Pyllar vs Jar — a simple, honest comparison
Both apps make daily saving easy. One charges 3% GST on every rupee you invest. The other doesn't. Here's what's different.
Try Pyllar — ₹21/day💡 Jar uses digital gold — which attracts 3% GST on every purchase
Pyllar uses gold mutual funds — 0% GST. On ₹10,000 saved, you keep an extra ₹300. Every time.
Pyllar vs Jar — feature comparison
Updated April 2026. We've tried to be fair to both apps.
| Feature | Pyllar | Jar |
|---|---|---|
| Daily gold saving | ✓ Yes | ✓ Yes |
| Daily silver saving | ✓ Yes — ₹21/day | ✗ No |
| Minimum daily amount | ₹21/day | Varies |
| Asset type | Gold & Silver mutual funds | Digital gold (primarily) |
| ⭐ GST on purchase |
0% GST
mutual funds exempt |
3% GST
charged on digital gold |
| SEBI regulated (mutual fund) | ✓ Yes — AMFI ARN 341847 | Partly (digital gold ≠ mutual fund) |
| Investment held with | Licensed AMC (Aditya Birla, Nippon) | Digital gold custodian |
| Withdrawal | Anytime — 2-3 working days | Anytime |
This comparison is based on publicly available information. App features change — always verify on each app's website.
Where Pyllar stands out
0% GST — save ₹300 per ₹10,000
Digital gold (Jar) attracts 3% GST on every rupee you invest — before your money even hits gold. Pyllar uses gold mutual funds: 0% GST, by law. Over a year of daily savings, that GST gap compounds into thousands of rupees.
Daily silver SIP — unique to Pyllar
Pyllar is one of the only apps in India offering daily silver SIP alongside gold. Start a silver SIP from ₹21/day and build both metals at once.
AMFI-registered distributor
Pyllar operates as an AMFI-registered mutual fund distributor (ARN 341847). Your money goes into SEBI-regulated mutual funds, held directly with licensed AMCs.
₹21 minimum — built for daily earners
Most apps have higher minimums. Pyllar was designed for people who earn daily and want to save daily, starting from the cost of a cup of chai.
Common questions
Both let you save in gold daily. The main differences: Pyllar uses gold mutual funds (0% GST, SEBI-regulated as mutual funds), Jar primarily uses digital gold (3% GST, stored as physical gold). Pyllar also offers daily silver SIP — Jar does not. Both allow flexible daily amounts and easy withdrawal.
Pyllar offers daily silver SIP from ₹21/day — one of the only apps in India to do this. You can run gold and silver SIPs simultaneously and track both in grams inside the app.
Both track gold prices. Gold mutual funds (what Pyllar uses) are SEBI-regulated financial instruments with 0% GST and are held by licensed AMCs. Digital gold is a commodity product — you own physical gold stored in a vault. Key practical difference: digital gold attracts 3% GST on every purchase. For regular small investments, the 0% GST on mutual funds adds up over time.
Try Pyllar — gold & silver SIP from ₹21/day
SEBI-regulated. 0% GST. The only daily SIP app with both gold and silver. Start today.
Start ₹21 SIP on Pyllar →More comparisons & resources