Ways to Invest in Gold
Gold Mutual Funds (Fund of Funds)
Invest in gold ETFs through SIP without a demat account.
Rates as on 26 September 2026 · Updated 27 September 2026
Today’s 22K / 24K (Delhi)
₹14,095 / ₹14,800
per gram, excl. GSTOverview
Gold mutual funds are fund-of-funds that invest in gold ETFs. They allow SIPs from as low as ₹100–₹500 and do not need a demat account, at a slightly higher total cost than ETFs.
| Particular | Details |
|---|---|
| Min SIP | ≈₹100–₹500 |
| Demat | Not required |
| Cost | ETF expense + FoF expense |
| Tax | LTCG 12.5% after 24 months |
ETF vs Gold fund
| Feature | Gold ETF | Gold MF |
|---|---|---|
| Demat needed | Yes | No |
| SIP | Via broker | Easy SIP |
| Cost | Lower | Slightly higher |
| Pricing | Real-time | End-of-day NAV |
Frequently asked questions
Is a gold fund safe?
It carries gold-price risk but is SEBI regulated.
Gold rates are indicative market references (26 September 2026) and change during the day. Rules on tax, hallmarking and investment products can change — verify with official sources. FinancePortal does not sell gold.