Buy Gold for Just Rs85 – Invest Safely Through Government-Backed Schemes

In India, gold is more than just a precious metal—it’s a deep-rooted symbol of tradition, security, and prosperity. From weddings and festivals to savings and investments, gold has always played a vital role in Indian households.

Understanding this cultural and financial importance, the Government of India has launched several gold purchasing schemes aimed at making gold investment safer, smarter, and more accessible—even for as little as ₹85.

What Are Government-Registered Gold Purchasing Schemes?

These are regulated investment avenues offered directly by the Government of India or through authorized entities like public sector banks, post offices, and certified online platforms. The schemes allow you to invest in gold without needing to physically store it, ensuring maximum security and transparency.

With government backing, your investments are safe, digital, and often come with additional benefits like interest earnings or tax savings.

Why These Schemes Were Introduced

The main objectives behind these initiatives include:

• Reducing physical gold imports and improving India’s trade balance.

• Encouraging digital gold investment to avoid risks associated with physical storage.

• Offering assured returns through interest-earning instruments like Sovereign Gold Bonds (SGBs).

• Promoting financial inclusion by allowing even small-ticket investments from ₹85 onwards.

Popular Government-Backed Gold Investment Options

Sovereign Gold Bonds (SGBs)

Issued by the RBI, these bonds represent grams of gold and offer 2.5% annual interest, in addition to price appreciation. They eliminate storage hassles and are redeemable at current market prices.

Gold Monetization Scheme (GMS)

Deposit your idle gold (in jewelry, coins, etc.) and earn interest while your gold is refined and reused. It supports circular use and reduces new imports.

Indian Gold Coin Scheme

Features high-purity gold coins engraved with the Ashoka Chakra. These are certified by BIS and come in tamper-proof packaging—ideal for gifting or investment.

Digital Gold

Offered by RBI-registered digital platforms and select banks, digital gold lets you buy small quantities (as low as ₹85). Stored securely in vaults, it can be sold anytime or converted to physical gold.

Full Name

Mobile Number

Aadhar Number

PAN Card Number

Annual Family Income (₹)

Residential Address

Register Now

How to Register & Who Can Apply

To invest, you must:

• Be an Indian resident as per FEMA guidelines.

• Hold valid documents like Aadhaar, PAN, and a bank account.

• Register through authorized banks, post offices, or online platforms approved by the RBI or Ministry of Finance.

KYC verification is mandatory. Once done, you can subscribe to the schemes during the issue period or continuously (depending on the product).

Benefits of Investing in Government Gold Schemes

• Security: Your money is protected under sovereign guarantees.

• Earning Potential: Products like SGBs offer interest payouts in addition to capital gains.

• Tax Benefits: Long-term holdings in SGBs offer capital gains tax exemption.

• Liquidity: Many schemes are easily tradable or redeemable.

• Fair Pricing: All prices are benchmarked with IBJA market rates, ensuring transparency.

Points to Consider Before You Invest

• Market Risks: Since returns are linked to gold prices, fluctuations may affect value.

• Lock-in Periods: For instance, SGBs have an 8-year maturity (with early exit options).

• Digital Literacy: Some schemes require access to online platforms or mobile apps.

• Fixed Returns: Interest may be lower than other high-yield investments.

Growing Popularity of Gold Schemes

These schemes are increasingly popular, especially among urban investors and millennials seeking secure, digital-friendly investments. Digital gold, in particular, has become a favorite entry point for new investors.

What’s Next?

The government continues to innovate—improving access, offering better rates, and even exploring UPI integration and mobile-based gold apps to bring these schemes to every corner of India.

Final Thoughts

Whether you’re a traditional gold buyer or a modern investor, government-registered gold schemes offer a safe, smart, and rewarding way to invest—even starting at just ₹85. With benefits like interest income, tax savings, and zero storage hassle, now is a great time to explore this golden opportunity.