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 (after 3 years) applies at 20% with indexation benefits.
• 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.