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Compare Physical Gold vs Digital Gold vs Gold ETF vs Sovereign Gold Bond. See making charges, annual costs, tax treatment, and effective returns for each option side by side.
Best: Sovereign Gold Bond
You Invest
₹1.00 L
You Get
₹1.80 L
Return
₹80,203
Gold 10-year CAGR: ~10.5%. SGB adds 2.5% interest on top. Making charges vary 8-25% for jewellery.
Best: Sovereign Gold Bond
You Invest
₹1.00 L
You Get
₹1.80 L
Return
₹80,203
SGB (Sovereign Gold Bond) wins by ₹27,030 over physical gold. Reason: zero making charge + 2.5% annual interest + TAX-FREE on maturity.
Physical gold ka 15% making charge ka matlab: ₹1,00,000 mein se sirf ₹85,000 gold khareedne mein jaata hai. Baaki jeweller ka profit hai.
SGB ka lock-in 8 saal hai. Agar 5 saal ke liye invest kar rahe ho, toh Gold ETF ya Digital Gold zyada flexible hai — sell karo jab chaaho.
Physical Gold
₹1.53 L
LTCG after 3 years (20% with indexation)
Digital Gold
₹1.56 L
LTCG after 3 years (20% with indexation)
Gold ETF
₹1.61 L
LTCG after 3 years (20% with indexation)
Sovereign Gold Bond
₹1.80 L
TAX-FREE if held till maturity (8 years). 2.5% annual interest.
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