SGB Maturity Value Calculator

Use this SGB maturity value calculator to estimate the redemption value of your Sovereign Gold Bond investment at maturity. The calculation is based on gold price appreciation and RBI-mandated interest.

If you want to calculate interest, returns, and yearly breakdown, use the full SGB Calculator.

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How to Calculate SGB Maturity Value

The maturity value of a Sovereign Gold Bond depends on:

• Issue price per gram of gold
• Number of units (grams)
• Gold price at maturity
• 2.5% annual interest (paid semi-annually)

At maturity (8 years), the bond is redeemed at the prevailing gold price, and capital gains are tax-free for individuals.

SGB Maturity Value Example

Suppose you purchased 10 grams of SGB at ₹5,000 per gram.

• Investment amount: ₹50,000
• Annual interest: 2.5%
• If gold price at maturity = ₹7,000 per gram

Maturity value: 10 × ₹7,000 = ₹70,000
Total interest earned: Paid separately over 8 years

Tax on SGB Maturity Value

Capital gains on redemption of Sovereign Gold Bonds at maturity are completely tax-free for individuals. However, the annual interest earned is taxable as per income tax slab.

Frequently Asked Questions

What is the maturity period of SGB?

The maturity period of Sovereign Gold Bonds is 8 years.

Can I redeem SGB before maturity?

Yes, premature redemption is allowed from the 5th year onwards on interest payment dates.

Is SGB maturity value taxable?

No, capital gains at maturity are tax-free for individual investors.

Also Read :
SGB Return Calculator
SGB Interest Calculation
SGB Redemption Value
SGB vs Gold ETF