How to Buy Gold Biscuits: Step-by-Step Buying Guide

Thinking about investing in gold? Then you are probably full of questions. There’s a lot to consider: how to make sure you are getting the real deal? Where and how to buy gold biscuits safely? Etc. With so many details to figure out, it’s easy to feel overwhelmed. But at the end of the day, all you want is to make a smart and secure investment. 

Gold biscuits are a smart way to invest in gold. Gold jewellery often comes with design markups. While investing in gold biscuits, you are paying for just the value of gold. Also, they are easy to store and resell when you need to. Let us explore the steps you need to take to buy gold biscuits in India.

What is a gold biscuit vs. gold coin/bar?

Before diving into how to buy gold biscuits in India, you need to first understand which type of gold will provide you with the best return on investment.

Ways to Identify Real Gold at Home

Let’s jump into the crucial part – how to identify gold at home. For those asking if there are any ways to check the purity of the gold,  here are some effective methods:

Gold Biscuit

A gold biscuit is a flat, rectangular piece of pure gold. It usually has smooth edges and minimal design. It is primarily meant for investment, not gifting or showcasing, and comes in various weights like 5g, 10g, 100g, etc.

Gold Coin

Gold Coins often carry decorative designs and engravings like images of gods or national symbols. These are popular for gifting. They usually come in smaller weights like 1g, 5g, or 10g.

Gold Bar

Gold Bars are larger in size and weight compared to biscuits. These are commonly used for bulk investments. They are produced by banks and government authorised refiners. Gold bars generally range from 100g to 1kg or more. In short:

• Gold Coins = Best for gifting and small personal purchases.
• Gold Biscuits = Best for individual investors looking for manageable investment sizes.
• Gold Bars = Best for large scale investments and long term wealth storage.

Where to Buy Gold Biscuits in India

If you are a first time buyer, understanding how to buy gold biscuits and where to buy them will make sure you get the best value.

Banks

Buying from banks ensures high trust, but it is not a direct way to buy physical gold biscuits. Banks in India offer various gold investment schemes under RBI and government guidelines.

• Sovereign Gold Bonds (SGBs) – These are paper based alternatives to physical gold. They offer interest, usually around 2.5% annually, and the returns are linked to the gold price.
• Gold Monetization Schemes (GMS) – This scheme allows you to deposit your idle gold and earn interest on it.

If you are looking for actual gold in hand, authorised jewellers or digital platforms are better options.

BIS-Certified Jewellers

Reputed jewellers in India offer a range of BIS hallmarked gold biscuits. Many also provide buyback and exchange options, making it easier to liquidate later. It is always better to choose jewellers with transparent billing and strong reviews.

Trusted Gold Dealers

Licensed bullion dealers or wholesale gold traders often offer better rates, especially for bulk buying. While they may not have a fancy showroom, they are perfect for serious investors. Just make sure they are authorised and well-known in the market.

Online Platforms

RBI-regulated portals like MMTC-PAMP, Augmont, and SafeGold offer gold biscuits online with doorstep delivery and purity certification. These platforms are convenient and transparent. It is important to check their terms, delivery timelines, and whether physical delivery is guaranteed.

Learn How to Buy Gold Biscuits – Simple Steps for First Time Buyers 

Now, we came to the actual part – How to buy gold biscuits in India. Buying gold biscuits might sound intimidating at first, but it’s actually quite easy when you know the right steps. Here is a simple process to follow:

1. Check the current gold price on trusted websites. Prices change daily, so stay updated before making a move. Set your budget and choose how much gold you want to buy. 
2. Pick your source. You can buy it from authorised jewellers, trusted gold dealers, or RBI-regulated online platforms.
3. If you are buying offline, take a valid government ID like Aadhaar or PAN card with you. This is mandatory for large purchases.
4. Always ask for a printed bill and make sure the gold biscuit is BIS-hallmarked with a proper purity certificate.
5. The gold should come in tamper-proof packaging with a visible HUID and details like caratage and weight.
6. You can pay in full via cash, card, or UPI. Some jewellers and platforms also offer EMI options through partners like Bajaj Finserv.

Things to Check Before Buying Gold Biscuits

Investing in gold biscuits is a good idea. But knowing how to buy gold biscuits safely is essential to make a smart investment. Check the below listed things before you invest:

Purity and Hallmark

Make sure the gold biscuit has the BIS hallmark. This will guarantee the purity and authenticity of the gold. The hallmark will typically indicate the carat and a unique identification code.

Weight and Size

Check the weight of the gold biscuit. It is usually measured in grams. Ensure the size corresponds with the weight mentioned on the packaging or certificate.

Reputation of the Seller

Buy from trusted and reputed sources like authorised dealers and certified jewellers. So that you can rest assured you are getting genuine gold and avoid fraudulent sellers.

Documentation and Buyback Policy

Always request an invoice and a certificate of authenticity from the seller. The invoice should list the purity, weight, and purchase price of the gold. Also, do check whether the dealer offers a buyback option. This will be helpful if you plan to sell the biscuit in the future.

Price Comparison and Taxes

Compare prices from different sellers to make sure you are getting a fair deal. Prices can vary based on the dealer and market conditions. Stay clear about any taxes and hidden fees that may apply when purchasing gold biscuits. This will affect the overall cost of your investment.

Carefully checking these factors will help you to make sure you are buying genuine gold biscuits that will serve you well in the future. 

EMI Options for Buying Gold

For new investors, the process of how to buy gold biscuits may seem complicated. It might feel like you need to save up a big lump sum first. But the good news? EMI options are here to rescue you. It made gold investment more accessible.  Today, trusted platforms like Tanishq (via Tata Neu), Augmont, SafeGold, and MMTC-PAMP offer easy monthly payment plans. 

You can start with as little as ₹500–₹1000 a month. Based on the plan, you invest a fixed amount over six to twelve months. At the end, you can either buy digital gold biscuits or get physical gold biscuits delivered to your doorstep. Some platforms even allow Buy Now, Pay Later or credit card EMI for gold purchases. So you get the gold now and pay over time.

✅ Why it’s great:

– No need to wait or save up a huge amount  

– Encourages disciplined investing  

– Great for salaried professionals and new investors  

Always go with RBI-regulated or BIS-certified sellers, and read the fine print on charges, delivery, and buyback.

Investing in Gold Online: Is It Worth It?

Tired of googling how to buy gold biscuits online? Nowadays, more and more people are investing in gold online — and it’s easy to see why. If you have been thinking about taking this route, too, let’s clearly understand the pros and cons.

✅ Pros:  

• Buy gold anytime, anywhere — no need to visit a store.  
• Track your purchase history, live prices, and gold holdings easily.  
• Many platforms offer insured and tamper-proof delivery.  
• You can start with as little as 1 gram or even digital gold.  
• RBI-regulated options like MMTC-PAMP, Augmont, and SafeGold ensure quality and safety.

❌ Cons: 

• No Physical Check. You can’t inspect the gold in person before buying.  
• In rare cases, shipping may take longer than expected.  
• Risk of fake websites or unregulated sellers — always double-check.  
• Not all platforms have easy resale or buyback policies.

Best Practices for Safe and Profitable Gold Biscuit Purchase

It’s totally normal to feel unsure. You might wonder, “Is it safe?” “What if I make a mistake?” or “How do I know it’s real?” Don’t stress. Before you spend your hard earned money, just go through this quick and easy checklist. It will help you buy smart and safe.

– Always check for the BIS hallmark to ensure the gold’s purity is certified.  

– Buy only from trusted jewellers, authorised dealers, or RBI regulated platforms.  

– Make sure you receive a proper bill with weight, purity, and price clearly mentioned.  

– Verify the gold’s karat value on the biscuit and match it with the certificate.  

– Compare the current market rate with the seller’s price before finalising the purchase.  

– Ask about the buyback terms and resale conditions before buying.  

– Choose safe payment options like card or bank transfer.

Comparing Costs & Investment Value: Coins vs. Biscuits vs. Jewellery

Feature	Gold coins	Gold biscuits	Gold Jewellery
Purity	Typically available in 22K and 24K	Almost always 24K (99.9% or higher)	Commonly 18K or 22K
Making charges	Moderate. Ranges from 5–10% over the market gold rate	Very low to none. Mainly includes only the metal cost and nominal handling charges.	Highest. Making charges can range from 8–30% depending on design intricacy and brand.
GST	3% on total value (gold + making charges)	3% GST on the purchase price, which is mostly the gold value	3% on gold + making charges
Resale value	Good resale value, especially for 24K	Highest resale value due to 24K purity and low overhead costs	Lower resale value due to deduction of making charges and wear and tear.
Buy back options	Available with select jewellers or gold brands.	Widely accepted by most bullion dealers and BIS-certified jewellers with minimal deductions.	Available at jewellers but involves deductions based on purity, wear, and making charges.
Price per gram	Slightly higher than gold rate due to minting and design	Closest to actual gold market rate	Highest overall due to design, brand, labour, and wastage costs.

Final thoughts 

Got an idea of how to buy gold biscuits in India? Buying gold biscuits can feel overwhelming at first,  but with the right knowledge, you can make a smart and safe investment. Always ensure you get proper documentation, and look for trustworthy platforms offering fair prices.

Looking to sell your gold biscuits or make your next gold investment? White Gold is here for you! We offer transparent, competitive prices. Contact us today to get a fair evaluation and make the most of your gold investment.

FAQs

1. What is the difference between gold biscuits and gold coins?

Gold biscuits are flat, rectangular pieces of gold mainly used for investment. Gold coins are often round and may carry designs and commemorative value.

2. Is buying gold biscuits better than buying jewellery?

Yes. Gold biscuits are perfect for investment as they carry lower making charges and offer better resale value compared to jewellery.

3. Can I buy gold biscuits in EMI?

Yes. Many jewellers and online platforms now offer gold purchases on EMI with minimal interest and flexible plans.

4. How do I know if a gold biscuit is pure?

Always check for BIS hallmarking and carat value. Ask for a bill with purity details to confirm authenticity.

5. Is it safe to buy gold biscuits online in India?

It is safe if you buy from reputed platforms or BIS certified jewellers with clear return and certification policies.