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Why UPI is Dominating Gold Buying
Over 90% of retail digital gold purchases now happen via UPI, turning gold buying into a daily micro-spending habit.
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.