5 BEST GULLAK
ALTERNATIVES IN INDIA
Gullak makes saving gold automatic and effortless. But if you want Bitcoin cashback, silver, or a more rewarding experience — here are your best options.
WHY PEOPLE LOOK FOR GULLAK ALTERNATIVES
Gullak is gold-only with no crypto integration. OroPocket is the only Indian app that gives you Bitcoin cashback on every gold purchase — up to 5% in satoshis.
Gullak only offers gold. Many investors want silver too — it often outperforms gold in precious metal bull markets. OroPocket has both.
Gullak has basic savings streaks but no milestone bonuses, spin-to-win mechanics, or Bitcoin rewards. If saving feels like a game you want to win, Gullak’s engagement is thin.
Gullak’s automation is elegant but passive. Intentional investors want to set defined SIP amounts and timelines — not let an algorithm decide when and how much to save.
THE 5 BEST GULLAK ALTERNATIVES
Ranked by relevance for active gold investors.
- ✓Up to 5% Bitcoin cashback on every gold/silver purchase — Gullak has none
- ✓Silver investment alongside gold
- ✓Deep gamification: streaks, BTC milestones, spin-to-win rewards
- ✓50+ free tools: live gold rates, Satoshi calculator, making charges calculator
- ✓Start from just ₹1 — Gullak’s minimum is ₹10
- ✓Full SIP control — you set the amount and schedule
- ✗No smart spending-trigger automation (Gullak’s signature feature)
- ✓Round-up automation: saves spare change from every UPI transaction
- ✓10M+ users — more established than Gullak
- ✓Also offers FD, credit, and insurance in one app
- ✗No Bitcoin cashback
- ✗No silver
- ✗Expanding into too many products
- ✓Gold ETFs are SEBI-regulated — highest regulatory protection
- ✓Combined view: gold + stocks + mutual funds in one portfolio
- ✓Trusted by 40M+ investors
- ✗No Bitcoin cashback
- ✗No silver as digital gold
- ✗No gamification
- ✓Backed by PhonePe’s 500M+ user base
- ✓MMTC-PAMP gold — premium custodian
- ✓Seamlessly integrated with UPI payments
- ✗Gold is a side feature, not the focus
- ✗No Bitcoin, silver, or gamification
- ✓Both gold AND silver investment
- ✓Large existing Paytm user base
- ✓Multi-purpose super-app convenience
- ✗Gold/silver are minor features in a giant app
- ✗No Bitcoin or gamification
SIDE-BY-SIDE COMPARISON
Scroll right to see all features.
| Feature | OroPocket | Gullak | Jar | Groww | PhonePe |
|---|---|---|---|---|---|
| Digital Gold | ✅ | ✅ | ✅ | ✅ | ✅ |
| Silver Investment | ✅ | ❌ | ❌ | ❌ | ❌ |
| Bitcoin Cashback | ✅ Up to 5% | ❌ | ❌ | ❌ | ❌ |
| Auto Round-ups | ❌ | ✅ | ✅ | ❌ | ❌ |
| Smart Savings Triggers | ❌ | ✅ | Partial | ❌ | ❌ |
| Deep Gamification | ✅ | Minimal | Basic | ❌ | ❌ |
| Active SIP Control | ✅ | Partial | Partial | ✅ | Partial |
| Gold ETF Option | ❌ | ❌ | ❌ | ✅ | ❌ |
| Free Tools & Calculators | ✅ 50+ | ❌ | ❌ | Basic | ❌ |
| Minimum Investment | ₹1 | ₹10 | ₹1 | ₹1 | ₹1 |
| App Rating | 4.8★ | 4.3★ | 4.4★ | 4.4★ | 4.3★ |
WHICH ALTERNATIVE IS RIGHT FOR YOU?
- →Want to earn Bitcoin while investing in gold
- →Want silver investment alongside gold
- →Are motivated by streaks, milestones & rewards
- →Prefer active, intentional SIP over automation
- →Want free tools to track live gold rates
- →Are Gen-Z or millennial who wants saving to feel engaging
- →Want the cleanest, most minimalist gold saving app
- →Love smart automation that learns your spending
- →Have no interest in Bitcoin, crypto, or rewards
- →Prefer zero feature complexity
- →Are a complete beginner who wants zero setup
HOW TO SWITCH FROM GULLAK
Takes about 15–20 minutes.
Screenshot your Gullak gold balance and transaction history.
Sell your gold. Funds settle to your bank in T+1 business days.
Download the app. Sign up with your phone number in under 2 minutes.
Set up your SIP. Bitcoin cashback starts on your very first ₹1.
FREQUENTLY ASKED QUESTIONS
OroPocket is the best Gullak alternative for users who want Bitcoin cashback on gold, silver investment, and deeper gamification. For purely automated saving, Gullak remains clean and focused. For SEBI-regulated gold, try Groww.
Not directly. You’ll need to sell on Gullak, wait for T+1 settlement, then reinvest on OroPocket. This is the standard process across all digital gold platforms.
OroPocket is the only digital gold app in India that gives Bitcoin cashback — up to 5% in satoshis on every gold and silver purchase.
Digital gold apps like Gullak and OroPocket use regulated custodians (Augmont, MMTC-PAMP) with insured, BIS-certified vaults. However, digital gold is not SEBI-regulated. For regulated investment, consider Gold ETFs via Groww or Zerodha.
Want a direct head-to-head comparison?
SEE OROPOCKET VS GULLAK IN DETAIL →STOP WATCHING.
START GROWING.
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