Gold is a diversifier and inflation hedge rather than a growth engine. Most planners suggest 5–15% of a portfolio; the calculator helps size a monthly amount for that.
Gold SIP Calculator
Plan a monthly SIP in gold: the projected value at gold's long-run price growth, what a ₹1,000 monthly SIP builds in 10 years, a gold fund vs digital gold vs SGB comparison — and the actual returns of gold funds and ETFs from real NAV history.
Invested amount
₹1,20,000
Estimated returns
₹98,987
Total value
₹2,18,987
₹1,000/month for 10 years builds
₹2,18,987
Year-by-year value
| Year | Invested | Returns | Value |
|---|---|---|---|
| 1 | ₹12,000 | ₹740 | ₹12,740 |
| 2 | ₹24,000 | ₹2,953 | ₹26,953 |
| 3 | ₹36,000 | ₹6,812 | ₹42,812 |
| 4 | ₹48,000 | ₹12,506 | ₹60,506 |
| 5 | ₹60,000 | ₹20,247 | ₹80,247 |
| 6 | ₹72,000 | ₹30,273 | ₹1,02,273 |
| 7 | ₹84,000 | ₹42,847 | ₹1,26,847 |
| 8 | ₹96,000 | ₹58,265 | ₹1,54,265 |
| 9 | ₹1,08,000 | ₹76,856 | ₹1,84,856 |
| 10 | ₹1,20,000 | ₹98,987 | ₹2,18,987 |
Gold fund / ETF vs digital gold vs Sovereign Gold Bond
| Gold fund / ETF | Digital gold | SGB | |
|---|---|---|---|
| Buying cost | Expense ratio ~0.5% p.a., no GST | ~3% buy-sell spread + 3% GST | No charges; 2.5% p.a. interest paid |
| SIP possible | Yes, from ₹100–500 | Yes, from ₹1 | No (tranche-based; issuance paused) |
| Long-term tax | 12.5% after 12 months | 12.5% after 24 months | Tax-free at maturity (8 yrs) |
| Regulation | SEBI | Unregulated | RBI |
| Purity / storage | 99.5%+ vaulted; demat or fund units | 24K vaulted by provider | Paper/demat; no physical gold |
Default 11% p.a. is close to gold's 15-year rupee CAGR; gold has had multi-year flat stretches, so treat it as an assumption, not a forecast.
Actual returns of gold funds & ETFs
SIP XIRR of gold funds computed from their real NAV history. Pick any gold fund below to run your own dates.
What these funds actually returned (real NAV history)
| Fund | 1Y SIP XIRR | 3Y SIP XIRR | 5Y SIP XIRR | 5Y value of ₹10k/mo |
|---|---|---|---|---|
| SBI Gold Direct Plan-Growth | -1.77% | 30.37% | 27.31% | ₹11,87,394 |
| HDFC Gold ETF Fund of Fund Direct Plan-Growth | -1.64% | 30.39% | 27.27% | ₹11,86,281 |
| Nippon India Gold Savings Fund Direct-Growth | -0.82% | 30.36% | 27.16% | ₹11,83,227 |
| ICICI Prudential Gold ETF FoF Direct-Growth | -1.22% | 30.50% | 27.32% | ₹11,87,744 |
Direct plans, growth option, NAV as on 2026-10-21. SIP of ₹10,000 on the same date each month; XIRR is the annualised return of those instalments. Past performance does not guarantee future returns.
Choose a fund
SBI Gold Direct Plan-Growth
How the Gold SIP Calculator works
A gold SIP buys a fixed rupee amount of gold every month — through a gold ETF, a gold fund-of-funds, or digital gold — so you accumulate grams at an average price instead of timing the market.
The projection compounds your instalments at the assumed gold price growth. Gold does not pay interest or dividends; its return is purely price appreciation in rupee terms (global gold price × USD/INR).
Gold funds and ETFs are the cleanest SIP route: SEBI-regulated, no GST, and taxed as long-term capital gains at 12.5% after 12 months.
FV = P × [ ((1+i)^n − 1) / i ] × (1+i), i = expected gold growth ÷ 12
- P
- monthly gold SIP
- n
- months
Worked example
- Monthly gold SIP: ₹5,000
- Expected gold price growth (p.a.): 11%
- Time period: 10 Yr
₹5,000 a month for 10 years at 11% gold price growth totals ₹6 lakh invested and roughly ₹10,94,936 in value. A ₹1,000 SIP over the same period builds about ₹2,18,987.