Yeah and etf is the most liquid and easiest and best way to invest in gold.
^^ according to my experience. I have tried to buy gold via phone pe and Paytm, the spread is too much.
Heard about this scheme from Tata Tanishq where you contribute for 11 months and they pitch in for the 12th installment. In turn I can buy at the end of 12 months by paying only for 11 months.