Gold & Silver
Gold & Silver, the smarter way
Own gold and silver through funds that invest in gold and silver ETFs. No GST, no making charges, no purity worries — and SEBI-regulated, unlike digital gold.
- 0% GST · no making charges
- SEBI-regulated, unlike digital gold
- No lockers, no purity worries
- No lock-in · withdraw anytime
Gold balance
₹ 10,775
Current return (XIRR)
₹ 669 55.91%
1D return
₹ 68 0.49%
Silver balance
₹ 0
Update: some fund houses have paused fresh investments in gold funds
From 16 October 2026, several fund houses have stopped accepting fresh lumpsum investments, new SIP registrations and switch-ins into their gold ETF fund-of-funds. Each fund house has set its own restrictions, amid record inflows into precious metals, import concerns and pressure on the rupee.
If you already invest: instalments under SIPs registered before the pause continue, and you can redeem or switch out at any time. The pause applies to new money only.
A similar pause on silver fund-of-funds in October 2025 was lifted once supply eased. Check the current status of each fund in the Bachatt app before you invest.
Sources: Business Standard, Choice
How it works
How gold & silver mutual funds work
A gold or silver fund is a mutual fund that invests in gold or silver ETFs. Each ETF unit is backed by physical metal of standard purity, held in secure vaults for the fund — so you own the metal’s price, without handling the metal.
- 1
You invest any amount
Start a daily, weekly or monthly SIP, or put in a lumpsum, through UPI in the Bachatt app.
- 2
The fund buys ETF units
Your money goes into gold or silver ETFs, which hold physical metal of standard purity in vaults.
- 3
Your units track the price
The value of your units moves with the market price of gold or silver, less the fund’s expense ratio.
- 4
Withdraw anytime
There is no lock-in. Sell your units and the money is credited to your bank account.
Why funds beat digital gold and physical gold
Gold and silver funds give you the same exposure to the metal’s price, with regulation, no GST and none of the storage or purity worries.
| Gold & Silver funds | Digital gold | Physical gold | |
|---|---|---|---|
| Regulated by | SEBI, as mutual funds | Not regulated by SEBI or RBI | No investor regulator |
| GST when you buy | None | 3% GST | 3% GST, plus GST on making charges |
| Making & other charges | None — only the fund’s expense ratio | Buy–sell price spread and storage fees | Making charges on jewellery and coins |
| Storage & safety | Held in vaults for the fund; nothing to store | Held by a private vault provider | Locker fees, or theft risk at home |
| Purity | Standard purity set by regulation | Depends on the provider | Depends on the jeweller; check the hallmark |
| Selling | Redeem to your bank account, no lock-in | Depends on the platform | Jeweller buyback, often with deductions |
Fund returns track gold and silver prices and are not guaranteed. Mutual fund investments are subject to market risks.
Watch
Buying gold this Dhanteras just got a little more complicated
Why gold investments are being paused, and what it means for you — from Bachatt.
No hidden costs of physical metal
Skip GST, making charges and locker fees. Your investment tracks the price of gold and silver.
Regulated and transparent
Gold and silver funds are regulated by SEBI, unlike digital gold, which has no regulator.
Start small
Invest a little every day, week or month, or put in a lumpsum when prices look right.
Frequently asked questions
How is a gold fund different from digital gold?+
Gold funds are mutual funds regulated by SEBI and invest in gold ETFs. Digital gold is not regulated by SEBI or RBI.
Do I pay GST on gold and silver funds?+
No. There is no GST and no making charge, unlike buying jewellery or coins.
Can I withdraw anytime?+
Yes. There is no lock-in.
Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance does not guarantee future returns. Trusave Fintech Pvt Ltd is an AMFI-registered mutual fund distributor (ARN-321640).