Gold Returns Calculator
Calculate returns on physical gold & Sovereign Gold Bonds. SGB includes 2.5% annual interest & tax benefits.
Frequently Asked Questions
What are the ways to invest in gold?
Physical gold (coins/bars), Gold ETFs, Sovereign Gold Bonds (SGBs), Digital Gold, and Gold Mutual Funds. SGBs are best for long-term (8 years) as they offer 2.5% annual interest + capital gains tax exemption at maturity.
What has been gold's historical return in India?
Gold has delivered ~10-11% CAGR in INR over the last 20 years. In USD, it is ~8%. The extra return in INR comes from rupee depreciation against the dollar (~3-4% annually).
Is gold a good investment?
Gold is a hedge against inflation and currency depreciation. Allocate 5-15% of your portfolio to gold for diversification. It tends to do well during market crashes and geopolitical uncertainty.
How is gold taxed?
Physical gold/Gold ETFs: LTCG (after 24 months) at 12.5%. STCG at slab rate. SGBs: interest taxed at slab rate, but LTCG is TAX-FREE at maturity (8 years). SGBs are the most tax-efficient.
What is Sovereign Gold Bond?
SGBs are government securities denominated in grams of gold. They pay 2.5% annual interest, have an 8-year tenure (early exit from 5th year), and LTCG is exempt at maturity. Best way to invest in gold.