Investment Calculator
Sovereign Gold Bond (SGB) Calculator
Calculate the maturity value of Sovereign Gold Bonds (SGBs). Includes 2.5% annual interest and gold price appreciation.
- Principal Invested
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- Interest Earned (2.5% p.a.)
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- Maturity Value (gold appreciation)
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- Total Return
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- CAGR (%)
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SGB interest (2.5% p.a. on issue price) is taxable. Capital gain on maturity is tax-exempt for individuals. Rates current as of 2025. Not financial advice.
Frequently Asked Questions
What are Sovereign Gold Bonds (SGBs)?+
SGBs are government-issued bonds denominated in grams of gold, paying 2.5% annual interest on the issue price, with maturity value linked to gold price.
Is SGB interest taxable?+
Yes. The 2.5% annual interest is added to your income and taxed at your slab rate. Capital gains on maturity are tax-exempt for individual investors.
What is the SGB tenor?+
8 years, with an exit option after the 5th year on the interest payment dates.
How is SGB maturity value calculated?+
Maturity value = number of grams × prevailing gold price on maturity date (average of IBJA price 3 days before maturity).
Can NRIs invest in SGBs?+
No. SGBs are only available to resident Indian individuals, HUFs, trusts, universities, and charitable institutions.