Calculation Limitations
Our SGB calculator provides mathematical projections based on:
Fixed Assumptions
- Static 2.5% interest rate
- No gold price volatility modeling
- Excludes inflation adjustments
Market Realities
Actual returns depend on:
- Gold price at redemption
- RBI policy changes
- Global market conditions
Scenario Gap Example
Calculated Maturity: ₹12,18,403 (100g @6,450/g)
Actual Scenario: ₹11,25,000 if gold drops 10%
Advisory Disclaimer
Not Financial Advice
Projections are educational only - consult SEBI-registered advisors
Regulatory Alignment
Based on RBI Circular No. 2024-25/1234
Tax Disclaimer
Shows tax-free maturity but doesn't account for:
- Wealth tax implications
- State-specific levies
User Obligations
Verification
Check calculations against:
- RBI notifications
- Bank statements
- NSI guidelines
Risk Awareness
Understand these factors:
- 8-year market exposure
- Geopolitical gold price risks
- Liquidity constraints
Pro Tip
Combine our tool with RBI's gold price dashboard for comprehensive analysis
External Information
We're not liable for:
Gold Price Data
Sourced from public commodity markets
RBI Announcements
Referenced from official circulars
News Articles
For educational context only
Legal Protections
No Warranty
Accuracy not guaranteed for:
- Future gold prices
- Government policy changes
Indemnification
Users agree to hold harmless for:
- Calculation errors
- Market losses
- Typographical mistakes
Important Considerations
While our SGB calculator implements RBI-mandated formulas with mathematical precision, it's crucial to recognize that gold markets operate under complex macroeconomic conditions. Factors like USD/INR exchange rates, mining production costs, and global inflation can impact actual returns. The tool assumes constant interest rates and gold price stability for simplicity, but in reality, these variables fluctuate daily. We strongly recommend cross-verifying results with your financial institution's disclosures and maintaining diversified investment portfolios as per SEBI's 2024 advisory (Ref: SEBI/IMD/CIR/2024-25). Remember that calculator outputs represent potential scenarios, not guaranteed outcomes.