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Digital Gold Trades at a Retail Premium Over MCX Rates
Retail digital gold pricing includes GST and spreads, making it costlier than wholesale exchange rates.
The MCX gold rate of approximately ₹1,56,640 per 10 grams reflects wholesale 1kg futures contracts traded by the institutions. Digital gold prices include 3% GST plus a platform spread of 2–4%, creating a 5–7% retail premium. For example, ₹1,56,640 wholesale may appear near ₹1,65,000 on apps. This markup covers vault storage, insurance, and fractional investing convenience unavailable in exchange-traded commodity contracts.