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SGB Tax Calculator

Understand the tax implications of your SGB investment

Calculate the tax implications of your Sovereign Gold Bond investment. Tax treatment varies based on how you acquired the SGB and when you sell.

**Budget 2026 Tax Rules (Effective April 2026):** - **Original Subscribers:** Maturity gains are TAX-FREE - **Secondary Market Buyers:** 12.5% LTCG on gains (no indexation) - **Interest Income:** Taxable at your income tax slab rate for all investors - **Sale on Exchange (before maturity):** LTCG rules apply

SGB Tax Calculator

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

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How to Use This Calculator

1

Select how you acquired the SGB (primary issue or secondary market)

2

Enter your purchase price and expected sale/maturity price

3

Specify your income tax slab

4

View detailed tax calculation breakdown

Inputs Required

  • How did you acquire?
  • Total Purchase Price (₹) (e.g., 100000)
  • Expected Sale/Maturity Value (₹) (e.g., 150000)
  • Holding Period (Years) (e.g., 8)
  • Your Income Tax Slab (%)

Results You Get

  • Capital Gains
  • Tax on Capital Gains
  • Tax on Interest (estimated)
  • Total Tax Liability
  • Post-Tax 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. **Tax Disclaimer:** Tax laws are subject to change. The calculations are based on current understanding of Budget 2026 provisions. Please consult a qualified tax professional or CA for personalized tax advice.

Calculate Your SGB Returns

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

Frequently Asked Questions

For original subscribers (bought from RBI primary issue), maturity gains are tax-free under Budget 2026 rules (effective April 2026). Secondary market buyers pay 12.5% LTCG without indexation benefit.
The 2.5% annual interest is added to your income and taxed at your applicable slab rate. No TDS is deducted, but you must report it in your ITR.
Gains from selling on exchange are treated as capital gains. If held for more than 12 months, LTCG of 12.5% applies (no indexation). If sold within 12 months, STCG at your slab rate.

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