Gold Investment Comparator
Compare returns from Sovereign Gold Bonds, physical gold, and digital gold.
Sovereign Gold Bond
₹2,05,093
Digital Gold
₹1,63,762
Physical Gold
₹1,53,400
At 8% assumed annual gold price growth over 8 years, Sovereign Gold Bond gives the highest maturity value of ₹2,05,093 — Sovereign Gold Bonds skip GST, making charges, and capital gains tax if held to maturity.
Gold investment comparison
| Option | Maturity value | Total gain |
|---|---|---|
| Sovereign Gold Bond | ₹2,05,093 | ₹1,05,093 |
| Digital Gold | ₹1,63,762 | ₹63,762 |
| Physical Gold | ₹1,53,400 | ₹53,400 |
How this calculator works
Gold can be held as a Sovereign Gold Bond (SGB), digital gold, or physical gold/jewellery — each with different upfront costs (GST, making charges) and tax treatment on maturity, which meaningfully changes your effective return even at the same gold price growth rate.
Worked example: investing ₹1,00,000 for 8 years at an assumed 8% annual gold price growth grows to approximately ₹2,05,093 in an SGB (thanks to bond interest and tax-free maturity gains), versus about ₹1,63,762 in digital gold and ₹1,53,400 in physical gold after accounting for GST, making charges, and capital gains tax.