Gold Return & CAGR Calculator India
Current 24K: ₹1,47,374/10gCalculate returns on your gold investment — total percentage gain and CAGR (Compound Annual Growth Rate). Enter your purchase price and holding period to see how your gold has performed vs today's live price.
Gold Return Calculator
Historical Gold Price in India — Reference
| Year | 24K Gold / 10g (approx.) | Return vs Today (₹1,47,374) |
|---|---|---|
| 2024 | ₹72,000 | +104.7% |
| 2023 | ₹62,000 | +137.7% |
| 2022 | ₹52,000 | +183.4% |
| 2021 | ₹48,000 | +207.0% |
| 2020 | ₹50,000 | +194.7% |
| 2019 | ₹38,000 | +287.8% |
| 2018 | ₹31,000 | +375.4% |
| 2016 | ₹28,000 | +426.3% |
| 2014 | ₹27,000 | +445.8% |
| 2012 | ₹31,000 | +375.4% |
| 2010 | ₹18,000 | +718.7% |
| 2008 | ₹12,000 | +1,128.1% |
| 2005 | ₹7,000 | +2,005.3% |
| 2000 | ₹4,500 | +3,175.0% |
* Historical prices are approximate yearly averages. Past performance does not guarantee future returns.
Gold Investment — Forms & Tax Comparison
| Form of Gold | Returns Source | LTCG Tax | Storage | Liquidity |
|---|---|---|---|---|
| Physical jewellery | Price appreciation only | 12.5% (after 24M) | Home / locker | Medium |
| Gold bars / coins | Price appreciation only | 12.5% (after 24M) | Home / bank | Medium-High |
| Gold ETF | Price appreciation only | 12.5% (after 12M) | Demat | High |
| Sovereign Gold Bond | Appreciation + 2.5% interest | Tax-free at maturity | RBI / Demat | Low–Medium |
| Digital Gold | Price appreciation only | 12.5% (after 24M) | Digital | High |
| Gold Mutual Fund | Price appreciation only | 12.5% (after 24M) | Demat | High |
FAQ — Gold Investment Returns India
Gold in India has historically delivered approximately 11–13% CAGR over long periods (10–20 years). Short-term returns vary significantly. In INR terms, depreciation of the rupee against the dollar adds to gold returns vs holding gold in USD.
Gold has preserved wealth in India over decades, outpacing inflation. However, it earns no yield (no dividend/interest). Financial planners typically recommend 5–15% portfolio allocation to gold as a hedge against currency risk and market volatility.
CAGR = (Current Value / Purchase Value)^(1/Years) − 1. Example: bought at ₹50,000/10g, current rate ₹147,374/10g, held 5 years: CAGR = (147,374/50000)^(1/5) − 1 = 24.1% p.a.
As of Budget 2024: Physical gold held over 24 months — LTCG at 12.5% without indexation (changed from 20% with indexation pre-July 2024). Held under 24 months — STCG added to income, taxed at slab rate. Gold ETFs: LTCG >12 months at 12.5%. Sovereign Gold Bonds (SGB): tax-free at maturity (8 years).
Gold CAGR (10-yr): ~11–13% in INR. Sensex CAGR (10-yr): ~13–15%. Fixed Deposits: 6.5–7.5% p.a. Gold is less volatile than equities but more volatile than FDs. In periods of economic crisis, gold typically outperforms equities.
SGBs are RBI-issued bonds denominated in grams of gold. They pay 2.5% annual interest plus gold price appreciation. Redemption after 8 years is tax-free. SGBs eliminate storage risk and making charges, making them tax-efficient vs physical gold.