Investing in silver has been part of Indian tradition for generations. But today, investors are shifting from traditional methods to smarter, digital solutions. Physical silver often comes with hidden costs, while digital silver gives you transparency, affordability, and security.
When compared closely, physical silver ends up costing you more, while digital silver helps you save at every stage.
Affordable Entry and No Making Charges
One of the biggest cost factors in physical silver is making charges, often starting at ₹3 per gram and rising higher for jewellery and decorative pieces. These charges add no investment value and reduce long-term returns.
With digital silver, there are no making charges. You invest directly at near market rates. Even better, you can start with as little as ₹10, giving you flexibility to grow your portfolio step by step.
Verified Purity and Secure Vault Storage
Purity has always been a concern in physical silver. To address this, BIS voluntary hallmarking for silver articles began in September 2025, making the market more transparent. But for everyday investors, there’s still the hassle of testing and ensuring quality at every purchase.
Digital silver eliminates this uncertainty. It is backed by 999.9% pure silver, stored in 100% secure, insured vaults, and comes from trusted refineries. Investors don’t need lockers, paperwork, or additional insurance here; everything is taken care of in the digital model.
Simple, Flexible, and Accessible
Unlike physical silver, where you often need to make larger purchases, digital silver offers fractional ownership. You can buy in small amounts even ₹10 worth and gradually build your holdings.
The process is simple: no paperwork. With digital silver, you can also set up Systematic Investment Plans (SIPs), which average out market fluctuations and help you build wealth with discipline.
Instant Liquidity and Market Advantage
Selling physical silver often involves deductions for purity testing, buyback margins, or market cuts. These additional costs eat into your returns.
On the other hand, digital silver provides instant liquidity. You can buy or sell anytime at real-time market prices, with money credited directly to your account. No deductions, no waiting, and no hidden fees, just transparent transactions.
Conclusion
Physical silver may have cultural and emotional significance, but its hidden costs such as making charges, storage, and resale deductions make it less effective as an investment.
Digital silver delivers everything modern investors need: 999.9% purity, 100% secure insured vault storage, no paperwork, instant buy/sell, and affordability starting from just ₹10.
If you’re looking to take small, smart, and cost-effective steps toward wealth creation, InCred Money offers a trusted platform to start your journey with digital silver today.
