Gold Vs Fixed Deposit: Which Is Better Investment - EaseMyDeal

Gold has been in high demand for ages, making it more profitable and an asset that keeps its value even during inflation. In 2025, inflation keeps rising daily, and gold acts as a safer store of value. Unlike buying gold in person, gold FDs offer interest per gram of gold. EaseMyDeal offers an attractive 20% annual return on Gold FDs—a higher return rate than most traditional bank FDs or savings instruments. This provides a sense of security that the gold is safe, unlike physical gold, as most of the gold FDs are digitally secure and are backed by powerful and known banks in India. 

What’s the Process for Opening a Gold Fixed Deposit?

 

• Step 1: Download the app

Go  to the Google Play Store and download EaseMyDeal

• Step 2: Sign up or log in

Open the app, sign up using your number, or log in if you have an account.

• Step 3: Go to the gold FD section

On the home screen, look for the Digi Gold and then choose Gold FD+

• Step 4: Choose your gold FD plan

Opt for the available FD options based on tenure and select the plans

• Step 5: Enter investment amount

Input the amount in INR or grams of gold you invest

• Step 6: Make a payment 

Choose the payment method (UPI, Debit Card, Credit Card, Net Banking, Wallet, etc.)

• Step 7: Confirmation and gold FD

You will receive a confirmation with a digital receipt

• Step 8: Track your investment

You can easily see or track your investment through the app

 

What Are the Document requirements for a Gold Fixed Deposit?

The requirements for doing a Gold FD are few, such as:

• Should be a resident of India
• Valid PAN card
• Aadhaar card
• Bank account details

Top Apps to Start a Gold FD in India Today 

 

EaseMyDeal

• EaseMyDeal offers a 20% gold return annually, with an average return. 
• They will lease the gold and put it into an FD through which you can get up to 4% return and 1% on cashback, a 15% gold return that lasts 5 years. If you total all the returns, it is gonna be 20% annually.
• If you invest in Gold FD through EaseMyDeal, you will get 3 times the extra return than banks, and they offer 7% on their bank FD.

 

Gullak

• Gullak has its different way to earn extra gold on top of your gold’s returns.
• You will get up to 5% extra average returns.
• The highest return on gold is 16% on a gold investment.
• Gullak has daily/weekly/monthly SIPs available.
   

Jar

• The higher return they give is 11% annually 
• You can choose tenure as per your choice
• You can also start with a minimum investment value of 10 Rs
• It provides a completely paperless and digital process.

Plus Gold

• You get 10% extra gold
• Start investing in gold FDs with as little as Rs 100 or 1 gram of gold.
• Withdraw your funds easily with simple redemptions after lock-in
• Gold Plus gives you Real-time gold prices with zero hidden charges.

 

Digi Gold

• DigiGold is accredited by NABL and BIS
• Start your investment at 1 Rs, which makes it accessible to small and first-time investors.
• You will get a digital ownership certificate 

Safe Gold

• Earn 4% p.a. extra in the form of gold
• SafeGold partners with RBI-regulated entities
• Start investing in gold starting as low as Rs 10
• Minimum purchase of gold is Rs 10, and there is no maximum limit

Features and Benefits of Gold Investment 

• It shows and compares how the average interest rates of banks' FD and potential returns you can get in digital gold, and also explains how gold is an asset that outperforms inflation over time. 
• It highlights the value of Gold retains purchasing power greater than cash at the time of inflation.
• It allows you to redeem a premature FD in gold or cash, unlike the traditional FD, which imposes penalties for premature withdrawal. 
• There is no risk of loss, theft, or need to maintain.
• In digital gold investment apps such as EaseMyDeal, Gullak, Jar, Plus gold, Digi gold, Safe gold, you can get a short tenure as low as 6 months. Unlike the bank FD, which requires a higher minimum. 

 

Gold vs Bank FD: 
 

 

Final thoughts

Seeing how inflation is rising and turning up and down in the markets. Gold FDs are the best choice to secure your investment as gold value remains the same over time, and it adds interest earnings in your gold. It can be digitally secured, and it is backed by the big and trusted banks in India, giving flexible offers, tax advantages, and peace of mind. 

Whether you are using EaseMyDeal, Gullak, Jar, Plus gold, Digi gold, Safe gold, or choosing bank-based FDs. A gold investment plan is more profitable and future accessible than ever. Those who like to invest in gold online can do it through a Gold FD plan, and if looking for massive growth, grow your gold, not just store it – Invest in Gold FD with EaseMyDeal..
 

FAQ’s: Know more about Gold investment

 

1. Why should I choose Gold FD to invest in rather than physical Gold?

Gold Fd provides a return, and the gold value remains the same, which is perfect for investing and, in the future, earning a profitable return.

2. Gold FD or Traditional Bank FD, which is good?

A Gold Investment provides a good return, and you can buy and sell it more easily. 

3. What is the process to open a Gold FD?

Download the EaseMyDeal app and follow the given steps.

4. What is CPTC, and why is it important?

The Collection and Purity Testing Centre is important for checking the quality and purity of gold.

5. What is the tenure related to Gold FDs?

STBDs (short-term bank deposit) whose tenure is 1-3 years, it’s return depends on the bank and what is going on in the market.

6. What are the eligibility criteria to open a Gold FD?

Anyone above 18 years old is eligible to do the Gold FD.

7. What is the maximum and minimum gold I can deposit?

Minimum deposit is Rs 1, and maximum is no limit.

8. How much return will I get on Gold FD?

It varies from bank to bank; on EaseMyDeal, you can get up to 20% returns annually. 

9. Can I get an amount or physical gold?

Yes, you can choose either amount or physical gold.

10. What are the best apps for the Gold FD return?

EaseMyDeal, Gullak, Jar, Plus gold, Digi gold, and Safe gold. These apps give you profitable returns if you do a Gold FD through them