Gold SIP — Daily Investment from ₹21/day
India's daily gold SIP app — start a gold SIP investment from just ₹21. SEBI-regulated gold mutual funds. 0% GST.
Start Daily SIPWhat is a Gold SIP?
A gold SIP (Systematic Investment Plan) is a method of investing a fixed amount into gold at regular intervals — daily, weekly, or monthly — rather than buying gold all at once. Instead of saving up and buying gold when you feel ready, a gold SIP investment runs automatically on a schedule, building your gold holdings one small purchase at a time.
On Pyllar, a gold SIP investment works through SEBI-regulated gold mutual funds. This is different from digital gold, which is an unregulated commodity that attracts 3% GST on every purchase. Gold mutual funds are financial instruments — there is 0% GST on your investment, they are managed by licensed AMCs, and your holdings are fully transparent at the fund level. Pyllar's gold SIP invests in a handpicked basket of funds from Aditya Birla Sun Life and Nippon India — two of India's most trusted AMCs.
The core idea of a gold SIP is rupee cost averaging. When gold prices are high, your fixed daily amount buys fewer units. When prices dip, the same amount buys more. Over time, this smooths out your average purchase price — you're not trying to time the gold market, you're participating in it consistently.
Gold SIP is distinct from physical gold in one more important way: there is no making charge, no storage cost, no locker fee, and no purity risk. Your gold SIP investment sits in a regulated fund, verified and audited — not in a jewellery box where it could be subject to impurity or loss.
How Gold SIP Works in India
Starting a gold SIP in India through Pyllar takes four steps:
- Set your daily amount — choose any amount from ₹21/day. That's the minimum on Pyllar; most other platforms require ₹500/month.
- Activate UPI AutoPay — Pyllar uses UPI AutoPay to debit your daily amount automatically. No manual transfers, no reminders needed.
- Funds invest in gold — your daily amount goes into Pyllar's curated basket of SEBI-regulated gold mutual funds. These funds hold gold ETFs backed by physical gold held in custodian vaults.
- Gold accumulates in grams — Pyllar shows your holdings in grams, not NAV units. You always know how much gold you own.
You can pause, stop, or redeem at any time. There's no lock-in period. Standard mutual fund redemption timelines apply — typically 2–3 business days for the money to reach your bank account.
Is Gold SIP a Good Investment?
Gold has delivered approximately 13–15% CAGR over the last 10 years in India (as measured by gold mutual fund NAVs — Nippon India Gold Savings Fund and Aditya Birla Sun Life Gold Fund). Over 20 years, gold prices in India have risen more than 10× in rupee terms, driven by a combination of global gold demand, INR depreciation, and gold's role as a crisis hedge.
Gold SIP investment performs well in specific market conditions:
- During inflation — gold historically holds purchasing power when currencies lose value
- During market uncertainty — when equity markets fall sharply, gold often rises or holds steady
- As a portfolio hedge — financial advisors generally recommend 5–15% allocation to gold to reduce overall portfolio volatility
Gold SIP is not designed to replace equity investments — it's a complement to them. It is best suited for investors who want to build a long-term gold position gradually, protect part of their savings against inflation, or save for a specific goal (wedding, education, emergency fund) in an asset that holds value.
Past returns are not indicative of future performance. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.
Want to see how much your gold SIP investment could grow? Try our gold SIP calculator → or compare all gold SIP plans in India →
Understanding Gold Investment
What is Gold SIP?
A Gold SIP lets you invest a fixed amount regularly into a gold mutual fund, helping you average costs and build discipline over time.
Why Gold Funds?
As gold prices move, your fund moves in the same direction, giving you the exposure as investing in physical gold—without the hassle of storage, security, or making charges.
Why Daily SIP?
Daily SIPs make investing affordable and habit-forming, smoothing volatility through frequent averaging and encouraging long-term discipline.
Gold Funds Available on Pyllar
Invest with trusted AMC partners
Aditya Birla Sun Life Gold Fund
Long-term capital appreciation linked to gold prices
- Open-ended Fund of Funds – Gold
- Moves in sync with gold prices
- Growth Plan
Nippon India Gold Savings Fund
Capital appreciation aligned with gold price movements
- Open-ended Gold Fund of Funds
- Moves in sync with gold prices
- Growth Plan
How It Works
Set your daily investment
Choose an amount as low as ₹21 that gets invested automatically every day
Your fund tracks gold prices
As gold prices move, your investment value moves in sync, giving you direct exposure to gold
Build gold exposure gradually
Small daily investments help you accumulate gold units over time without needing a large lump sum
Track and manage easily
See your investment grow, pause or modify your SIP anytime, and redeem when you need
Investment Details
| Fund Name | Category | Risk | Expense Ratio (%) | 1Y Return | 3Y Return | 5Y Return | Fund Size (₹ Cr) | Exit Load |
|---|---|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Gold Fund | Commodities | High | 0.20 | 76.7% | 34.4% | 21.2% | 1,041 | 1% if redeemed within 15 days |
| Nippon India Gold Savings Fund | Commodities | High | 0.13 | 75.2% | 34.1% | 20.8% | 4,545 | 1% if redeemed within 15 days |
Returns are indicative and may vary.
Risk
All market-linked investments carry risk. Gold prices may fluctuate in the short term, returns are not assured, and expense ratios impact long-term returns. However, gold has historically helped stabilize portfolios during periods of economic uncertainty.
Why Gold Still Matters in a Modern Portfolio
Gold plays a unique role in long-term investing
Hedge Against Inflation
Acts as a hedge against inflation, preserving purchasing power over time
Balance Volatility
Helps balance volatility during equity market downturns
Preserve Value
Preserves purchasing power over time
Diversification
Adds diversification to your overall portfolio
Why Choose Pyllar?
Simple & Accessible
- Start investing with just ₹21
- Invest in SEBI-regulated gold mutual funds
- AMFI-registered distributor
- No physical gold to store or manage
- Pause, modify, or stop anytime
- Track your investments with daily updates
- Long-term gold exposure without lump-sum investing
Safe & Regulated
Regulated & Transparent
Pyllar operates under SEBI and AMFI regulations. Your investments are held in your name directly with the respective Asset Management Companies, with all transactions fully visible in your account.
Secure by Design
Funds move directly from your bank to the mutual fund—Pyllar never holds your money. Bank-grade security and industry-standard practices protect your data and investments end to end.
Build Gold Wealth, One Day at a Time
Whether you're investing for stability, diversification, or long-term security, Pyllar helps you make gold investing simple, disciplined, and accessible.
Start ₹21 SIPWondering how Pyllar compares to other daily SIP apps?
Read: Best Daily SIP App in India 2026 — Pyllar vs Jar vs Deciml →