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Sovereign Gold Bond (SGB) Returns Calculator

Model your Sovereign Gold Bond investments, forecast yield to maturity, and compare interest payouts versus live market discounts. This calculator combines daily market data with RBI-issued bond information so you can decide when to buy, hold, or exit.

Sovereign gold bond calculatorSGB returns calculatorSGB yield to maturity tool
1How the calculator works
  1. Select an SGB series.We pre-fill face value, maturity, and coupon data straight from RBI datasets so you start with accurate baselines.
  2. Enter units and exit horizon.Add how many grams you hold and when you expect to redeem or sell; we apply live market prices and fair value benchmarks.
  3. Compare the outputs.Instantly review yield to maturity, total interest earned, discount vs. premium, and post-tax estimates to benchmark scenarios.

Need a refresher on SGB concepts? Visit our FAQ hub for quick explainers on spreads, taxation, and liquidity.

When to use this SGB calculator

  • ● Benchmark discount vs. premium before entering a trade.
  • ● Estimate yield to maturity if you plan to exit early.
  • ● Project how the 2.5% coupon compounds across different position sizes and holding periods.

Tip: Pair this tool with our SGB comparison table to shortlist the best discounts.

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Sample projections

Example SGB scenarios

View live spreads

Long-term hold to maturity

Investor buys 10 units of SGB 2021-22 Series I and holds till 2030. The calculator shows cumulative coupon income of ₹5,000+ and final redemption pegged to the IBJA gold rate at maturity.

Discount capture before 5-year exit

Track a 3% discount entry and plan an exit in year five. Compare yield to maturity versus premium SGBs to decide whether to switch.

Ready to optimise your SGB strategy?

Explore live spreads, set automated alerts, and benchmark more bonds in the tools below.

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Interactive tool

Run your calculation

Enter your transaction details below to project total returns and yield for any Sovereign Gold Bond.

Calculator

Calculate potential returns on your Sovereign Gold Bond investments based on different parameters.

Current Market Information

Current Gold Price (₹/gram)

₹12,725

Last updated: 10/16/2025, 10:25:03 AM

Issue Price:₹6,263
Current Price:₹14,764.32
Interest Rate:2.5%
Valuation Metrics
Discount to Fair Value:
-8.90%OVERVALUED
Discount to Gold Price:
-16.03%PREMIUM
Yield to Maturity (YTM):
-1.12%ANNUALIZED
10 units
150100
10%
0%10%20%

Maturity in 6.4 years (Feb 2032)

30%
0%25%50%

Notes:

  • SGBs provide a fixed interest rate of 2.5% per annum on the initial investment (issue price).
  • Interest is paid semi-annually and is taxable as per your income tax slab.
  • Capital gains on SGBs held till maturity are tax-exempt.
  • If sold before maturity, long-term capital gains tax is applied at 12.5% without indexation.
  • This calculator assumes capital gains tax exemption at maturity.
  • Future gold price is calculated based on the current gold price and your expected appreciation rate.
  • Discount to Fair Value represents the percentage difference between the current market price and the calculated fair value.
  • Discount to Gold Price shows how much cheaper the SGB is compared to buying physical gold.
  • Yield to Maturity (YTM) represents the total return anticipated on the bond if held until maturity.
  • This calculator provides estimates based on your inputs and should not be considered financial advice.
FAQs

SGB calculator FAQs

How is Sovereign Gold Bond interest calculated?+

Every SGB pays a fixed 2.5% yearly coupon on the initial investment. Our calculator multiplies your invested amount by the 2.5% rate and prorates payouts across your holding period so you know what to expect in semi-annual credits.

What happens at maturity?+

The RBI redeems the bond based on the prevailing average gold price. The tool aggregates that redemption amount with total coupons to show gross returns, and you can compare it with earlier exit options.

Can I model taxes or partial exits?+

Yes—adjust the exit date to simulate long-term capital gains or early exits, and tweak units to test partial sell-offs. Combine these insights with your tax bracket for a full post-tax view.

Disclaimer: The SGB Returns Calculator is for educational use only and does not constitute investment advice. Actual returns depend on market conditions, applicable taxes, and your individual financial situation. Please consult a registered financial advisor before making investment decisions.