▲ 13 r/IndiaStocks
Digital Gold or Gold ETF — Did the real math on Digital Gold vs Gold ETF. I keep only 46% of my profits. Here’s why.
My Tickertape shows ₹51,230 profit on my Digital Gold holding. Sounds great.
But here’s what I actually keep after all costs:
The hidden costs nobody shows you:
*• 3% GST on every buy → ₹6,764 gone upfront*
• *2.5% sell spread → ₹6,917 off current value*
*• 3% GST on sell → another ₹8,094 gone*
*• 20% LTCG tax on real profit*
Final take-home:*** ****₹23,564. On a “₹51K profit.”*
My Gold ETF with similar % returns? I keep 79% of profits. Total cost drag was just ₹1,147 vs ₹27,666 on Digital Gold.
The app never shows you any of this on the main screen.
My questions:
• Is Digital Gold just a high-margin product designed around financial illiteracy?
• Is there ANY scenario where it makes sense over Gold ETF?
• For those already holding — do you eat the 5.5% exit cost now and switch, or just stop buying more?
Would love to hear from people who’ve actually done this math themselves.
u/Heavy_Anteater_1020 — 12 hours ago