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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 63,750 employees, the businesses of ABCL have a nationwide reach with over 1,712 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,712
No. of Employees
63,750+
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 5.50 Lakh Cr
Consolidated Lending Book
INR 1.78 Lakh CrCorporate Governance Policies
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Experience ConseQuest- A game where your decisions drive your future.
Wisdom in Choices
Buy Digital Gold
- Flexible redemption in cash & physical gold at the live Digital Gold price.
- 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 digital gold and store it safely without the hassle of physical storage. When you opt for a digital gold investment, you own actual gold that is securely stored in vaults.
Each purchase is backed by 24-karat gold with 999.9% purity, ensuring you receive genuine value for your investment. The digital format eliminates traditional concerns like making charges, wastage fees, and security risks associated with physical gold ownership. Your gold holdings are tracked electronically with complete transparency, and you can monitor the real-time digital gold price to make informed investment decisions whenever you want.
Top Benefits Of Digital Gold
Affordability
Start investing with ₹10
Easy to Hold and Store
Securely stored in vaults
Easy Liquidity
Buy and sell easily
Hedges Against Inflation
Protect your wealth from inflation
Instant Transactions
Buy and sell within seconds
No Making Charges
Pay only for pure gold
Portfolio Diversification
Stability to your investment mix
Real-Time Price Transparency
Track live Digital Gold price
Gift Options Available
Send gold gifts instantly
Tax Efficiency
Enjoy capital gains benefits
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 and enter the amount which you decided for your Digital Gold investment.
- Complete the payment and Track your investment in the ABCD App
Sell Digital Gold
- Check Digital Gold price today and decide the quantity you wish to sell.
- Provide your bank details where you want sale proceeds to be credited.
- Provide your bank details where your sale proceeds will be credited
- 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.
Redeem Digital Gold
- Choose the option of the product which you want to redeem.
- Check and confirm the redemption request and proceed to redeem your Digital Gold investment.
- Pay the making charges that will be associated with the product that you have chosen to deliver.
- Once your payment is completed and the redemption is successful, the product will be sent to your given address by a 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
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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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, with complete transparency linked to the live digital gold price.
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.
Understanding Digital Gold
How to Invest in Digital Gold?
Getting started with digital gold investment is simple and convenient.
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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. You can buy digital gold at the live digital gold price directly through the ABCD app.
What are the Features of Digital Gold?
Here are some of the top benefits of choosing a digital gold investment:
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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. The ABCD app is considered one of the best apps to buy digital gold in India.
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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.
Returns on 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.
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Market-Linked Growth: Your returns depend directly on the digital gold price, which fluctuates daily in line with global trends.
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Inflation Protection: Gold has historically safeguarded wealth by maintaining its value even during rising inflation.
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Transparent Pricing: You always invest or redeem at the live digi gold rate today, ensuring fair and transparent valuation.
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Long-Term Stability: Digital gold offers steady long-term growth potential, making it a dependable asset for diversification.
Who Should Invest in Digital Gold?
A digital gold investment is suitable for a variety of investors, especially those looking for transparency and flexibility aligned with the digital gold price.
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 digital gold 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?
The tax treatment of Digital Gold depends on how long you hold your investment, and its value is always linked to the digital gold price. Whether you choose to buy digital gold online for short-term gains or long-term wealth planning, taxes apply as below:
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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 |
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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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.
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.
Yes, opting for physical delivery of your digital gold in India involves additional charges. These may include delivery fees, packaging costs, and insurance charges. The exact fees depend on the quantity ordered and your delivery location. All charges will be clearly communicated before you confirm your delivery request when you buy digital gold online.
Yes, there may be nominal transaction fees when you sell your digital gold. The charges generally depend on the amount being sold and current market conditions. Typically, these fees are a small percentage of the transaction value and will be clearly displayed before you confirm your sell order. This ensures complete transparency for your digital gold investment.
Delivery orders can usually be cancelled or modified within a short timeframe, often within 24 hours of placing the request. Once the gold manufacturing and packaging process begins, cancellation may not be possible. If you need changes, it’s best to contact customer support immediately. This ensures a smooth and secure experience for your digital gold investment in India.
Yes, you can request physical delivery when you buy digital gold and accumulate enough value. Your digital holdings can be converted into gold coins or bars based on the quantity purchased. Minimum redemption limits may apply, but this feature ensures that your digital gold investment is always backed by real gold.
You have complete flexibility to sell your digital gold investment partially. You can sell any amount, whether it’s ₹10 or your entire holding. This partial selling option makes digital gold in India a convenient choice for managing your cash flow without disturbing your full investment.
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.
There are several methods of digital gold investment – you can make one-time purchases, set up a gold SIP, or gift gold to others. Aditya Birla Capital makes it easy by guiding you on how to buy digital gold online.
With digital gold investment in India, you can sell starting from as little as ₹10 worth of gold. This flexibility allows you to liquidate small portions of your holdings as per your financial needs without selling your entire investment. Whether you plan to buy digital gold online or sell it, you always have full control over the amount.
The gold bought through Aditya Birla Capital Digital Gold is 24 Karat with 999.9% purity.
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.
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.
• Gold Exchange Traded Funds (ETFs)
• Gold Mutual Funds
• Gold Futures Contracts
• Buy Sovereign Gold Bonds
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.
Gold purchased through SIP will typically be credited to your account within two days of the scheduled SIP date.javascript:void(0);
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