Digital gold, asli sona ya gold ETF: kya lein?

Aajkal app pe ₹10 ka bhi "digital gold" mil jaata hai. Par kya ye asli sone jitna surakshit hai? Teeno tareeke samjhein.

1. Asli sona (coin, bar, gehna)

Haath mein sona, kisi company pe bharosa nahi. Lekin chori ka dar, locker ka kharcha, aur gehne pe making charge lagta hai.

2. Digital gold

Company aapke naam se vault mein sona rakhti hai. Chhoti rakam se shuru kar sakte hain. Lekin SEBI ne November 2025 mein chetavni di thi ki digital gold uske niyamon ke daayre mein nahi aata, isliye company mein gadbad hui toh investor ko SEBI se suraksha nahi milegi. Kharid aur bikri ke daam mein fark (spread) aur GST bhi lagta hai.

3. Gold ETF / Gold mutual fund

Ye stock exchange pe chalte hain aur SEBI ke niyamon ke andar hain. Demat account chahiye (ETF ke liye). Making charge ya locker ka kharcha nahi, par fund ka chhota salana kharcha hota hai.

Kaun kya le

Pehnna hai: gehna. Lambi bachat, surakshit tareeke se: gold ETF ya 24K coin. Digital gold: sirf chhoti rakam, aur SEBI ki chetavni dhyan mein rakh ke.

Ye jaankari sirf samajh ke liye hai, nivesh ki salaah nahi. Bada nivesh karne se pehle kisi certified financial advisor se baat karein.