24K Rs 433,876/tola ▲ 2.07%22K Rs 397,734/tola ▲ 2.07%21K Rs 379,642/tola ▲ 2.07%18K Rs 325,407/tola ▲ 2.07%Updated Today, 2:02 PM PKT · Sarafa market open24K Rs 433,876/tola ▲ 2.07%22K Rs 397,734/tola ▲ 2.07%21K Rs 379,642/tola ▲ 2.07%18K Rs 325,407/tola ▲ 2.07%Updated Today, 2:02 PM PKT · Sarafa market open
GoldRatePK Gold Rate in Pakistan
Financial Education · Pakistan

Digital Gold in Pakistan

Ways to own gold in Pakistan without a locker: PMEX gold contracts, gold-backed savings apps and what to verify before trusting any platform.

Your options for paper and digital gold

The regulated route is the Pakistan Mercantile Exchange (PMEX), which offers exchange-traded gold contracts in sizes from 1 gram upward — you trade through a PMEX-licensed broker with prices tracking the international market. Some banks and fintech apps also offer gold-backed savings products where you buy grams digitally and the provider holds allocated gold on your behalf.

Digital gold removes the two headaches of physical ownership — storage security and making charges — and lets you start with a few thousand rupees instead of a full tola.

What to verify before you buy

Three checks protect you: regulation (is the platform PMEX-licensed or SECP/SBP-regulated?), backing (is the gold allocated and audited, or just a promise on an app screen?), and exit (can you sell back at a fair spread, or take physical delivery?). Compare the platform's quoted price against the live per-gram rate — a wide gap is your real fee. Digital gold is convenient, but for wedding jewellery or gifts you will still eventually need the physical metal from a jeweller.

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Frequently Asked Questions

Is digital gold halal?

Scholars generally require that gold transactions involve actual ownership transfer — allocated, deliverable gold meets this more clearly than cash-settled derivatives. Ask the platform whether gold is allocated to you and consult a scholar for your specific case.

What is the minimum investment on PMEX?

PMEX lists contracts as small as 1 gram of gold, so you can start with roughly the price of a gram — a fraction of a tola — plus broker account requirements.

Digital gold vs physical gold — which is better?

Digital wins on storage, purity certainty and small ticket sizes; physical wins for weddings, gifts and zero counterparty risk. Many buyers accumulate digitally, then convert to physical when they reach a tola.

Disclaimer: The gold and silver rates provided on this website are aggregated from various local bullion markets and Sarafa Associations across Pakistan. While we strive to maintain accurate and up-to-date information, these prices are indicative and subject to continuous market fluctuations. They do not include making charges, local taxes, or dealer commissions. We recommend verifying the final price with your local jeweller before making any transaction.