SGB vs digital gold calculator
Enter the amount, gold price and the bond's details. See what each leaves you after tax.
- After GST and tax
- Tax-free SGB maturity
- Free, no sign-up
Gold and your tax return
Gold bonds, ETFs, funds and digital gold each have their own rules. Our experts report them correctly.
Questions people often ask
Is SGB interest taxable?
Yes, at your slab rate, in the year you receive it.
Are gold ETFs better?
They have no GST and are taxed at 12.5% after 12 months; compare costs and tax for your case.
Two ways to own gold
Both follow the gold price.
- Gold bonds: 2.5% interest, tax-free at maturity.
- Digital gold: 3% GST to buy, a spread to sell.
- Compare what each leaves after tax.
Last reviewed 9 October 2026. The rules in this calculator come from these official sources.
- Sovereign Gold Bond Scheme: FAQs Reserve Bank of India
Common questions
Are gold bond gains tax-free?
If you hold them to maturity, or redeem with the RBI after five years, yes: capital gains on redemption are exempt for individuals.
How are gold bonds taxed if I sell them on the exchange?
Held over 12 months: 12.5% on the gain. Held less: at your slab rate.
How is digital gold taxed?
Held over 24 months: 12.5% on the gain. Held less: at your slab rate. You also pay 3% GST when you buy.
Can I still buy new gold bonds?
No new bonds have been issued since 2024. You can buy existing ones on the stock exchange.
What interest do gold bonds pay?
2.5% a year on the issue price, paid every six months, taxable at your slab rate.
