Why UPI is Dominating Gold Buying

Digital gold purchases through UPI have surged, making gold a part of daily micro-spending habits.In January 2026,UPI-based digital gold transactions hit a record ₹3,926 crore.Consumers are increasingly buying small amounts, sometimes as little as ₹10 per day,instead of waiting for monthly or event-based purchases.NPCI's 2026 Transaction Data shows this trend is turning digital gold into a continuous,24/7 financial activity rather than a periodic investment.

Banks do not lend the full value of your investments because markets are volatile.By offering a loan of around 45-50% of your equity portfolio up to 80% of debt funds,they create a safety buffer.If the market declines 10%,your loan remains within safe limits and you are less likely to face risk.This conservative Loan to Value structure helps protect investors from margin calls.Apply Now