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SGB vs Other Investments Calculator

Compare SGB returns with alternative investment options

Compare the potential returns from Sovereign Gold Bonds with other popular investment options like Fixed Deposits, Gold ETFs, PPF, and physical gold.

**Investment Options Compared:** - **SGB:** 2.5% interest + gold price appreciation, tax-free maturity (original subscribers) - **Gold ETF:** Pure gold price returns minus expense ratio (~0.5% p.a.) - **Fixed Deposit:** Fixed interest (5-7% typically), fully taxable - **PPF:** 7.1% interest, tax-free, 15-year lock-in - **Physical Gold:** Gold price returns minus making/storage charges

SGB vs Other Investments Calculator

Interactive calculator coming soon. Use our main calculator for now.

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How to Use This Calculator

1

Enter your investment amount

2

Set your investment horizon

3

Input expected returns for each option

4

Compare side-by-side results

Inputs Required

  • Investment Amount (₹) (e.g., 100000)
  • Investment Period (Years) (e.g., 8)
  • Expected Gold Growth (% p.a.) (e.g., 8)
  • FD Interest Rate (% p.a.) (e.g., 7)
  • Your Tax Slab (%)

Results You Get

  • SGB Total Returns
  • Gold ETF Returns
  • FD Returns (post-tax)
  • PPF Returns
**Disclaimer:** This calculator is for educational and informational purposes only. The results are estimates based on assumptions and historical data. Actual returns may vary significantly based on market conditions, gold price fluctuations, and other factors. This is NOT investment advice. Please consult a SEBI-registered financial advisor before making any investment decisions. Past performance does not guarantee future results.

Calculate Your SGB Returns

Use our calculator to estimate your potential returns based on investment amount and holding period.

Frequently Asked Questions

SGB offers 2.5% extra interest and tax-free maturity for original subscribers. Gold ETF has better liquidity but charges expense ratio. For long-term holding (5+ years), SGB typically outperforms.
Different purposes - FD for stable, guaranteed returns; SGB for gold exposure with interest. SGB has price risk but potential for higher returns and tax benefits at maturity.
SGB offers additional 2.5% interest, no storage costs, no purity concerns, and tax-free maturity. Physical gold has immediate liquidity and no lock-in but has making charges and storage risks.

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