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Sovereign Gold Bond Calculator

Calculate your Sovereign Gold Bond returns — including interest and maturity value — for both primary and secondary market investments with our easy online tool.

What is a Sovereign Gold Bond (SGB) Calculator?

A Sovereign Gold Bond Calculator helps you estimate how much you’ll earn from your SGB investment over time, whether bought directly from the RBI or on the stock market. It works for both fresh issues from the Primary Market and bonds traded in the Secondary Market on platforms like Zerodha, Groww, or your bank’s portal.

SGBs are secure, government-backed investments that provide fixed interest in addition to the value of gold. Calculating your returns manually can be complicated and prone to errors, especially when comparing primary versus secondary market purchases or different holding periods.

Using our SGB Interest & Maturity Return Calculator, you can:

  • Get accurate results for 'SGB interest calculator primary vs secondary'.
  • Forecast maturity value for ‘Sovereign Gold Bond return calculator India’.
  • Compare investment outcomes across different holding periods — easy to use even for beginners.
  • Save time and reduce mistakes in your financial planning.
  • This tool makes it easy even for beginners to plan and understand their investment returns clearly.

How Does the SGB Return Calculator Work?

The tool uses the standard formula for simple interest (not compound), since SGBs pay 2.5% interest every year, credited twice annually.

  • Primary Market: Enter the amount invested (including any online discount) and the bond issue details.
  • Secondary Market: Enter the price you paid for the existing bond.
  • Specify the holding period (in years), up to the maximum maturity of 8 years.

Calculation Formula:

  • Annual Interest = Principal × (Interest Rate ÷ 100)
  • Total Interest = Annual Interest × Years Held
  • Maturity Amount = Principal + Total Interest

SGB Sample Calculation & Returns

Let’s say you invest ₹1,00,000 in SGB and hold it for 5 years at 2.5% simple interest:

  • Annual Interest = ₹1,00,000 × 2.5% = ₹2,500
  • Total Interest for 5 years = ₹2,500 × 5 = ₹12,500
  • Maturity Amount = ₹1,00,000 + ₹12,500 = ₹1,12,500

You’ll receive ₹1,12,500 at the end of 5 years, including ₹12,500 as interest — exactly what this calculator helps you find in seconds.

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