Sovereign Gold Bond Calculator
Estimate SGB returns combining gold appreciation and fixed interest
Unit: gm
Unit: ₹
Unit: ₹
Unit: years
Capital Appreciation
₹16,000
Total Interest Income
₹12,400
Total Return
₹28,400
How this calculator works
Sovereign Gold Bond calculator — total returns from gold price appreciation plus 2.5% annual interest paid semi-annually.
Quick tips
- •Capital gains on SGB held to 8-year maturity are completely tax-free.
- •The 2.5% annual interest is paid semi-annually and is taxable as per your income slab.
- •Early exit is allowed after 5 years on interest payment dates.
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Sovereign Gold Bond Calculator
This Sovereign Gold Bond calculator estimates your total returns combining gold price appreciation and the guaranteed 2.5% annual interest paid by the Government of India.
Formula: Total Return = Gold Appreciation + Fixed Interest (2.5% p.a. on issue price)
- Capital gains on SGB held to 8-year maturity are completely tax-free.
- The 2.5% annual interest is paid semi-annually and is taxable as per your income slab.
- Early exit is allowed after 5 years on interest payment dates.
Frequently Asked Questions
Are SGB returns taxable?
Capital gains at 8-year maturity are fully tax-exempt. Interest income of 2.5% per year is taxable at your income tax slab rate.
How many SGBs can I buy?
Individuals can buy up to 4 kg per financial year. Trusts and similar entities can buy up to 20 kg.