6 October 2026 · Source: IBJA + local market data
Gold SIP Calculator
Plan your systematic gold investment. Calculate how much gold you can accumulate with monthly investments and estimate future returns based on historical gold price appreciation.
Calculator
Plan your gold SIP
Enter monthly investment amount and duration to see projected returns.
Investment Details
Current gold price: ₹13,175/gram (24K)
Estimated Future Value
₹3,90,412
after 5 years (60 months)
Total Invested
₹3,00,000
Total Returns
₹90,412
Gold Accumulated
2.28 grams
Avg. Cost / Gram
₹1,31,579
Year-wise Growth
Overview
What is Gold SIP?
Systematic approach to gold investment.
Gold SIP (Systematic Investment Plan) allows you to invest a fixed amount in gold every month. Instead of buying gold in bulk, you purchase small quantities regularly, benefiting from rupee cost averaging. This approach helps reduce the impact of price volatility and makes gold investment accessible even with small amounts.
Options
Ways to invest in Gold SIP
Different platforms and products for systematic gold investment.
| Platform | Details |
|---|---|
| Digital Gold | Buy gold starting from ₹10 via apps like PhonePe, Google Pay, Paytm |
| Gold ETFs | Trade on stock exchanges, track physical gold prices |
| Gold Mutual Funds | SIP in gold funds through AMCs like SBI, HDFC, ICICI |
| Sovereign Gold Bonds | Government-backed bonds with 2.5% annual interest |
| Jeweller SIP | Monthly deposits with jewellers for future gold purchase |
Performance
Gold historical returns
Long-term performance of gold as an investment in India.
Gold has historically delivered 10-12% average annual returns in India over the long term. In the last 10 years, gold prices have more than doubled. However, past performance does not guarantee future results. Gold is best used as a portfolio diversifier (5-15% allocation).
Comparison
Gold SIP vs other investments
How gold SIP compares to other popular investment options.
| Comparison | Key difference |
|---|---|
| Gold SIP vs Fixed Deposit | Gold can outperform FDs during high inflation periods |
| Gold SIP vs Equity SIP | Equity generally offers higher long-term returns but with more volatility |
| Gold SIP vs Real Estate | Gold is more liquid and has no maintenance costs |
| Gold SIP vs PPF | PPF offers guaranteed returns and tax benefits; gold offers inflation hedge |
Explore
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