Buy & Sell Digital Gold & Silver
Purchase 100% pure 24K certified precious metals instantly with complete transparency and bank-grade security.
Rates are locked at checkout. GST invoice generated automatically.
How PMJ DIGITAL GOLD works
From your first ₹100 to gold in your hand — four simple steps
Create your account
Sign up with your mobile number and complete a quick, secure KYC — takes under two minutes.
Buy at live rates
Pay by UPI, net banking or card. Your rate is locked at checkout and gold is credited to your vault balance.
Grow & manage
Track your holdings in real time, automate monthly SIPs, or gift gold to family for every occasion.
Redeem your way
Take insured home delivery of coins and bars, or sell settled metal back at the live buy-back rate and receive it in your bank account.
PMJ Gifting
Give gold that keeps growing
Fund a birthday, a wedding or a new baby with 24K digital gold — or hand over grams already in your vault. They open it with one link, and pay nothing.
- A sealed gift card with your message, opened in one tap
- Gifts sent to a PMJ mobile number are locked to that account
- Never claimed? Send the metal back to your own vault
Birthday
For
Aai
with love, Rohan
Why PMJ GOLD
Trusted since 2016.
24K Hallmarked Purity
Every gram is BIS-certified 999 purity, assayed and stored in insured vaults.
Instant Live Rates
Transparent pricing refreshed every 60 seconds from international spot markets.
Home Delivery or Redeem
Convert your digital balance into coins and bars, delivered to your door.
What is Digital Gold?
Digital gold is real, physical 24K gold that you buy by the rupee instead of by the jewellery piece. Every gram you purchase with PMJ GOLD is backed by allocated, hallmarked metal stored in insured vaults — you own it from the first ₹100, with no jeweller's making or wastage charge and no locker at home.
Think of it as a gold savings account: top it up whenever you like, watch it grow with live market rates, and redeem it as coins, bars, a bank payout — or keep it as a long-term family asset.
Digital gold vs. physical jewellery
One account, every way to gold
Buy & Sell 24K Gold
From ₹100 upwards, at rates refreshed every 60 seconds. Sell back any time at the day's buy-back rate.
Gold SIP
Set a fixed monthly amount and let disciplined saving build your gold balance — pause or stop whenever you like.
Silver 24K
Don't ignore silver — trade hallmarked pure silver digitally at the same all-inclusive, GST-invoiced pricing.
Coins & Bars
Convert your digital balance into 1g–50g hallmarked coins and bars, delivered insured to your doorstep.
Fine 24K purity
Minimum starting amount
Live rate refresh
Serving since - 2016
All metal stored in insured, audited vaults · Every purchase carries a GST invoice · PMJ GOLD PVT LTD
Frequently Asked Questions
Is my digital gold safe?
Yes. All metal purchased is physically allocated, insured and stored in audited vaults. PMJ GOLD PVT LTD has been serving customers since 2016.
Can I take physical delivery?
Yes. Choose any coin or bar from the delivery catalogue on the fees and charges page — 0.5 g Coin or 5 g Coin upwards — once your settled balance covers the metal. Minting and insured delivery charges are billed separately and are never taken out of your gold balance.
What is the minimum I can invest?
₹100. The same ₹100 floor applies to one-off buys and to gold SIP instalments. Selling has no rupee floor worth mentioning — you can redeem down to a fraction of a gram.
How is the price worked out?
We start from the international spot price, apply our published margin, making charge and 3% GST, and refresh the rate every 60 seconds. The rate you see is locked when your order is created at checkout.
Why is the sell rate lower than the buy rate?
Because 3% GST on your purchase is paid to the government and never comes back, and the rest of the gap — currently about 6.7% on gold — pays for insured vault storage, the trustee and hedging, and payment handling. So ₹10,000 of gold bought today is worth roughly ₹9,330 if sold immediately. Digital metal is a medium to long-term holding, not a daily trade. Every number is published on the fees and charges page.
Can I sell back anytime?
Once your metal has settled — purchases become redeemable 24 hours after they are credited, and your dashboard shows the exact unlock time for each lot. After that, sell at the published buy-back rate and the payout lands in your registered bank account within the window shown on the order, with the UTR reference shared with you.
Do I get a GST invoice?
Every purchase generates a GST-invoiced receipt automatically, and you can download it from the transaction ledger as a PDF.