Pyllar invests in a handpicked basket of SEBI-regulated gold mutual funds — so you don't have to pick. Start from ₹21/day. Zero GST. No lock-in.
No fund research. No NAV tracking. No spreadsheets. Just set ₹21/day and watch gold accumulate.
Choose anything from ₹21/day upward. Less than your morning chai. Your money moves automatically every day.
We invest in a handpicked selection of top-performing SEBI-regulated gold mutual funds. You don't need to pick a fund.
See your holdings in grams — not just rupees. Your gram count only ever goes up as long as you keep saving.
No lock-in. Pause, stop, or withdraw whenever you need. Your money stays yours.
Most gold SIP plans make you choose one fund. Pyllar spreads your daily investment across a curated basket of gold mutual funds — so you get diversified exposure without any of the homework.
Jar, Gullak, and most gold apps use digital gold. Here's what that actually means for your money.
| Feature | Pyllar | Jar | Gullak | Groww / Kuvera |
|---|---|---|---|---|
| GST on investment |
0% GSTFree
|
3% GSTEvery time |
3% GSTEvery time |
0% GST |
| Asset type | Gold mutual funds (SEBI-regulated AMCs) | Digital gold (not SEBI-regulated) | Digital gold (not SEBI-regulated) | Gold mutual funds / ETFs |
| Daily SIP frequency | Yes — every day |
Yes |
Yes |
Monthly SIP only |
| Minimum daily amount | ₹21/day | Varies (round-off) | ₹100/day | ₹500/month |
| Fund selection | Handpicked basket — you don't choose |
N/A — single digital gold product | N/A — single digital gold product | You pick individual funds |
| Silver SIP available | Yes — from ₹21/day |
No |
No |
Some ETFs only |
| Holdings shown in grams | Yes — grams first |
Yes |
Yes |
No — NAV units |
| Lock-in period | No lock-in |
No lock-in |
No lock-in |
No lock-in |
| Funds SEBI-regulated | Yes — invests in SEBI-regulated gold mutual funds |
No — digital gold isn't SEBI-regulated |
No — digital gold isn't SEBI-regulated |
Yes |
| Built for daily earners | Yes — designed for ₹21/day |
Primarily round-off spends | Min ₹100 | No — for monthly SIP investors |
On every ₹10,000 you invest in digital gold, ₹300 goes to the government in GST before your gold even starts working. Pyllar uses gold mutual funds — a financial instrument, not a commodity — so there's no GST at all. Every rupee you save goes into gold.
Not all gold SIP plans are equal. Here's what actually matters when picking one.
This is the single biggest cost difference between gold SIP plans. Digital gold apps (Jar, Gullak, PhonePe Gold) charge 3% GST on every purchase — that's ₹3 lost for every ₹100 you invest, every single day. Gold mutual fund SIP plans like Pyllar charge 0% GST. Over 10 years of daily saving, this difference compounds into a meaningful amount.
A gold SIP plan backed by SEBI-regulated mutual funds is subject to strict governance: daily NAV disclosure, audited fund accounts, and AMFI oversight. Digital gold is not regulated by SEBI. Your investment is safer inside a regulated structure — especially for a long-term plan you're building over years.
Most mutual fund platforms (Groww, Kuvera, Zerodha Coin) require ₹500/month minimum and only support monthly SIPs. If you want to invest daily — building a true habit — you need a platform built for daily SIPs. Pyllar's gold SIP plan starts at ₹21/day with UPI AutoPay, so the money moves without you having to remember.
Most gold SIP plans make you pick one fund. Pyllar's gold SIP plan invests in a handpicked basket of gold mutual funds across multiple AMCs — Aditya Birla Sun Life and Nippon India. This diversifies your exposure across fund houses without you needing to research or compare NAVs. It's the right default for a beginner.
A gold SIP plan is well suited for: building long-term wealth in a stable asset, hedging inflation, saving for a specific goal (wedding, education), or adding a non-correlated asset to an equity portfolio. It's not a substitute for equity SIPs if you're seeking growth over 10+ years — gold's long-term CAGR (~13–15% in INR) is lower than equity markets. The smart approach is both: a daily gold SIP for stability, equity SIP for growth.
See how much your gold SIP plan could grow → Gold SIP Calculator
A gold SIP plan is a systematic way to invest small, fixed amounts regularly into gold. With Pyllar, you set a daily amount — as low as ₹21 — and it automatically goes into a handpicked basket of gold mutual funds managed by SEBI-regulated AMCs every day. You build up gold in grams over time without needing to time the market or pick funds yourself.
Digital gold is a commodity and attracts 3% GST on every purchase. It's also not regulated by SEBI. Gold mutual funds are SEBI-regulated financial instruments with 0% GST, professional management, and full transparency. Pyllar, as an AMFI-registered distributor, gives you access to these funds from ₹21/day. Over years of daily saving, the GST difference alone is significant — on ₹1 lakh invested, you save ₹3,000.
No. That's the point of Pyllar. We maintain a handpicked basket of top-performing, low-cost gold mutual funds. You just set your daily amount and we handle the fund selection, diversification, and rebalancing. You never need to compare NAVs or expense ratios.
₹21 per day. That's less than a cup of chai at most places. Most gold mutual fund platforms require ₹500 per month minimum. Pyllar was built specifically for everyday earners who want to start small and build consistently.
Pyllar is an AMFI-registered mutual fund distributor (ARN 341847). The funds you invest in are managed by SEBI-regulated AMCs like Aditya Birla Sun Life and Nippon India — some of India's most trusted fund houses. Your money is held by the fund house, not Pyllar, giving you an additional layer of protection.
Yes. There is no lock-in period on Pyllar's gold SIP plans. You can pause, stop, or redeem your investment at any time. Standard mutual fund redemption timelines apply (typically 2–3 business days for the money to reach your bank account).
The best gold SIP plan in India in 2026 is one that combines 0% GST, SEBI-regulated funds, daily SIP flexibility, and a low minimum. Pyllar ticks all four: 0% GST (gold mutual funds, not digital gold), AMFI-registered distributor (ARN 341847), daily SIP from ₹21, and a handpicked basket of top gold funds from Aditya Birla Sun Life and Nippon India. Platforms like Groww and Kuvera offer gold mutual funds too but require higher minimums (₹500/month) and only support monthly SIPs.
Yes — and you can go even lower. Pyllar allows a daily gold SIP from ₹21/day, which is approximately ₹630/month. If you want to invest exactly ₹100/month, that works out to roughly ₹3.30/day — which is below Pyllar's ₹21/day minimum. The practical minimum on Pyllar is ₹21/day (≈ ₹630/month). For ₹100/month gold SIP plans, most platforms will require you to use a monthly SIP option, which is available but means less frequent gold averaging.
Gold mutual fund SIP investments are taxed as follows: if you hold units for more than 24 months, gains are treated as Long-Term Capital Gains (LTCG) and taxed at 12.5% without indexation (as per Budget 2024). If you sell within 24 months, gains are treated as Short-Term Capital Gains (STCG) and taxed at your applicable income tax slab rate. There is no GST on investment or redemption for gold mutual funds. Digital gold, by contrast, attracts 3% GST on purchase. For SIP investments, each SIP instalment has its own purchase date — so when you redeem, each instalment's holding period is calculated separately.
Gold typically behaves counter-cyclically — it often rises or holds value when equity markets fall sharply. During the 2020 COVID crash, Indian gold funds rose ~25% as equities fell ~38%. During the 2008 global financial crisis, gold was one of the few assets that preserved wealth. That said, gold is not risk-free: it can fall in value, and short-term price swings happen. A gold SIP plan is designed for this — by investing daily, you buy at both high and low prices, averaging your cost over time. If the market crashes while you're invested, your daily purchases at lower prices reduce your average cost for future recovery. The worst thing to do is stop a gold SIP when prices fall.
₹21/day. 0% GST. Invested in SEBI-regulated gold mutual funds. Your gold grows in grams, one day at a time.
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