Sovereign Gold Bond Calculator

SGB returns including 2.5% interest

10
₹6,500
₹
8 years
yrs

8-year maturity, exit allowed from year 5

8%
%
Total Return (Maturity + Interest)
₹1,33,310
+₹55,310 capital gain alone
Principal Invested₹65,000
Interest @ 2.5% (taxable)₹13,000
Maturity Value₹1,20,310
Total Return₹1,33,310
What this means for you
SGBs are tax-magical: 2.5% interest is taxable, but capital gains at maturity are FULLY EXEMPT (held 8 years). Best for long-horizon gold exposure.
What to do next
Lumpsum returns comparison
Future gold price is uncertain — assumes historical 8% INR-denominated gold growth.
Per RBI SGB Scheme
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Formula & SourceSovereign Gold Bond Calculator
Interest = Principal × 2.5% × Years (paid semi-annually, taxable)
Maturity = Grams × Future Price
Future Price = Issue Price × (1 + GoldGrowth/100)^Years
Total = Maturity + Interest

Capital gain at maturity (8y): TAX-FREE (Section 47(viic))
Source: RBI Sovereign Gold Bond Scheme; Section 47(viic) IT Act

Frequently Asked Questions

No storage cost, no purity risk, 2.5% interest on top, capital gains exempt at maturity.
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