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SGB Returns Calculator

Estimate your potential returns from Sovereign Gold Bonds

Use this calculator to estimate potential returns from your SGB investment. The calculator considers the 2.5% annual interest payment and potential gold price appreciation to give you an estimated total return.

**Note:** SGBs offer two sources of returns: 1. **Fixed Interest:** 2.5% per annum on initial investment, paid semi-annually 2. **Gold Price Appreciation:** Linked to prevailing gold prices at maturity

SGB Returns 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 or number of units

2

Specify your purchase price per gram

3

Set expected gold price growth rate (historical average: 8-10% p.a.)

4

Choose your investment horizon

5

View estimated returns breakdown

Inputs Required

  • Investment Amount (₹) (e.g., 100000)
  • Purchase Price per Gram (₹) (e.g., 6000)
  • Expected Annual Gold Growth (%) (e.g., 8)
  • Holding Period (Years) (e.g., 8)

Results You Get

  • Total Interest Earned
  • Estimated Capital Gains
  • Total Estimated Returns
  • Effective Annual Yield
**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

This calculator provides estimates based on your inputs. The 2.5% interest is guaranteed, but gold price appreciation depends on market conditions. Actual returns may differ from estimates.
The calculator shows pre-tax returns. For original SGB subscribers, maturity gains are tax-free (Budget 2026 rules). Interest income is taxable at your slab rate. Secondary market buyers pay 12.5% LTCG on gains.
Historical gold returns in India have averaged 8-10% annually over long periods. However, past performance doesn't guarantee future returns. Use conservative estimates for planning.

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