SGB Analyzer

Salaried Employees

SGBs for Salaried Employees: Build Wealth Systematically

Smart gold investment strategy for regular income earners

As a salaried employee, you have a unique advantage: predictable monthly income. This allows you to plan and invest systematically in gold through SGBs, building wealth over your working years.

SGBs are particularly attractive for salaried individuals because of tax-free maturity gains (for original subscribers) and the ability to buy at discounts in the secondary market - maximizing returns on your hard-earned money.

Common Challenges

Limited surplus after monthly expenses
High tax burden on additional income
Don't know how to invest beyond EPF/PPF
Want gold but jewelry feels like waste of money
Need investments that don't require active management
Worried about retirement corpus

How SGB Helps

Buy in small amounts - 1 gram at a time
Tax-free maturity gains (original subscribers)
2.5% interest supplements salary income
No active management needed - buy and hold
Diversifies portfolio beyond EPF/PPF/FDs
Government backed - no worrying about safety
Builds retirement corpus alongside regular savings

Recommended SGBs for Salaried Employees

#	Symbol	Price	Discount	Yield	Maturity
1	SGBFEB32IV	₹17,812	-11.04%	-1.53%	Feb 2032

View interactive table with filters →

Investment Tips for Salaried Employees

1Allocate 5-10% of monthly surplus to gold/SGB
2Buy when you get bonus or increments - bulk at discounts
3Time SGB purchases when discounts are high (use SGB Analyzer)
4Stagger purchases across different series for maturity diversification
5Use interest income to reinvest or supplement EMIs
6Plan SGB maturities around retirement or major expenses
7Keep SGB allocation separate from emergency fund

Important Warnings

Don't compromise EPF contributions for SGB
Interest is taxable - factor in your slab rate
Not a substitute for equity investments for growth
Avoid if you have high-interest debt to repay

Calculate Your SGB Returns

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

Frequently Asked Questions

After meeting essential expenses and EPF/PPF contributions, allocate 5-10% of surplus to gold via SGB. For someone saving ₹20,000/month, ₹1,000-2,000 can go to SGB systematically.

Do both for diversification. PPF gives guaranteed returns with Section 80C benefit. SGB provides gold exposure with tax-free maturity. They serve different purposes in your portfolio.

Yes, through secondary market. Use any broker to buy SGB units whenever you have surplus. Unlike primary issues (which are periodic), secondary market is always available.

Yes, the 2.5% annual interest is added to your 'Income from Other Sources' and taxed at your slab rate. No TDS is deducted, but report it in ITR. Maturity gains are tax-free for original subscribers.

For long-term holding (5+ years), SGB is better due to tax-free maturity and interest income. Gold ETF may suit if you need more liquidity or want to rebalance frequently.

Explore More

Best SGBs by Discount SGB vs Gold ETF Buy SGB on Zerodha

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