP, one of the leading refiners of the world.
The live gold price changes frequently, often multiple times a day. It is influenced by various factors, including global economic events, and market demand and supply.
There may be limits on the quantity you can purchase in a day. These limits can vary depending on the platform and regulatory guidelines.
You can typically use various payment methods, including debit cards, and net banking.
Minors cannot directly buy gold. However, a legal guardian can buy it on their behalf.
• Gold Exchange Traded Funds (ETFs)
• Gold Mutual Funds
• Gold Futures Contracts
• Buy Sovereign Gold Bonds
ABCDL allows you to buy Digital Gold with a minimum investment of ₹10. There is, however, no maximum amount of investment. You can invest as much as you want to.
Gold is preserved safely in a secure vault by our partner MMTC PAMP when you purchase it digitally.
You can sell it through the Aditya Birla Capital digital app or website.
No, there is no lock-in period for selling it.
The time it takes to receive the money in your bank account can vary, but it's typically within 48 hours.
The difference between the buying and selling prices is due to various factors, including transaction costs and market dynamics.
This allows you to gift digital gold to your loved ones.
Yes, you can gift or transfer it through the ABCD app.
No, you cannot gift it internationally.
Yes, you can typically exchange or liquidate your digital gold gift. The process may vary depending on the platform, but generally, you can sell it back to the platform or convert it into physical gold.
ABCD does not charge any fee for gifting digital gold.
The value is determined by the current market price of gold.
If the recipient doesn't want the gift, they can sell it or hold onto it for future use.
Yes, many platforms allow you to convert your digital gold into physical gold. However, there may be fees and delivery charges associated with this process.
Tax implications can vary depending on tax laws. It's advisable to consult with a tax professional to understand the specific tax implications that are applicable to you.
It is generally secure as it involves storing gold in secure vaults.
It can help the recipient build wealth over time as gold is a valuable asset. However, the value of the gold will depend on market forces, which can determine its long-term value.
You can usually track it through the platform's website or mobile app. You can monitor the current value of the gift and any changes in its value over time.
A Gold Systematic Investment Plan (SIP) enables you to invest a fixed amount at regular intervals (weekly/monthly) to accumulate gold over time. This helps you systematically build your gold portfolio while reducing the impact of price fluctuations.
AutoPay is a feature that allows automated payments for your Gold SIP, ensuring timely investments without manual intervention. Once set up, you won’t have to worry about missing your scheduled contributions.
● Start small – Begin investing with as little as ₹50 per week.
● Rupee-cost averaging – Your fixed investments help you buy more gold when prices are low and less when prices are high, reducing the impact of short-term fluctuations.
● No lock-in period – You have the flexibility to pause, stop, or redeem your gold at any time, either by selling it or opting for home delivery.
Your Gold SIP remains active for five years. However, you have the option to pause or discontinue it at any time during this period.
The gold will be purchased at the buy price applicable at the time when the payment is successfully received from your bank for the scheduled SIP instalment.
It could be due to any one of the following reasons:
Your account balance is not enough for the payment.
You’ve reached the daily/monthly amount limit set by your bank.
Your bank account is inactive or invalid.
Your bank is facing some technical issues.
To delete your Gold SIP,
Tap on ‘View all SIPs’ on the digital gold home screen.
Click on the SIP that you wish to remove/delete
Tap cancel SIP, select the reason and click on proceed to cancel.
Yes, it’s a smart, low-risk way to invest gradually in 24K gold, helping you build wealth consistently without worrying about market timing.
Absolutely. You can modify your SIP amount or frequency anytime through the ABCD App giving you full flexibility based on your goals or budget.
The mandate lets us auto-debit your account as per your SIP settings. Daily SIP means investing in small amounts every day, ideal for disciplined saving.
Currently, SIPs are based on rupee value. However, your gold holdings are reflected in grams once purchased, so you still accumulate gold over time.
ABC Of Money
• Offer Applicable only on the 1st Transaction during the offer period from October 21 to November 4, 2024
• Minimum purchase transaction (single) of Rs. 5000 worth of Digital Gold to be eligible for the offer
• Customers making their first ever Digital Gold transaction on the ABCD app are eligible for 5% back as ABCD coins
• All other customers are eligible for 1% back on their first transaction during the offer period.
• Offer applicable for the first 10,000 eligible customers during the offer period. • Each eligible customer will receive a maximum of 1000 ABCD coins.
• ABCD coins will be credited within 72 hours of the eligible transaction