Sovereign Gold Bond Calculator
The single most tax-efficient way to own gold in India: 2.5% coupon + capital gain (tax-free on maturity).
Long-run average ~8–10%; volatile year to year
SGBs run for 8 years; exit allowed after 5
The main NetCorpus India planner rolls this into a 50-year retirement plan alongside your loans, EPF, taxes, trips, and life goals.
Sovereign Gold Bond return calculator — a fixed annual coupon paid on the bond's face value, plus whatever gold price appreciation you assume over the holding period.
Total return = annual coupon (paid semi-annually on the original investment) + capital appreciation on redemption value, tracked against the gold price you assume. If held to maturity (8 years), capital gains are entirely tax-free — a meaningful advantage over physical gold or gold ETFs, where capital gains are taxable.
10 grams at ₹8,500/gram (₹85,000 invested) with a 2.5% annual coupon and 9% assumed gold price appreciation over 8 years produces both a steady coupon income stream and a tax-free capital gain at redemption — a combination physical gold can't match.
Is SGB really better than physical gold?▾
For pure investment purposes, usually yes — no making charges, no storage/theft risk, a 2.5% annual coupon on top of price appreciation, and tax-free gains if held to the full 8-year maturity. Physical gold's advantage is liquidity and cultural/ceremonial use, not investment returns.
Can I exit before 8 years?▾
Early redemption is allowed from year 5 on interest-payment dates, or you can sell on the stock exchange anytime if the bond is listed — but the tax-free capital gains benefit only applies to holding until the full 8-year maturity.