India's simplest gold investment app — save from ₹21/day
Invest in gold daily, starting from the cost of a cup of chai. SEBI-regulated gold mutual funds. Your holdings tracked in grams. No storage, no purity worries.
Start Investing in Gold →What makes a good gold investment app?
Not all gold apps work the same way. Here's what separates a genuinely useful gold investment app from a marketing product.
SEBI-regulated products
The best gold investment apps put your money in SEBI-regulated instruments — not unregulated digital gold vaults. SEBI oversight means your investment is governed by India's securities regulator, with defined redemption rights and investor protections.
Low minimums that actually work daily
Many apps claim low minimums but are structured for monthly lump sums. A truly daily gold investment app lets you set a small fixed amount every day — deducted automatically via UPI AutoPay — with no hidden conditions on frequency.
Transparent fee structure
Digital gold apps often charge 3% GST + making charges + vault fees, which add up quietly. Gold mutual fund apps (like Pyllar) have 0% GST and only the fund's expense ratio — disclosed clearly by the AMC. You should know exactly what you're paying before you invest.
Your money stays yours
A good gold app is a distributor — your money goes directly to a licensed AMC or regulated vault in your name. If the app company shuts down, your investment is unaffected. Avoid apps where your money sits in the company's account.
Why Pyllar is India's simplest gold investment app
Start from ₹21/day
Most gold investment apps require ₹100–₹500 minimum. Pyllar lets you start from ₹21/day — less than a cup of chai. Designed for everyday earners, not just high-income investors.
See your gold in grams
Your gold holdings are shown in grams, not just rupees. Watch your gold accumulate day by day — 0.003g today, 1g next month, 10g next year. It's satisfying in a way NAV units aren't.
SEBI-regulated, 0% GST
Pyllar uses gold mutual funds — not digital gold. Gold mutual funds are SEBI-regulated financial instruments with 0% GST (vs 3% GST on digital gold). On ₹10,000 invested, you save ₹300.
What does ₹21/day actually buy you in gold?
Here's how your daily ₹21 adds up in terms of investment — gold accumulated depends on the price when you invest:
In 1 year
₹7,665 invested → approximately 1+ grams of gold accumulated. (Plus any price appreciation.)
In 3 years
₹23,000+ invested → approximately 3+ grams of gold. A meaningful store of value built one day at a time.
In 5 years
₹38,000+ invested → approximately 5+ grams of gold — before price appreciation is counted.
In 10 years
₹76,000+ invested → if gold continues its historical trend, this could be worth significantly more. The habit compounds.
Values are illustrative. Gold prices fluctuate. Mutual fund investments are subject to market risks. Use our Gold SIP Calculator for a more detailed projection.
Safe, regulated, transparent
What you get with Pyllar
- Daily gold investment from ₹21/day
- SEBI-regulated gold mutual funds
- AMFI-registered distributor (ARN 341847)
- Holdings tracked in grams in real time
- 0% GST — vs 3% GST on digital gold
- No lock-in — withdraw anytime
- Your money held by AMC, not Pyllar
- UPI AutoPay — fully automated daily saving
Regulated by the right bodies
SEBI & AMFI regulated
Pyllar operates as an AMFI-registered mutual fund distributor (ARN 341847). Your gold investment goes into SEBI-regulated mutual funds managed by Aditya Birla Sun Life and Nippon India Mutual Fund.
Your money never sits with Pyllar
Money flows directly from your UPI to the AMC. Pyllar is the distributor — your investment is registered with the fund house in your name. This is the same structure used by all SEBI-regulated mutual fund distributors in India.
Questions about investing in gold
For daily gold investment starting from ₹21/day in SEBI-regulated mutual funds, Pyllar is purpose-built for this. Other well-known apps for gold include Groww, Paytm, and PhonePe — each has different products, minimums, and target audiences. The "best" depends on what you need: if you want daily micro-savings in gold mutual funds with gram-level tracking, Pyllar is built for exactly that.
Both track gold prices. Key differences: Gold mutual funds (what Pyllar uses) are SEBI-regulated, attract 0% GST, and are held by licensed AMCs. Digital gold is a commodity you own stored in a vault — it attracts 3% GST on every purchase and is regulated differently. For regular daily investments, the 0% GST on mutual funds can save you meaningful money over time.
1. Download Pyllar from Google Play. 2. Complete one-time KYC (Aadhaar + PAN, takes ~5 minutes). 3. Choose your daily gold amount (minimum ₹21/day). 4. Set up UPI AutoPay — money is deducted and invested automatically every day. Your gold holdings are shown in grams in the app.
Yes. There is no lock-in period. You can stop your daily SIP or redeem your investment at any time. Redemption amount reaches your bank account within 2–3 working days (standard mutual fund redemption timeline).
Pyllar works on Android phones running Android 7.0 (Nougat) and above — compatible with most devices from 2017 onwards. The app is approximately 15 MB. An iOS version is not yet available. You can download it from the Google Play Store.
Your investment is completely safe regardless of what happens to Pyllar. Pyllar is a mutual fund distributor — your units are held by the AMC (Aditya Birla Sun Life or Nippon India) registered in your name. If Pyllar were to shut down, you'd still own your units and could redeem them directly through the AMC or any other mutual fund platform. This is the standard structure for all SEBI-regulated mutual fund distributors in India.
Start building your gold, one day at a time
₹21/day. SEBI-regulated gold mutual funds. Track in grams. No lock-in. India's simplest gold investment app.
Download Pyllar →Explore more about gold investment