Gold Saving Calculator — Monthly SIP to Accumulate Gold India
24K Rate: ₹13,881.79/gPlan your monthly gold savings and see how much gold you accumulate over time. Enter your monthly investment amount and target period — the calculator shows grams accumulated at today's rate and optional projected value with a growth assumption.
Gold Saving Plan Calculator
How Much to Save Monthly — Gold Accumulation Guide
| Monthly Investment | 1 Year | 3 Years | 5 Years | 10 Years |
|---|---|---|---|---|
| ₹1,000/month | 0.86g | 2.59g | 4.32g | 8.64g |
| ₹2,000/month | 1.73g | 5.19g | 8.64g | 17.29g |
| ₹5,000/month | 4.32g | 12.97g | 21.61g | 43.22g |
| ₹10,000/month | 8.64g | 25.93g | 43.22g | 86.44g |
| ₹20,000/month | 17.29g | 51.87g | 86.44g | 172.89g |
| ₹50,000/month | 43.22g | 129.67g | 216.11g | 432.22g |
* Grams calculated at today's 24K rate of ₹13,881.79/g. Actual accumulation varies with gold price at time of purchase.
Gold Saving Options — Comparison
| Option | Min Investment | Extra Return | Tax (LTCG) | Lock-in | Best For |
|---|---|---|---|---|---|
| Gold ETF SIP | ₹100/month | None | 12.5% after 12M | None | Flexible investors |
| Digital Gold (MMTC) | ₹1 | None | 12.5% after 24M | None | Small amounts |
| Jeweller SIP Scheme | Varies | 1 bonus month | Physical gold rules | Fixed term | Jewellery purchase |
| Sovereign Gold Bond | 1g (~₹13,882) | 2.5% interest/yr | Tax-free at maturity | 8 years | Long-term wealth |
| Gold Mutual Fund | ₹500/month | None | 12.5% after 24M | None | No demat account |
| Physical gold coins | 0.5g | None | 12.5% after 24M | None | Physical possession |
FAQ — Gold Saving Plan India
At today's rate of ₹13,881.79/gram, 10 grams of 24K gold costs ₹1,38,818. Monthly SIP needed over 12 months = ₹11,568 per month. Use the calculator above for exact amounts and custom targets.
A Gold SIP is a regular investment (monthly/weekly) in gold — either physical (jewellers' SIP), digital gold (Google Pay, PhonePe), or gold ETFs (stock exchange). Jeweller SIPs give you physical gold at the end; digital gold and ETFs give price exposure without storage.
Options: (1) Gold ETF via SIP — most tax efficient after 12 months; (2) Digital gold (MMTC-PAMP, SafeGold) — 24/7 purchase, 99.9% purity; (3) Jeweller gold scheme — pay in installments, bonus month from jeweller; (4) Sovereign Gold Bonds — 2.5% annual interest + tax-free maturity.
Financial planners suggest 5–15% of retirement corpus in gold. For a ₹2 crore retirement goal, ₹10–30 lakh in gold (approximately 60–200 grams at current rates). Gold acts as inflation hedge and rupee depreciation protection in a diversified portfolio.
Many jewellers offer a "bonus month" — pay 11 months, get the 12th month free. This gives approximately 8.3% return on investment. However, the jeweller might apply higher making charges on final purchase. Compare the effective price per gram vs current market rate.
SGB pays 2.5% annual interest (taxable) plus gold price appreciation. Returns at 8-year maturity are completely tax-free. This makes SGB significantly better than physical gold SIP or Gold ETF for long-term investors who can lock in for 8 years. RBI issues SGBs periodically through banks and NSE/BSE.