🥇 Gold

Gold Investment Analyser

Compare every gold investment option in India — cost, returns, tax, and liquidity

Gold is a core part of every Indian household's wealth — but most Indians still buy physical gold despite it being the most expensive and least efficient way to invest. This tool compares all four gold investment options — physical gold, Gold ETF, Sovereign Gold Bond, and gold mutual funds — on cost, return, tax, and liquidity so you make the right choice.

🎯 Try It Free — Gold Investment Analyser

Estimated Result

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🔒 Full analysis, detailed breakdown, and PDF export available on paid plans.

Who Is This Tool For?

Designed specifically for Indian businesses and professionals

  • Indian investors looking to add gold to their portfolio
  • HNIs comparing SGB with physical gold buying
  • Parents buying gold for children's future
  • Investors looking to reduce jewellery buying and switch to financial gold
  • NRIs investing in gold-linked Indian instruments
How It Works

Simple 3-step process — results in under 2 minutes

  1. Enter your investment amount and select gold type
  2. Set your holding period and income tax bracket
  3. Get cost breakdown, expected returns, and post-tax corpus
  4. Compare all four options side by side
Industry Benchmarks

Compare your numbers against Indian industry standards

SGB Interest Rate
2.5% per year
SGB Maturity Period
8 years
Capital Gains at SGB Maturity
Fully tax-exempt
Gold ETF Expense Ratio
0.3–0.5% per year
Physical Gold Making Charges
3–25%
Gold in Portfolio (Recommended)
5–15%
Frequently Asked Questions

Sovereign Gold Bond (SGB) is issued by RBI on behalf of the Government of India. It gives exposure to gold price movements plus 2.5% annual interest on the issue price. Held to maturity (8 years), the capital gains are completely tax-exempt. No storage cost, no making charges, no GST. For long-term investors, SGBs offer the best gold investment in India.

Physical gold: 3–25% making charges plus 3% GST — expensive and loses value on resale. Gold ETF: 3% GST exempted, 0.3–0.5% annual expense ratio, no making charges. SGB: no charges, plus 2.5% annual interest, tax-free at maturity. Digital gold: 3% GST, 0.25% platform fee. Clearly SGBs win for cost efficiency over 8 years.

Financial advisors recommend 5–15% allocation to gold as a hedge against inflation and currency risk. Gold typically moves inversely to equity markets during stress periods — gold rose 25% during the 2020 COVID crash when Nifty fell 38%. More than 20% in gold sacrifices long-term growth potential significantly.

Gold ETF held over 24 months: LTCG at 12.5%. Physical gold held over 24 months: LTCG at 12.5%. Both now taxed equally. SGB held to maturity (8 years): capital gains entirely tax-exempt — the most tax-efficient gold investment available in India.

The Reserve Bank of India issues SGBs in tranches throughout the year. Dates are announced on the RBI website typically 2–4 weeks in advance. SGBs can also be traded on stock exchanges before maturity at market price, providing liquidity if needed before the 8-year maturity period.

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Customer Reviews
VR
★★★★★

Finally a tool that understands Indian GST, TDS, and compliance requirements. The outputs are board-ready. Using it every week now.

SK
★★★★★

I was skeptical at first but the tool genuinely delivers what it promises. The free preview was enough to convince me to subscribe.

PN
★★★★☆

Clean UI, accurate calculations, and the WhatsApp support is actually responsive. A solid product for any Indian SMB owner.

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