Gold Investment Calculator
Compare Physical Gold, SGB, Gold ETF, and Digital Gold — returns, taxes, costs, and 10-year projections.
🪙 Investment Details
📋 Detailed Comparison
📈 Growth Projection
🏛️ Tax Treatment Summary
🏆 Our Recommendation
💡 Gold Investment Tips
Gold should be 5-15% of your portfolio — a hedge against inflation and currency depreciation, not a primary growth asset.
SGB gives 2.5% annual interest + gold price appreciation + tax-free capital gains on maturity (8 years). Best for long-term.
Gold ETFs offer instant liquidity on exchanges. Ideal for tactical allocation — buy/sell anytime during market hours.
Physical gold has 8-20% making charges + 3% GST + storage costs + purity risk. Resale value is always lower than spot price.
Frequently Asked Questions
Yes, for pure investment. SGB offers 2.5% annual interest on top of gold price appreciation, has zero storage cost, no making charges, and capital gains are tax-free if held till maturity (8 years).
Physical gold: ₹5,000+, SGB: 1 gram (~₹7,000-8,000), Gold ETF: 1 unit (~₹500-700), Digital Gold: as low as ₹1.
Physical Gold & Digital Gold: Under 3 years — taxed as per slab; Over 3 years — 20% with indexation. Gold ETF: Same as debt funds (taxed at slab rate). SGB: Tax-free capital gains on maturity; 2.5% interest taxed at slab rate.
⚖️ Related Laws & Guides
💎 Physical Gold Buying Guide
Buying bullion, jewelry and coins with making-charge, purity and resale guidance.
🥇 Gold Regulations in India
Hallmarking, GST, import duty, SGB rules, gold loans and resale taxation.
🥈 Silver Regulations in India
Useful for comparing precious-metal tax treatment, ETF rules and bullion compliance.
⛏️ Metals & Minerals Laws
Platinum, diamonds, lithium, rare earths and MMDR-based trade and mining rules.