Financial Calculators
Gold SIP Calculator
Buying gold monthly, without lockers or making charges. See what a disciplined gold habit accumulates.
Estimated value of your gold
₹19,06,219
- Total invested
- ₹9,00,000
- Appreciation
- ₹10,06,219
Works for gold ETFs, gold funds or digital gold bought monthly. Gold's long-run return has trailed equity but it hedges currency and crisis risk; most allocations keep it to 5-10% of the portfolio.
The modern way to hold an ancient asset
Indians have always accumulated gold; ETFs, gold funds and digital gold just made it efficient: no making charges, no purity doubt, no locker. A monthly purchase averages your entry across price cycles exactly like an equity SIP.
Gold's role is defence: it hedges currency weakness and crisis shocks. Its long-run return has trailed equity, which is why most sensible allocations cap it at 5-10% of the portfolio, complementing growth assets rather than replacing them.
The accumulation
Value = monthly amount x annuity-due FV factor(appreciation, months)Worked example: Rs 5,000 a month at 9% assumed appreciation for 15 years accumulates gold worth about Rs 19,06,219 against Rs 9,00,000 invested.
Frequently asked questions
What return should I assume for gold?
Gold's rupee return has averaged high single digits over long periods, helped by rupee depreciation, but with long flat stretches. Test 6% and 10% to see the band; do not anchor on recent rallies.
ETF, gold fund or digital gold: which one?
Gold ETFs are cheapest if you have a demat account; gold funds allow SIPs without one; digital gold is convenient but check charges and custody terms. Physical jewellery is adornment, not investment.
How is gold taxed?
Gains on gold funds and ETFs are taxed per prevailing capital gains rules for such instruments, which have changed in recent budgets; check the current treatment for your holding period.
How much gold should a portfolio hold?
Five to ten percent for most families, counting existing jewellery. Beyond that, gold's zero cash flow drags on long-term growth.
Defence in the portfolio, discipline in the habit.
We size the gold allocation inside the full plan, not instead of it.