SGB Advantage over Physical Gold
₹2,89,242
Extra wealth generated by choosing SGBs over 8 years
Physical Gold Dead Cost
₹1,06,000
Money lost instantly to GST, making charges, and 8y storage
| Investment Mode | Final Total Value | Passive Interest Earned | Tax Treatment | Dead Costs |
|---|---|---|---|---|
| Sovereign Gold Bonds (SGB) | ₹10,32,123 | ₹1,00,000 | Capital Gains Exempt | No making charges, No GST, No storage cost |
| Digital Gold / Gold ETF | ₹8,70,562 | - | Fully Taxable as LTCG/STCG | 3% GST upfront + Expense ratio/spread |
| Physical Gold (Jewelry/Coins) | ₹7,42,881 | - | Fully Taxable as LTCG/STCG | Making charges (15%) + 3% GST + Storage |