Jar vs Gullak: Which Digital Gold Savings App Is Better in 2025?

Both platforms offer innovative, user-friendly ways to invest in 24K 99.99% pure gold — starting with as little as ₹10. Whether you’re a casual saver or a strategic investor, this guide will help you understand the difference between Jar and Gullak, and choose the right app for your gold savings journey.

✅ What Is the Jar App?

The Jar App is a micro-savings platform designed to help users invest spare change into digital gold. Founded by Nischay AG and Misbah Ashraf, the app rounds up your daily UPI transactions to the nearest ₹10 or ₹5 and invests the difference automatically. Think of it as a digital piggy bank that grows your wealth over time — without effort.

🔑 Key Features of the Jar App:

• Round-Up Savings: Automatically rounds up UPI transactions and invests the change in gold.

• Flexible Saving Options: Daily, weekly, or monthly savings (₹10 to ₹500).

• No Lock-In Period: Withdraw your savings after just 24 hours.

• Charges: 3% GST on gold purchases and approx. 2–3% buy-sell spread.

• Gold Purity: 24K 99.99% certified.

• Referral Bonus: ₹20 per referral.

✅ What Is the Gullak App?

Gullak, developed by Finternet Technologies Pvt Ltd, is another trusted app for investing in digital gold. It offers features like daily savings, UPI autopay, and a reward program for every investment made. It’s also one of the few apps that offer gold leasing through Gullak Gold+, allowing users to earn higher returns.

🔑 Key Features of the Gullak App:

• Daily, Round-Up & Lump Sum Investments: Start from just ₹10.

• Instant Withdrawals: No wait time to redeem your gold.

• Rewards: Earn rewards on every investment.

• Gold Leasing (Gullak Gold+): Earn higher returns through gold leasing.

• Physical Gold Redemption: Option to convert your digital gold to physical gold.

• Charges: 3% GST and approx. 2–3% buy-sell spread.

• Referral Bonus: ₹50 per referral.

📊 Jar vs Gullak: Feature Comparison Table

🎯 Unique Selling Points: Jar vs Gullak

✅ Why Choose Jar?

• Seamless savings through round-ups.

• Best for passive investors who want to build wealth effortlessly.

• Clean, beginner-friendly interface.

✅ Why Choose Gullak?

• More flexible with instant withdrawals.

• Better for active investors who want rewards and higher returns via gold leasing.

• Offers option to redeem digital gold as physical gold.

🏁 Conclusion: Jar or Gullak — Which App Should You Choose?

Both Jar and Gullak are excellent options for investing in digital gold, but your choice depends on your personal savings style:

• 👉 Choose Jar if you prefer a hands-off, automatic saving method that integrates with your daily expenses.

• 👉 Go with Gullak if you’re looking for greater rewards, instant liquidity, and gold leasing options for higher potential returns.

In 2025, as gold continues to be a reliable asset, apps like Jar and Gullak are making it easier than ever to start your digital gold investment journey — one rupee at a time.