Gold has always been a favorite investment in India. But today, investors can choose between digital gold and physical gold. Which one is better?
Physical gold is what most of us know. It comes in the form of coins, bars, and jewelry. It is tangible, trusted, and can be passed down generations.
Digital gold, on the other hand, is purchased online and stored in a secure vault by the seller. You can buy it through apps like PhonePe, Paytm, or investment platforms. Even one rupee is enough to get started.
The biggest advantage of digital gold is convenience. You can buy or sell it anytime without worrying about safety or storage. You also get the exact market price without making charges.
However, physical gold gives you the satisfaction of ownership. It can be used for personal wear or as a loan security in emergencies.
Both options have tax implications. Holding either for more than three years qualifies for long-term capital gains tax with indexation benefits.
In 2025, digital gold is great for small, regular investments. Physical gold is better if you want something you can hold or use. Choose based on your goals.
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