sgb-analyzer-logo

SGB Analyzer

Free

SGB Tax Calculation Worksheet

Calculate tax implications of your SGB investments

SpreadsheetExcel / Google SheetsFree

Calculate taxes on your SGB investments

**Understand Your SGB Tax Liability**

This worksheet helps you calculate taxes on your SGB investments: - Interest income tax (taxable at slab) - Capital gains tax (if applicable) - Tax-free maturity benefits (for original subscribers)

**Budget 2026 Rules Applied:** - Original subscriber maturity: Tax-free - Secondary market buyer: 12.5% LTCG - Interest: Slab rate for all

Features Included

Interest income calculator
Capital gains calculator
Tax-free maturity identifier
Slab rate selector
Year-wise tax projection
ITR reporting helper
Advance tax estimation
Documentation checklist

How to Use This Template

1

Enter your SGB holdings and acquisition details

2

Specify your income tax slab

3

Review calculated interest income and tax

4

For sales, calculate capital gains tax

5

Use for ITR filing reference

**Disclaimer:** This template/tool is provided for educational and informational purposes only. It is NOT a substitute for professional financial advice. Results and calculations are estimates and may not reflect actual outcomes. Please consult a qualified financial advisor before making investment decisions. We are not responsible for any losses incurred from using this template. **Tax Disclaimer:** Tax calculations are based on our understanding of Budget 2026 provisions. Tax laws change frequently. Please consult a qualified Chartered Accountant for accurate tax filing.

Calculate Your SGB Returns

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

Frequently Asked Questions

Only for original subscribers (bought from RBI primary issues). Secondary market buyers (from exchanges) pay 12.5% LTCG on maturity gains without indexation.
SGB interest goes under 'Income from Other Sources'. The worksheet provides the figures you need to report. No TDS is deducted on SGB interest.
Yes, the worksheet generates a summary that can be shared with your CA. However, final tax filing should be reviewed by a qualified professional.

More Templates & Tools

Related Resources

View Real-Time SGB Prices

Track all 70+ SGBs with live prices, discounts, yields, and more. Updated every few minutes.