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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.
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2,00,000+
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INR 5.53 Lakh Cr
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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 convenient way to invest in physical gold. It allows you to buy and store gold digitally, without the hassle of physical storage. When you buy Digital Gold, you own actual gold that is securely stored in vaults.
Top Benefits Of Digital Gold
Affordability
Start investing with as little as ₹10
Easy to Hold and Store
Securely stored in vaults.
Easy Liquidity
Buy and sell gold easily
Hedges Against Inflation
Protect your wealth from inflation
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?
Sign Up to ABCD
Download the ABCD mobile app and register yourself to buy Digital Gold in a few steps.
Enter Amount
Choose and enter the amount which you want to invest to buy Digital Gold
Make Payment
Make the payment & complete your purchase!
Enter Amount/Grams
Choose the amount or grams of Digital Gold you want to sell and confirm the chosen value.
Bank Details
Provide your bank details where you want sale proceeds to be credited
Amount Credit
Once you approve the sale, the gold would be sold instantly at the live price and the amount would be credited to your bank account.
Choose Product
Choose the option of the product which you want to redeem.
Redemption
Check and confirm the redemption request and proceed to redeem your Digital Gold investment.
Making Charges
Pay the making charges that will be associated with the product that you have chosen to deliver.
Amount Credit
Once your payment is completed and the redemption is successful, the product will be sent to your given address by a trusted courier partner.
How to Gift Digital Gold ?
Download and log in to the ABCD app.
Select ‘Gift Digigold Option’.
Enter Gift Details.
Verify and authenticate details.
Enter the recipient's details.
Confirm and Send the gift to your loved one.
Verify and authenticate details.
Enter the recipient's details.
Confirm and Send the gift to your loved one.
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.
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.
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.
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