Sovereign Gold Bond exit tax checker
Check whether the capital-gains exemption on a Sovereign Gold Bond applies to how you bought it and how it ends, under the rule from 1 April 2026, and see the arithmetic if the gain is taxable.
How it works
Exempt only if bought at the original issue and held to maturity. Otherwise gain = grams × (price − cost per gram) and tax = gain × the rate you enter (long-term rate if held more than 12 months, slab rate otherwise).
Assumptions
- From 1 April 2026 the exemption is reported to apply only to an individual who bought at the original issue and holds to maturity (Income-tax Act 2025, section 70(1)(x), as quoted by NISM). The Act itself has not been checked here; read it.
- NISM reports that premature redemption after the 5-year lock-in is taxable even for an original buyer. Another report was less clear on this point, so check it before relying on it.
- Long-term means held more than 12 months and the rate is an input, 12.5% by default as reported. Short-term gains use the slab rate you enter. Sources did not state these rates in detail.
- The 2.5% yearly interest on the bond stays taxable and is not included. Cess, surcharge, TDS and any bonds bought before 1 April 2026 under older terms are not modelled.
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These tools do arithmetic on the numbers you enter. They are for illustration and education. They do not predict returns, and they are not investment, tax or financial advice. Returns are not guaranteed.