Gold has always held a special place in the Indian heart and home. From weddings to Diwali to the arrival of a newborn, gold isn’t just bought, it’s celebrated. But in 2025, gold is doing more than just adorning our wrists and necks. It’s making headlines in the investment world — and for all the right reasons.
At Fintoo, we’ve seen a sharp rise in conversations around gold. And the questions are pouring in: Is now the right time to buy? Should I look at digital gold or stick to jewellery? How much should I invest?
Let’s take a step back and decode what’s happening in the gold market right now — and what it means for Indian investors.
Where Does Gold Stand Today?
As of May 22, 2025, gold prices are glittering at nearly historic highs. In India, 24-karat gold is priced at ₹96,540 per 10 grams, and 22-karat at ₹88,495. Globally, it’s reached a record-breaking $3,500 per ounce. The reasons behind this surge? A perfect storm of economic uncertainty, paused rate hikes from the U.S. Fed, and rising geopolitical tensions.
Interestingly, April saw prices briefly touch ₹99,358 in India before correcting slightly, and that dip was all savvy investors needed to make their move. At Fintoo, we noticed a clear trend: whenever there’s a minor correction, interest surges. People aren’t just buying for the next wedding — they’re buying for the next generation.
Gold and India: A Bond Beyond Numbers
You’ve probably heard this before, but it’s worth repeating — India’s love affair with gold is unmatched. With over 25,000 tonnes of private gold holdings, we have more of it in our lockers than the top ten central banks of the world combined. That’s not just a statistic — it’s a statement of how deeply gold is embedded in our culture.
Every year, gold buying spikes during the latter half, thanks to Akshaya Tritiya, Dhanteras, and, of course, the wedding season. What’s fascinating is that more than 30% of today’s gold supply comes from recycled jewellery. That old bangle your grandmother gave you? It’s probably part of someone’s investment portfolio today.
Even our central bank, the RBI, has been steadily increasing its gold reserves, holding over 800 tonnes. It’s a clear indicator — when the world gets unpredictable, gold becomes dependable.
Why the Rush in 2025?
Let’s be real. The global landscape in 2025 hasn’t exactly been calm. Wars, inflation, market volatility — it’s been a whirlwind. And in such times, gold doesn’t just survive — it shines.
More and more investors are turning to gold as a shield, not just from falling stock markets, but from rising uncertainty. It’s a natural hedge, a store of value, and in some ways, a psychological anchor. At Fintoo, we like to call it your “Emotional SIP” — a gold strategy that feels traditional but is actually incredibly tactical.
So, What Should You Do Now? — A Word from Fintoo Experts
Here’s our honest take: don’t rush in blindly. Gold may be glittering, but like any asset, it needs to fit into your broader financial story.
We usually recommend that investors keep about 5–10% of their portfolio in gold. It’s a stabilizer, not the star of the show. And while buying jewellery may feel familiar, it’s not always the smartest route — not when you factor in making charges and storage worries.
Instead, think about Sovereign Gold Bonds (SGBs), digital gold, or gold mutual funds. They’re easier to manage, tax-efficient, and in many cases, more liquid. You’re not just buying gold; you’re buying peace of mind.
Also, let’s shift the mindset — gold isn’t something you trade like stocks. You don’t wait for “the perfect price.” You invest in it because it brings balance to your portfolio, protects against inflation, and can serve as a solid part of your long-term goals, whether it’s legacy planning, retirement, or securing your family’s future.
At Fintoo, we’ve been working closely with clients to tailor their gold exposure — not just to make gains, but to make sense. Because every investment should have a purpose.
Our 2025 Gold Strategy: More Than Just Buy or Don’t Buy
When clients ask us, “Should I buy gold now?” we answer with a better question: “What role should gold play in your life?”
Whether using gold as collateral for wealth solutions, building a buffer against inflation, or creating a legacy for the next generation, the strategy has to be personalised. We evaluate lifestyle, risk appetite, and goals before suggesting whether you should invest in physical gold, gold funds, or SGBs.
Because at Fintoo, it’s not just about returns — it’s about relevance.
To Sum It Up: Yes, Gold is Shining — But Strategy is What Makes it Valuable
The rally of 2025 is historic. But if you’re looking at gold only through the lens of returns, you might be missing the bigger picture. At Fintoo, we believe wealth isn’t built by reacting to headlines. It’s built by aligning investments with life goals, understanding risks, and making informed, meaningful decisions.So if you’re wondering “Should I invest in gold?”, let’s talk. We’ll help you figure out how much, in what form, and most importantly — why.
Connect with Fintoo’s wealth experts today and let’s craft a gold strategy that fits your future, not just the market trends.
Also read: Best Government Investment Schemes to Invest in 2025
Disclaimer: The views shared in blogs are based on personal opinions and do not endorse the company’s views. Investment is a subject matter of solicitation and one should consult a Financial Adviser before making any investment using the app. Investing using the app is the sole decision of the investor and the company or any of its communications cannot be held responsible for it.
