🏆 SGB Calculator

Sovereign Gold Bond Calculator: Complete Guide to Calculate Your Returns in 2025

In India, gold is not only purchased for jewelry but is also bought as an investment. But with changing times, the way of investing in gold has changed. Earlier, gold was purchased in the form of coins and jewelry, but if you want to buy gold in large amounts, then you cannot keep that gold at home because it is not safe. Therefore, for people who want to invest in gold, the government has launched a secure scheme called the Sovereign Gold Bond (SGB) Scheme, in which you can invest in gold digitally, and you also get a fixed return on your entire investment.

What is a Sovereign Gold Bond (SGB)?

Sovereign Gold Bond is an investment scheme launched by RBI, i.e., the Central Government. In this scheme, investors can invest in gold without purchasing physical gold, and the government guarantees to give you a fixed return every year.

If you invest in this scheme, you will be given a digital gold bond whose value is equal to 1 gram of real gold.

What is a Sovereign Gold Bond Calculator?

Sovereign Gold Bond Calculator is an online tool through which you can know the current value of the gold bond you purchased, helping you find out how much total profit you have earned.

The SGB Calculator mainly calculates in the following way:

• How many grams of gold you invested in
• The purchase price of SGB and the estimated price of gold at maturity
• Annual interest received (2.5% Annual Interest)

Understand with an example:

If you invested in 10 grams of gold —
And at that time, the price of 1 gram was ₹6,000,
Then your total investment was ₹60,000.

Now, under the SGB scheme, you will get 2.5% interest every year.
Meaning ₹60,000 × 2.5% = ₹1,500 interest per year.

If the price of gold becomes ₹8,000 per gram after 8 years,
Then at maturity, you will receive ₹80,000 + ₹12,000 interest = ₹92,000.

Meaning you made a total profit of ₹32,000 (₹60,000 → ₹92,000).

How does the Sovereign Gold Bond Calculator work?

The Sovereign Gold Bond Calculator works in the following way:

• First, you need to select the SGB Series of the gold bond you purchased.
• Then you need to enter the amount of gold you bought.
• After that, you must enter the interest rate, which is 2.5%.
• Enter the time duration for which you invested in it, like 5, 6, or 8 years.
• After this, you must enter the current gold price that is running in the market.

Why use the Sovereign Gold Bond Calculator?

With the help of the SGB Calculator, you can know the current value of your investment so far, and you can also know how much profit you will get from it.

Main Benefits

• Estimate of interest and gold price
• Tax-free capital gain
• Compare whether SGB is better than FD or Physical Gold
• Long-term projection of investment

How to invest in Sovereign Gold Bond?

Through Bank

To invest in Sovereign Gold Bond, you can apply through any bank and you will get this gold bond.

Through Online Medium

If you do not want to go to the bank to invest, you can also invest online using Net Banking, UPI Payment, or the e-Gold Portal.

Through Post Office

You can also invest in SGB through the post office since this facility is also available there.

How is interest received in Sovereign Gold Bond?

The interest rate in SGB is fixed at 2.5% per year. This interest is credited directly to your bank account every 6 months.

Example:

If you invested ₹1,00,000,
Then every 6 months you will receive ₹1,250 interest.
And in 8 years, the total interest will reach ₹20,000.

Tax Rules for Sovereign Gold Bond

• Interest is taxable (as per Income Tax Slab)
• But capital gain tax is not applicable at maturity (Tax-Free)
• If you sell before 8 years, you may have to pay some tax

Example of Sovereign Gold Bond Calculator