Physical gold jewelry incurs making charges of 8–25%, immediately reducing investment efficiency. Digital SIPs eliminate these charges entirely, while 3% GST applies only on the metal value. This ensures almost all invested capital purchases the appreciating asset. Historical gold returns in India have averaged 8–10% annually over the last decade. By avoiding high upfront charges, investors optimize net accumulation. SIPs provide a cost-efficient route for disciplined long-term wealth creation, ensuring your invested money fully participates in market appreciation.