Gold Return Calculator
Calculate returns on physical gold or Gold ETF investments over time.
Gold returns in India — historical performance
Gold has delivered approximately 10–12% CAGR in INR terms over 20 years, driven by both global price appreciation and the INR depreciating against USD. Gold hit ₹75,000 per 10 grams in 2024. However, returns are highly lumpy — gold was flat from 2013–2018, then jumped 60% from 2019–2020. Not a reliable short-term investment.
Physical gold vs Gold ETF vs SGB
Physical gold: High making charges (10–25%), storage risk, not ideal for investment. Gold ETF: No making charges, trades like a stock, ~0.5% expense ratio, liquid. Sovereign Gold Bonds: Best option — gold price returns + 2.5% annual interest + tax-free on maturity if held to 8 years. SGBs are hands-down the best way to hold gold as an investment.
How much gold should you hold?
Most financial planners recommend 5–15% gold allocation as a portfolio hedge. Gold typically rises when equity markets fall, providing diversification. Use the buy price as today's gold price and sell price as your target/projected price. Pair this with our SIP Calculator to model your full portfolio.