SGB Calculator India 2026 - Sovereign Gold Bond Returns & Interest

An SGB Calculator estimates the potential value of a Sovereign Gold Bond investment based on your gold-price growth assumption, holding period, and the fixed 2.5% interest component. This is a planning tool only — gold prices fluctuate and returns are not guaranteed.

SGB returns come from two sources: gold price movement (which can rise or fall) and a fixed 2.5% annual interest paid by the government on the initial invested amount. Use low, base, and high gold-price growth scenarios to see a realistic range rather than a single number.

Capital gains on RBI redemption at maturity (8 years) are exempt from tax under prevailing rules. The 2.5% interest, however, is taxable each year as per your income tax slab. This is not tax advice — consult a qualified tax professional for your exact situation.

RBI redemption is available from year 5 onward on specific interest-payment dates. You can also sell on the stock exchange earlier, but the selling price depends on secondary-market demand and can trade above or below the underlying gold value, and the tax-free capital-gains treatment applies only to RBI redemption at full 8-year maturity.

No new tranches have been issued since Series IV of 2023-24 (February 2024), and the Government has signalled the scheme is effectively discontinued for fresh issuance. This calculator remains useful for tracking the maturity value of SGBs you already hold, or for buying existing SGB units on the stock exchange, where they continue to trade.