Best Gold Investment Schemes in India 2026

For many Indian households, gold savings do not start with charts or returns. It usually starts with a simple thought. We should keep something aside for the future. In 2026, that habit is still strong, but the options look very different. Instead of only buying jewellery once a year, people are now trying to understand which gold scheme is best for regular and stress-free saving.

At the same time, the idea of a planned approach is growing. The best gold saving scheme today is not about show or tradition alone. It is about control, clarity, and peace of mind. Whether it is a monthly gold plan or a long-term savings option, investors now want flexibility and transparency. That is exactly what modern gold schemes aim to offer.

Why You Should Invest in Gold in 2026

Gold works as a support asset in your overall plan. It helps manage risk, supports future goals, and gives flexibility when markets feel unstable. While you might think about why you should be investing in gold in 2026, there are certain reasons that work in favour of the same. These include:

1. Protection Against Inflation

Inflation quietly reduces the value of money every year. What feels enough today may not be enough after five years. Gold has historically helped preserve value over time. This is why it is still considered to be an investment that can help you during inflation.

2. Lower Risk in Your Investment Portfolio

Markets do not move in a straight line. When equities fall or remain volatile, gold often stays stable. Adding gold reduces dependence on one asset and helps smooth overall returns, especially during uncertain market phases.

3. Helps With Planned Life Expenses

Gold is often linked to important life events in India. Saving through a monthly gold scheme allows you to plan expenses gradually instead of arranging money at the last moment. This makes long-term goals easier to manage.

4. Easier and More Flexible Than Before

In 2026, you can invest in gold in various ways. There is no longer a need to buy physical gold. Monthly and digital options allow small investments, clear tracking, and easy redemption. This makes it easier to choose the best gold savings scheme without complexity.

Types of Gold Saving Schemes in India

Gold saving schemes in India exist for different reasons. You will find not just the jewellery plans in the market but also various other plans. Some of these are run by the government, while others are run by the banks or mutual fund management companies. Based on the same, the types of the gold savings scheme available are:

1. Jewellery Gold Saving Schemes

Jewellery gold saving schemes are mainly meant for people who already know they will buy gold jewellery in the future. You commit to a fixed monthly amount for a specific period, usually 10 to 12 months. At the end of the tenure, the accumulated value is used to buy jewellery from the same brand. These schemes often offer a small benefit like a bonus month, but making charges and design costs still apply. They are not ideal if your goal is pure investment.

Jewellery Brand	Scheme Name	Monthly Payment	Tenure	Maturity Benefit	Redemption Type
Tanishq	Golden Harvest	Fixed monthly amount	10 months	One month installment as bonus	Jewellery purchase only
Malabar Gold	Golden Bloom, Golden Glow, Golden Bliss	Fixed monthly amount	11 months	Discount on making charges up to 18%	Jewellery purchase only
Kalyan Jewellers	Gold Savings Scheme	Fixed monthly amount	11 months	Discount on gold or membership charges	Jewellery purchase only
Joyalukkas	Easy Gold Scheme	Fixed monthly amount	10 months	Discount on making charges	Jewellery purchase only
TBZ	Kalpavruksha Plan	Fixed monthly amount	10 months	Discount on making charges	Jewellery purchase only
PC Jeweller	Jewels for Less Scheme	Fixed monthly amount	12 months	Bonus installment benefit	Jewellery purchase only

2. Digital Gold

Digital gold is a flexible option for people who want to save in gold without buying jewellery immediately. You can invest small amounts whenever you want and the gold is stored safely on your behalf. The value moves with gold prices, and you can sell it online or convert it into physical gold later. This option suits people who want liquidity and ease, but it may include platform charges.

3. Sovereign Gold Bonds

Sovereign Gold Bonds are issued by the Government of India and are linked to gold prices. Along with price appreciation, they also pay a fixed interest every year. These bonds are best suited for long-term investors. There is a lock-in period with these funds. While this is true, the growth and returns offered by the SGBs are great, making them a desirable choice for investors.

SGB Issue Price History for 2023–24

Series	Issue Month	Price per Gram (₹)
Series 1	June 2023	5,926
Series 2	September 2023	5,923
Series 3	December 2023	6,199
Series 4	February 2024	6,263

4. Gold Mutual Funds and ETFs

Gold mutual funds invest in gold ETFs on your behalf. This option is useful for people who want gold exposure but are not looking to manage the same. The fund offers growth of the gold but at the same time better safety. There is an option to invest through SIP as well, which allows you to invest small sums with no hassle. This makes it a perfect choice for many.

The options available for you to invest are listed as below.

Gold ETF Name	NAV (₹)	AUM (₹ Cr)	1Y Return (%)	5Y Return (%)	Expense Ratio (%)	Tracking Error (%)
Nippon India ETF Gold BeES	131.12	39,901	91.08	198.20	0.80	0.24
HDFC Gold ETF	136.26	18,488	91.38	161.59	0.59	0.28
ICICI Prudential Gold ETF	139.62	17,769	98.07	223.87	0.50	0.21
SBI Gold ETF	136.4	17,400	93.83	210.07	0.70	0.24
Kotak Gold ETF	130.15	12,162	89.58	200.02	0.55	0.28
Axis Gold ETF	130.28	3,895	86.46	204.46	0.56	0.25
UTI Gold ETF	132.85	3,282	91.29	201.79	0.51	0.16
ABSL Gold ETF	144.42	2,070	97.05	204.04	0.47	0.25
Mirae Asset Gold ETF	155.3	2,061	91.80	161.45	0.35	0.36

The table is for educational purposes only. Please check the details before you plan to invest. 

Read Also: Gold Investment: How to Invest in Gold in India?

Which Gold Saving Scheme Is the Best in 2026

There is no single best gold savings scheme for everyone. The right option depends on why you are saving in gold. Many people make mistakes by choosing a scheme based on popularity. This is wrong. You should focus on your goal. 

1. For Pure Investment and Long-Term Wealth

If your goal is returns, liquidity, and portfolio balance, Gold ETFs or Sovereign Gold Bonds work best. They are transparent, cost-efficient, and linked directly to gold prices. Jewellery schemes do not fit this goal.

2. For Monthly Disciplined Saving

If you want to invest small amounts regularly, digital gold and gold mutual funds are better options. They allow flexibility, easy tracking, and no pressure to buy jewellery at maturity.

3. For Wedding or Jewellery Purchase

If you already know you will buy jewellery, jewellery gold saving schemes make sense. They help you plan expenses in advance, but they should not be treated as an investment product.

4. For Safety and Low Risk

Sovereign Gold Bonds are the safest option since they are government-backed and also pay interest. They suit investors who can stay invested for the long term.

5. For Flexibility and Ease

Digital gold is best if you want freedom to buy, sell, or convert to physical gold anytime. It suits first-time investors and those who want simplicity.

Conclusion

The best gold saving scheme in 2026 is the one that matches your goal, not the one with the biggest name. Investment-focused buyers should look at ETFs or SGBs, while goal-based buyers can choose monthly or jewellery schemes. Platforms like Pocketful make it easier to compare options and invest in gold in a structured and informed way.

S.NO.	Check Out These Interesting Posts You Might Enjoy!
1	How to Invest in Gold ETF – Benefits, Risks and Charges
2	What is Gold ETF? Meaning & How to Invest Guide
3	A Guide To Investing In Gold In India
4	Types of Investment in the Stock Market
5	Best Investment Options in India