Bonds
SGB Calculator
Sovereign Gold Bond returns over 8 years.
How to use this
Adjust the sliders and the result updates instantly. The figure uses standard formulas and current FY 2025-26 rates — treat it as an estimate to compare your options, then confirm the exact terms with your bank, fund or the department.
Total return (8 yr)
₹2.05L
Maturity₹1.85L
Interest (2.5%)₹20K
₹1,00,000 in SGBs earns ₹20,000 interest plus growth to ₹1,85,093 — ₹2,05,093 total, gains tax-free at maturity.
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Explore gold investment options
SGBs, gold ETFs & digital gold.
Know the scheme: Sovereign Gold Bond (SGB)
| Interest | 2.5% p.a. on the issue price, paid half-yearly (taxable) |
| Tenure | 8 years; exit window from the 5th year on interest dates |
| Tax | Capital gains at maturity are tax-free for individuals |
| Denomination | Grams of gold, minimum 1 gram |
| Note | Fresh SGB issues are currently paused; existing series trade on the exchanges |
Key rules
- You track the gold price AND earn 2.5% interest — physical gold and ETFs pay nothing.
- Bonds are held in demat or certificate form and can be traded on NSE/BSE, usually at a small discount.
- Redemption price is based on the average gold price of the preceding days, published by RBI.
Frequently asked
Is the SGB Calculator free to use?
Yes — every Arthly calculator is free, with no sign-up or app install required.
How accurate is the SGB Calculator?
It uses standard financial formulas and current FY 2025-26 rates. Results are estimates to help you plan, not personalised financial advice — confirm details with your bank, fund or the relevant department.