Starting a Gold SIP at Rs 10: Three Apps Making It Possible for Every Indian Investor

Gold has always meant something particular to Indian families. Not just as jewellery or as a financial hedge, but as a signal of seriousness, a way of saying: this is worth keeping. The problem for a long time was that buying gold in any meaningful quantity meant either spending a lot at once or locking into a jeweller’s scheme with limited flexibility. Digital gold SIPs have quietly changed that. You can now build a gold position with Rs 10, automatically, without visiting anyone. Over two crore Indians are already investing in digital gold, and the number keeps growing. The question is which app actually fits the way you save.

What is a Gold SIP?

A Gold SIP works on the same principle as a mutual fund SIP. A fixed amount goes in at a set interval, daily, weekly, or monthly, and it buys however much gold that amount covers at that day’s price. When prices are high, you get less gold. When prices dip, you get more. Over time, this smooths out your average cost. The gold is stored in insured vaults by a certified custodian. You can sell it at the live price whenever you want. It is a system that works best when you set it up and do not overthink it.

1. GoSats

Most savings apps ask you to choose between assets. GoSats does not. The platform launched as a Bitcoin rewards app, meaning users earn Bitcoin automatically on everyday purchases across 250-plus brands. In March 2025, it added a 24-carat digital Gold SIP starting at Rs 10 per day. The result is an app where two things are happening at once: your spending earns Bitcoin, and a scheduled Rs 10 goes into gold every morning, or however you set it up. You are building positions in two assets through a single app, neither of which requires you to decide on the initial setup. That matters more than it sounds. Most investors who intend to diversify never do, because diversification across apps means multiple accounts, multiple logins, and multiple moments of friction where the habit can break. GoSats removes all of that. If gold prices are high and you are wary of lump-sum buying, the SIP builds your position steadily. While it is doing that, your grocery bill is adding to your Bitcoin position. It is, practically speaking, the most efficient use of a savings habit that currently exists for the retail Indian investor. More than a million users are already on it.

Link: https://gosats.io

2. Jar

Jar has a specific idea, and it executes it well. The app reads your SMS transaction notifications, rounds up your daily spending to the nearest amount, and puts the spare change into 24-carat digital gold without you doing anything. You can also set a fixed daily SIP from Rs 10. The gold is 99.5% pure, stored in insured vaults, and you can sell at live prices anytime. Jar has 35 million users, posted a ninefold revenue jump in FY25, and reports that over 95% of its users had never saved formally before joining the app. That last stat is the honest case for Jar: it is built for someone who finds the idea of saving difficult, and it solves that problem by deciding out of it entirely. For someone who wants one thing done simply and reliably, Jar has earned that reputation.

Link: https://www.myjar.app

3. DigiGold

For a lot of people, the hesitation around digital gold comes down to one question: who actually has my gold, and can I trust them? DigiGold has a cleaner answer to that than most. The platform is powered by Amrapali Gujarat, a bullion dealer with over 40 years in the business and a place among India’s top five bullion dealers. The gold is stored in BRINKS vaults, the same custodian used by institutional investors globally, and the platform is accredited by both NABL and BIS. You can buy from as little as Re 1 at live market rates. The SIP starts at Rs 500, with a daily investment option from Rs 20 for those who prefer smaller, more frequent contributions. The gold is 24-carat at 99.9% purity, and once you accumulate enough, you can have it delivered as physical coins or bars anywhere in India. What DigiGold offers that the other two apps on this list do not is a direct line to the bullion trade itself. You are not going through an intermediary that buys gold from someone else. The platform is built by people who have been in the gold business for four decades. For an investor whose primary concern is whether the gold is real and whether it is safe, that lineage matters.

Link: https://www.digigold.com

The Bottom Line

Gold at current prices is not a comfortable lump-sum buy for most people. That is precisely the environment where a SIP makes the most sense, because the whole point is to stop trying to call the market and start building a position regardless of where prices are on any given day. Of the three apps here, GoSats makes the strongest case if you want your savings habit to do more than one thing: gold on a schedule, Bitcoin on your spending, both running in the background. Jar is the right choice if you want the simplest possible gold-only micro-savings product with the largest user base behind it. DigiGold suits the investor whose primary question is about trust and physical backing, who wants a platform with real bullion-industry roots behind it. The common thread across all three is that starting small beats waiting for the right moment. With gold having already run 81% year-on-year, the right moment may well have passed. Rs 10 a day has not.