Gold has always been a symbol of wealth and security in Indian households. As we step into 2025, investing in gold schemes continues to be a popular choice due to their stability and potential for long-term growth. Whether you prefer traditional gold saving Strategies and plans or Digital Gold Investments, there are plenty of options available. Let’s dive into the Best Gold Strategies Plan you can consider in 2025.

1. Sovereign Gold Bond (SGB) Scheme
The Sovereign Gold Bond (SGB) Scheme is a government-backed investment program introduced by the Reserve Bank of India (RBI) on behalf of the Government of India. It allows individuals to invest in gold without physically holding it, offering an alternative to buying physical gold like coins, bars, or jewelry.
Why Choose It?
- Government Backed: One of the safest gold schemes as it is backed by the Government of India.
- Interest Earnings: Earn an annual interest of 2.5% along with the price appreciation of gold.
- Tax Benefits: No capital gains tax if held until maturity (8 years).
- Digital Option: Available in demat form, eliminating risks associated with physical gold.
Benefits of Investing in SGBs:
- Dual Earnings: Investors earn from both the fixed interest and the appreciation in gold prices over time.
- No Storage Hassles: Since the investment is in paper or digital form, there are no storage or security concerns associated with holding physical gold.
- Cost-Effective: Unlike physical gold, there are no making charges, GST, or other hidden costs.
- Tax Exemption: The exemption from capital gains tax on maturity is a significant benefit for long-term investors, enhancing the overall return.
Ideal For: Investors looking for a long-term, tax-efficient gold investment with guaranteed interest.

2. Gold Monthly Saving Schemes by Jewellers
Gold Monthly Saving Schemes, offered by popular jewellers like Tanishq, Kalyan Jewellers, and Malabar Gold, are plans where customers deposit a fixed monthly amount for a specified period (usually 10-12 months).
How It Works:
- Monthly Contributions: You deposit a fixed amount every month with a jeweller.
- Maturity Benefits: At maturity, you can buy gold equivalent to the accumulated amount, often with added bonuses like a month’s contribution free from the jeweller.
- Customization: Ideal for those planning future purchases, such as wedding jewelry.
Pros:
- Allows disciplined saving.
- Eliminates the worry of fluctuating gold prices.
- Flexible withdrawal options with no additional charges.
Cons:
- Returns are in the form of jewelry, not cash.
- Limited to specific jewellers and their conditions.
Best For: Those looking to buy gold jewelry in the future, such as for weddings or special occasions.

3. Digital Gold Investment
Digital Gold allows you to buy, sell, and store gold online, without the need to physically own it. It is a convenient option for investors looking to invest small amounts in gold without worrying about storage or security.
Features:
- Convenience: Buy, sell, and store gold online without worrying about storage issues.
- Flexibility: Start investing with as little as ₹1.
- Instant Liquidity: Easily sell your gold online anytime.
Top Platforms:
- Paytm Gold
- PhonePe Digital Gold
- Google Pay Gold
Drawbacks:
- No interest earnings.
- Slightly higher transaction costs compared to physical gold.
Best For: New-age investors seeking flexibility and convenience without dealing with physical gold.

4. Gold Exchange-Traded Funds (ETFs)
Gold ETFs are exchange-traded funds that invest in physical gold. These funds are listed on stock exchanges and are traded like regular stocks. They represent an indirect way of investing in gold without physically owning it.
Highlights:
- Low Costs: Lower expense ratio compared to mutual funds.
- Highly Liquid: Traded on stock exchanges like regular stocks.
- Transparency: Real-time tracking of gold prices.
Why Consider It?
- No making charges or premiums unlike physical gold.
- Ideal for investors who want exposure to gold without actually holding it.
Ideal For: Stock market investors looking to diversify their portfolio with a gold-backed asset.

5. Gold SIP (Systematic Investment Plan)
A Gold SIP is a method of investing in gold systematically over time, similar to how mutual fund SIPs work. It allows investors to accumulate gold in small, regular installments, mitigating the risk of market volatility.
What It Is:
- A method of investing in digital gold or gold ETFs in small amounts regularly, just like mutual fund SIPs.
- Minimizes risks associated with price volatility through rupee cost averaging.
Advantages:
- Enables gradual and disciplined gold accumulation.
- Can be done via online platforms or through financial institutions.
Best For: Investors who prefer a systematic approach to investing in gold over time.

6. Gold Deposit Scheme (GDS)
The Gold Deposit Scheme, introduced by banks like SBI and PNB, allows individuals to deposit their idle physical gold (jewelry, coins, bars) in a bank and earn interest on it. The scheme is a part of the Government of India’s Gold Monetization Scheme (GMS).
Key Features:
- Earn Interest: Deposit your idle gold (jewelry, coins, bars) and earn interest on it.
- Purity Check: Your gold is assessed and stored by the bank, ensuring safety.
- Tenure Flexibility: Various tenures available, typically from 1 to 15 years.
Benefits:
- Keeps your gold safe without any storage hassle.
- Earn interest while keeping the option to reclaim physical gold at maturity.
Best For: Those with idle gold looking to earn interest without selling their assets.
Factors to Consider When Choosing a Gold Scheme in 2025
- Investment Objective: Whether you aim for long-term growth, safe storage, or immediate liquidity.
- Safety and Risk: Government-backed options like SGBs offer security, while market-based investments like ETFs carry some risks.
- Returns: Consider the potential interest earnings or price appreciation.
- Tax Implications: Some schemes offer tax benefits; understanding these can help maximize your returns.
- Convenience: Digital options are hassle-free, whereas traditional schemes may require physical presence or paperwork.
Why Invest in Gold Schemes in 2025?
Gold remains a time-tested investment choice in India, offering a hedge against inflation and currency fluctuations. With a variety of gold schemes available, investors can choose plans that suit their needs—whether it’s earning interest, accumulating wealth, or planning a future purchase.
In 2025, with market volatility and economic uncertainty, diversifying your portfolio with gold schemes is a wise move. By understanding the benefits and limitations of each scheme, you can make an informed decision to grow your wealth securely.
Conclusion
Investing in the right gold scheme can be a strategic way to secure your financial future. Whether you prefer the guaranteed returns of Sovereign Gold Bonds, the convenience of Digital Gold, or the traditional appeal of Monthly Saving Schemes by jewellers, there is an option for everyone. Assess your financial goals, risk appetite, and time horizon to select the best gold saving scheme in 2025. Happy investing! Start your gold investment journey today by exploring these gold schemes. Secure your future with the stability and growth potential of gold!
What are your favorite gold investment strategies for 2025? Share your thoughts in the comments below!
FAQs
1. What is the best gold scheme for long-term investment in India?
Sovereign Gold Bonds are considered the best due to their government backing, interest payouts, and tax benefits.
2. How can I invest in digital gold in India?
You can invest in digital gold through mobile apps like Paytm, Google Pay, and PhonePe, starting with as little as ₹1.
3. Are gold ETFs a good investment in 2025?
Yes, gold ETFs are a good option for investors who want market exposure without the hassle of storing physical gold.