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Ans: Gold ETFs in India are taxed depending on the holding period for NRIs. Capital gains acquired from short-term holdings are taxed at the income tax slab rate, while long-term gains are taxed at a flat rate of 12.5% without indexation.
Yes, Non-Resident Indians (NRIs) can buy digital gold in India using various online platforms.
An NRI can invest in gold ETFs either through an NRE or an NRO account, depending on the need for repatriation. An NRE account allows unlimited repatriation of the investment's proceeds, while an NRO account has limits on the repatriation amount, which is $1 million per financial year.
An NRI should generally hold 5-15% of their portfolio in gold, based on their risk profile, with a 5-10% allocation often considered ideal for balancing stability and growth.
International gold ETFs like GLD are more than Indian Gold ETFs for NRIs due to broader market access and potentially lower expense ratios.
Yes, digital gold is taxed in India just like physical gold. The taxes include the Goods and Services Tax (GST) while purchasing the gold and the capital gains tax while selling it.
Gold investments are not entirely tax-free. However, Sovereign Gold Bonds (SGBs) are mostly a tax-free gold investment, as capital gains are exempt from tax if held until maturity (eight years).
Yes, TDS is deducted on the purchase of physical gold in India. However, it depends on specific conditions related to the buyer's turnover and the purchase value.
NRIs can invest in gold in India using digital gold, gold-exchange traded funds (ETFs), gold mutual funds, and physical gold like coins, bars, and jewelry.
The choice between physical gold and digital gold depends completely on your investment goals, priorities, and preferences.
By Manish Prajapat |Last Updated: December 6, 2025
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