Digital Gold, a golden revolution in Indian investment: Dr Gupta

 

 

Gold, long revered as a cornerstone of Indian financial planning, is undergoing a profound transformation in how it’s acquired and held, according to CMA (Dr) Shilpi Gupta. The emergence of digital gold, purchased and stored electronically through fintech platforms and mobile apps, is rapidly becoming the preferred choice for a growing number of investors, she notes. Dr Shilpi Gupta highlights convenience as the primary driver behind this shift. “With digital gold, investors are freed from the traditional hassles of visiting a jeweller, verifying purity, or incurring significant making charges,” she explains.

 

The ability to invest any amount, starting from as low as Re1, directly from a smartphone, coupled with secure storage in insured vaults, eliminates concerns about theft and physical storage, she adds. Purity and transparency are also key factors contributing to digital gold’s ascent, according to Dr Gupta. “Most digital gold providers guarantee 24K pure gold, certified and backed by trusted partners,” she states. The direct linkage of prices to real-time market rates ensures investors pay the exact value of the gold, without hidden costs, fostering confidence among tech-savvy individuals. Furthermore, liquidity is a significant advantage aggressively promoted by fintech firms, Dr Gupta points out. “Selling digital gold is as effortless as buying it, allowing for instant conversion back into cash or even exchange for physical gold or jewellery,” she observes.

 

This seamless convertibility and the option to hold gold without physical ownership are highly appealing to many, she notes. From the fintech perspective, digital gold plays a crucial role in financial inclusion, CMA (Dr) Shilpi Gupta emphasises. “It empowers small investors to systematically invest through SIPs, a concept previously challenging to apply to physical gold,” she explains. Its seamless integration with digital payment systems also encourages cashless transactions. While acknowledging that digital gold is not without limitations – particularly regarding evolving regulatory frameworks and the need to choose reputable platforms, Dr Gupta believes its increasing popularity signals a significant shift. “It indicates a change in how people perceive gold—not just as jewellery but as a flexible, technology-driven investment tool,” she asserts.

 

“Digital gold offers all the advantages of traditional gold – safety, value appreciation, and cultural importance – while eliminating most of the drawbacks.” Dr Shilpi Gupta agreeing with industry experts like Rohan Mehra, Head of Digital Investments at Pay Now Fintech, who stated, “Digital gold is not just about convenience, it’s about empowering people to invest in gold without worrying about purity, safety, or liquidity. We see it as the future of gold investing.” For investors, Dr Gupta summarises, “its stability, security, and peace of mind—all in one glittering package.”