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Investing · Reviewed 7 October 2026

SGB vs Digital Gold vs ETF Calculator

Compare acquisition costs, coupon cash and entered exit-tax assumptions.

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Your inputs
Your result

Estimate based on your inputs and stated assumptions. It is not a guarantee of returns, rates, eligibility or tax outcome.

Methodology by Finpockett · See how calculators are built and checked

Worked example

A starting scenario, with the assumptions shown

These are the calculator’s starting inputs, used to illustrate the method. They are not a recommended plan. Changing the inputs above updates the interactive result; this example remains a fixed reference.

View the example inputs
Acquisition budget₹1,00,000
SGB original nominal value held₹1,00,000
Assumed gold-price growth6%
Planning horizon8 years
SGB issued-contract coupon2.50%
Slab rate on coupons30%
Digital-gold buy cost including GST/spread3%
Digital-gold selling spread1%
ETF annual fee/tracking drag0.50%
Applicable SGB exit-tax rate0%
Applicable digital/ETF exit-tax rate12.50%
ResultIllustrative value
SGB assumed sale/redemption proceeds₹1,73,145
SGB coupons after income tax (not reinvested)₹13,760
Digital gold after entered exit tax₹1,46,280
ETF after entered exit tax₹1,46,518

SGB coupon uses original nominal subscription value, not secondary-market purchase price. Enter the applicable SGB exit tax: eligible individual redemption can be exempt; exchange sale differs. New SGB issuance is not assumed available. Digital buy cost includes entered GST/spread; ETF drag is approximate. Verify acquisition route, holding period and current tax classification.

Understand the calculation

What is a SGB vs Digital Gold vs ETF Calculator?

Compare acquisition costs, coupon cash and entered exit-tax assumptions. Secondary-market SGB price can differ from nominal value. Individual redemption and exchange-sale tax treatment differ; new issuance is not assumed.

Use the inputs that describe your actual situation. Change one assumption at a time, compare the results, and read the scope note alongside the number. The tool calculates a stated scenario; it does not decide whether an investment, policy or tax treatment is suitable for you.

Method and assumptions

Net proceeds = price value − entered costs/taxes + non-reinvested coupons

Secondary-market SGB price can differ from nominal value. Individual redemption and exchange-sale tax treatment differ; new issuance is not assumed.

Read the result with these boundaries

Secondary-market SGB price can differ from nominal value. Individual redemption and exchange-sale tax treatment differ; new issuance is not assumed.

Check the inputs before acting

Confirm actual costs, dates, eligible amounts and product terms from your records. Compare a conservative case and an adverse case rather than relying on the default inputs. A result can change substantially when return, tax, contribution or cost assumptions change.

Frequently asked questions

What does this tool calculate?

Compare acquisition costs, coupon cash and entered exit-tax assumptions. Net proceeds = price value − entered costs/taxes + non-reinvested coupons

What is outside its scope?

Secondary-market SGB price can differ from nominal value. Individual redemption and exchange-sale tax treatment differ; new issuance is not assumed.

Are the default inputs a recommendation?

No. Defaults are worked scenarios. Use your own verified amounts and test more than one assumption.

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