Gold & Silver Investment Calculator
Calculate the future value of your gold and silver investments. See projected returns on physical gold, digital gold, Sovereign Gold Bonds, and Gold ETFs.
• Hedge against inflation and currency devaluation
• Historically stable store of value
• Consider storage and insurance costs
Your Gold Investment Results
Enter your details and click Calculate to see results
See Gold & Silver in Your Portfolio
Combine your precious metal investments with SIP, FD, NPS in our Wealth Calculator for a complete wealth view.
Gold as an Investment in India
Gold has been one of the most trusted stores of value in India for centuries. Beyond its cultural significance, gold serves as an effective portfolio hedge against inflation, currency depreciation, and equity market volatility. Over the last 20 years, gold has delivered approximately 10-12% CAGR in INR terms.
Ways to Invest in Gold in India
- Sovereign Gold Bonds (SGBs): Government-backed bonds that give 2.5% annual interest plus gold price appreciation. Most tax-efficient option — capital gains exempt if held to maturity.
- Gold ETFs: Exchange-traded funds tracking gold prices. Highly liquid, no storage concern, demat account required.
- Digital Gold: Buy 24K gold digitally via apps (Paytm, PhonePe). No minimum amount. Backed by physical gold in vaults.
- Physical Gold: Jewellery, coins, bars. High making charges (10-30% for jewellery) reduce effective returns.
- Gold Mutual Funds: Invest in Gold ETFs via mutual fund route. No demat account needed.
Silver vs Gold — Which is Better?
Silver is more volatile than gold and has significant industrial demand (electronics, solar panels, EVs). This gives silver higher upside potential but also higher downside risk. Most financial advisors recommend keeping precious metals to 5-10% of your portfolio, with gold as the primary allocation and silver as a smaller tactical position.
Frequently Asked Questions
How much gold should I have in my portfolio?
Most financial advisors recommend 5-10% of your total portfolio in gold as a hedge. It shouldn't be your primary wealth-building instrument — equity through SIP typically provides better long-term returns.
Are Sovereign Gold Bonds a good investment?
SGBs are the best way to invest in gold in India. They offer 2.5% annual interest (tax-free), gold price appreciation, and zero capital gains tax if held to the 8-year maturity. The only downside is illiquidity — early exit after 5 years via exchange at market price.
What return rate should I use for gold?
Historical gold returns in India over the last 20 years average around 10-12% CAGR in INR. However, gold returns are lumpy — there are long periods of low returns followed by sharp rallies. Use 8-10% for conservative planning.