A gold mutual fund lets you invest in real gold — without jewellery, lockers, or theft risk. Your grams grow every day. 0% GST. No lock-in. SEBI regulated.
In India, most families buy gold as jewellery — or store gold coins at home or in a locker. A gold mutual fund is a different way to own gold. Simpler, safer, and without the hassle.
Here's how it works: thousands of investors put their money into a pool. A professional fund manager takes that pool and buys gold on everyone's behalf. Each investor owns their share of the gold — tracked in grams. You can see exactly how many grams you own, anytime.
You don't receive physical gold. But that's actually better — no storage, no locker rent, no risk of theft, and no making charges when you buy or sell. When you want your money back, the fund sells your gold share and credits the rupee value to your bank account in 2–3 days.
Think of it this way: instead of keeping gold in your almirah, you keep it in a government-regulated vault that you can access anytime from your phone. Your grams are always yours.
This is what you see on Pyllar — not in fund units or NAV values.
1.32gm means you own 1.32 grams worth of gold value.
And even when gold price dips for a few days, your gram count never drops —
it only grows as you keep investing.
There are four ways to own gold in India: jewellery, physical gold/coins, digital gold, and gold mutual funds. Here's why gold mutual funds come out on top for everyday investors.
No locker rent. No fear of theft. No need to insure. Your gold stays safe in regulated vaults.
Physical gold and digital gold attract 3% GST. Gold mutual funds are financial instruments — 0% GST. On ₹10,000, you save ₹300.
Physical gold needs at least ₹5,000–₹10,000. Gold mutual funds via Pyllar start at just ₹21/day.
No lock-in. Sell your gold mutual fund units anytime — money in your account within 2–3 working days.
No making charges (jewellery has 10–25% making charges that you lose when you sell). You get the exact gold rate.
SEBI and AMFI oversee gold mutual funds. Stronger investor protection than digital gold, which has no equivalent oversight.
On a ₹10,000 gold investment — physical or digital gold takes ₹300 as GST before even investing. That ₹300 is gone. With Pyllar Gold fund, all ₹10,000 goes to work for you, with ₹0 GST. Over 10 years of daily SIP, that difference compounds significantly.
| Feature | Jewellery | Digital Gold | Gold ETF | Gold Mutual Fund (Pyllar) |
|---|---|---|---|---|
| Minimum to start | ₹5,000+ | ₹1 | ₹3,000+ (1 unit) | ₹21/day |
| GST on purchase | 3% | 3% | 0% | 0% |
| Making charges | 10–25% | None | None | None |
| Storage risk | Theft / locker cost | Platform risk | None | None |
| Demat account needed | No | No | Yes | No |
| Regulation | None | Partial | SEBI | SEBI + AMFI |
| Daily SIP possible | No | Some apps | No | Yes — from ₹21/day |
| Withdraw anytime | No (resale needed) | Yes, with fee | Yes | Yes, 2–3 days |
Most gold mutual fund platforms have complex forms and large minimums. Pyllar is built differently — for daily earners who want to invest small and simple.
Open the app, enter your PAN and Aadhaar. Digital KYC takes about 5 minutes. No branch visit, no paperwork. Done once, lasts forever.
Pick how much you want to invest each day — ₹21, ₹50, ₹100, or any amount. You can change it anytime. No minimum tenure.
Link your UPI or bank account. One-time setup — after that, your gold mutual fund investment happens automatically every day without you lifting a finger.
Open the app to see your gold in grams, not just rupees. Your gram count grows every day you invest. Withdraw anytime — money back in 2–3 working days.
Gold mutual funds aren't just for big investors. They work especially well for:
Daily earners — auto drivers, delivery agents, shopkeepers — who earn cash every day
and want to save a little without locking it away for years.
First-time investors who trust gold culturally but haven't invested formally before.
Gold mutual funds are the bridge from "I buy jewellery" to "I invest in gold."
Anyone who's bought digital gold and wants 0% GST and better regulation.
People with irregular income — you can skip a day without penalty and resume when ready.
You don't need to know what a NAV is. You don't need to understand expense ratios. You just need to decide: how many grams of gold do I want to own by the time my child finishes school? Start with ₹21/day and let it grow.
₹21 a day. Your grams grow every day. No lock-in. 0% GST.
The simplest way to own gold in India.
Available on Android · 4.6 ★ rated · AMFI Registered Distributor ARN 341847
