Investment: Buying gold coins instead of gold jewellery is more beneficial, know this method of smart investment..

Gold prices are skyrocketing. Once again gold has reached close to Rs 1 lakh per 10 grams. On Tuesday, June 3, 2025, there was a rise in the prices of gold in the Indian market. In Delhi, the price of both 22-carat and 24-carat gold increased by Rs 600. Now in the capital, 22-carat gold has reached Rs 90,850 and 24-carat gold has reached Rs 99,060 per 10 grams.

Not only in Delhi but also in other big cities of the country including Mumbai, gold prices (Gold Price Today) have seen a rise today. Despite this, Indians' craze for gold has not diminished. Be it a wedding, festival, or any auspicious occasion, buying gold (Gold Buying) remains a part of both tradition and investment.

Gold Coin vs Jewelry: Which is more beneficial? The answer will surprise you.
But if you are also thinking of investing in gold, then buying gold coins instead of jewellery can prove to be more beneficial.

Why is gold coin beneficial? (Benefits of Buying Gold Coins)
Gold coins come in many weights ranging from 0.5 grams to 100 grams and 22 or 24-carat purity. Its biggest feature is that it is easy to convert it into cash and there is more confidence about its purity. This is the reason why the gold coin is considered a 'smart investment'. Let us tell you what are the benefits of buying gold coins.

Benefits of buying gold coins:
Guarantee of purity: Gold coins usually come with a hallmark, which gives a full guarantee of purity of 22 or 24 carats.

No making charge: The design or making a charge on gold coins is very low as compared to jewellery, which reduces the investment cost.

Easy sale: If needed, gold coins can be easily sold or mortgaged through any jeweler, bank, or gold loan company.

Opportunity to invest with less money: Gold coins start from 0.5 grams, which makes it a good option for small investors as well.

Better returns: Gold prices rise over time, making gold coins a stable and safe investment option.

Low risk: Gold coins are considered a reliable asset in times of economic uncertainty and inflation.

Keep these things in mind while buying gold coins.

1. Buying from a bank is not always beneficial

If you buy gold coins from a bank, you may have to pay 5-10% more than the market price. Also, banks do not buy them back.

2. Reselling is difficult

There is a problem in selling gold coins bought from the bank because banks do not take them back and jewelers give a low price.

3. Documentation is necessary

To buy gold coins from the bank, one has to provide a PAN card and application form. Only up to ₹ 50,000 can be purchased in cash.

4. Packing of coins

Banks usually sell coins with tamper-proof packing and purity certificates, which guarantees authenticity.

What is the best option to invest in gold? (Best way to invest in gold)
If you prefer digital investment, then options like Digital Gold, Gold ETF, and Sovereign Gold Bonds (Best Gold Investment Options) are also available:

Digital Gold: You can start investing from Rs 1, with no physical storage, and can buy and sell anytime.

Gold ETF: Traded like the stock market, in which it is important to keep in mind tracking error, expense ratio, and liquidity.

Sovereign Gold Bond (SGB): These bonds issued by the government give 2.5% annual interest and there is no hassle of storage. Currently, these are available only in the secondary market.

Is it more beneficial to buy gold coins instead of jewellery?

If you want to invest in gold and prefer to buy physical gold, then buying gold coins instead of jewelry is a more sensible step. It is not only cheap and safe, but it is also easy to sell at the time of need. Yes, while buying, keep in mind its purity, source and resale option.

If there is a plan for long-term investment, then digital or bond options can also prove to be beneficial. Remember, gold is not just jewelry, it is a smart investment option.

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