Jewellery

Gold Return Calculator: Gain, Yearly Return (CAGR) and Tax on Gold

Free tool · Updated October 2, 2026 · By CouponTalk · Reviewed by CouponTalk Expert Reviews on October 2, 2026

Your result

Enter your measurements to see your result.

Quick answer

Gold's return has two parts: the price change and what you lose on the way. If you bought at ₹50,000 per 10 g and it is ₹1,00,000 now after 5 years, the price grew about 14.9% a year. Jewellery returns less, because making charges and GST are not recovered and jewellers deduct on resale. Gold held over 24 months is taxed at 12.5% on the gain.

How to use this calculator

Enter the weight and the rates per 10 g when you bought and now.
Add years held, the form, and what you paid in making and GST.
Add the resale deduction to see your real return and tax.

Reference table

Tax on gold gains, for sales after 23 July 2024
Form	Long-term after	Tax on long-term gain	Short-term
Jewellery, coins, bars	24 months	12.5%, no indexation	Slab rate
Digital gold	24 months	12.5%, no indexation	Slab rate
Gold ETFs (listed)	12 months	12.5%	Slab rate
Sovereign Gold Bonds	At maturity with RBI	Tax-free	Slab rate / 12.5% if sold

Tax figures are a simplified estimate (surcharge and cess not included). Not tax advice; check with a tax adviser.

Frequently asked questions

How is gold taxed in India?

Physical and digital gold held over 24 months: 12.5% on the gain without indexation (for sales after 23 July 2024). Held less: taxed at your slab rate.

Why is my jewellery return lower than the gold price rise?

Making charges and GST are a cost you do not get back, and jewellers deduct a few percent when they buy it back.

Are Sovereign Gold Bonds taxed the same?

No. Gains on SGBs held to maturity and redeemed with RBI are tax-free; interest is taxable.