{"id":15864,"date":"2026-08-31T18:25:06","date_gmt":"2026-08-31T12:55:06","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=15864"},"modified":"2026-08-31T18:25:09","modified_gmt":"2026-08-31T12:55:09","slug":"sgb-maturity-payout-2026-tax-calculation-for-existing-holders","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/sovereign-gold-bond\/sgb-maturity-payout-2026-tax-calculation-for-existing-holders\/","title":{"rendered":"SGB Maturity Payout 2026: Tax Calculation for Existing Holders"},"content":{"rendered":"<div class=\"gpi-custom-widget-box\" style=\"border-left-color: #0066cc; background-color: #f0f7ff;\">\n<div class=\"gpi-custom-widget-title\" style=\"color: #0066cc;\">\ud83d\udcdd Quick Summary:<\/div>\n<h2 class=\"gpi-custom-widget-h2-content\"><span class=\"ez-toc-section\" id=\"When_your_Sovereign_Gold_Bond_completes_its_8-year_term_the_RBI_pays_you_the_current_value_of_the_gold_it_represents_The_big_question_is_tax_For_an_original_subscriber_who_held_to_the_end_the_maturity_gain_is_still_tax-free_in_2026_For_a_secondary_buyer_Budget_2026_changed_that\"><\/span>When your Sovereign Gold Bond completes its 8-year term, the RBI pays you the current value of the gold it represents. The big question is tax. For an original subscriber who held to the end, the maturity gain is still tax-free in 2026. For a secondary buyer, Budget 2026 changed that.\u00a0<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/div>\n\n\n<p>This guide is a clear SGB maturity tax calculation walkthrough of how your SGB maturity payout in 2026 is worked out, who pays tax, and examples so you can do your own SGB maturity value calculation.<\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/sovereign-gold-bond\/sgb-maturity-payout-2026-tax-calculation-for-existing-holders\/#When_your_Sovereign_Gold_Bond_completes_its_8-year_term_the_RBI_pays_you_the_current_value_of_the_gold_it_represents_The_big_question_is_tax_For_an_original_subscriber_who_held_to_the_end_the_maturity_gain_is_still_tax-free_in_2026_For_a_secondary_buyer_Budget_2026_changed_that\" >When your Sovereign Gold Bond completes its 8-year term, the RBI pays you the current value of the gold it represents. The big question is tax. For an original subscriber who held to the end, the maturity gain is still tax-free in 2026. For a secondary buyer, Budget 2026 changed that.\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/sovereign-gold-bond\/sgb-maturity-payout-2026-tax-calculation-for-existing-holders\/#How_Your_SGB_Maturity_Value_Is_Worked_Out\" >How Your SGB Maturity Value Is Worked Out<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/sovereign-gold-bond\/sgb-maturity-payout-2026-tax-calculation-for-existing-holders\/#The_SGB_Maturity_Tax_Calculation_The_One_Rule_That_Decides_Everything\" >The SGB Maturity Tax Calculation: The One Rule That Decides Everything<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/sovereign-gold-bond\/sgb-maturity-payout-2026-tax-calculation-for-existing-holders\/#SGB_Maturity_Tax_Calculation_for_an_Original_Subscriber\" >SGB Maturity Tax Calculation for an Original Subscriber<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/sovereign-gold-bond\/sgb-maturity-payout-2026-tax-calculation-for-existing-holders\/#SGB_Maturity_Tax_Calculation_for_a_Secondary_Buyer\" >SGB Maturity Tax Calculation for a Secondary Buyer<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/sovereign-gold-bond\/sgb-maturity-payout-2026-tax-calculation-for-existing-holders\/#How_SGB_Redemption_Is_Taxed_on_the_Interest\" >How SGB Redemption Is Taxed on the Interest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/sovereign-gold-bond\/sgb-maturity-payout-2026-tax-calculation-for-existing-holders\/#How_to_Show_Your_SGB_Maturity_Payout_2026_in_Your_ITR\" >How to Show Your SGB Maturity Payout 2026 in Your ITR<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/sovereign-gold-bond\/sgb-maturity-payout-2026-tax-calculation-for-existing-holders\/#SGB_Maturity_Payouts_Frequently_Asked_Questions\" >SGB Maturity Payouts Frequently Asked Questions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/sovereign-gold-bond\/sgb-maturity-payout-2026-tax-calculation-for-existing-holders\/#Disclaimer\" >Disclaimer<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Your_SGB_Maturity_Value_Is_Worked_Out\"><\/span><strong>How Your SGB Maturity Value Is Worked Out<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The moment an SGB matures, there\u2019s one number that matters the most\u2014the amount that the RBI credits to your account. That number comes from the SGB maturity value calculation, and it is worked out for you.<\/p>\n\n\n\n<p>At maturity, the RBI pays you the value of the gold your bond represents, using the average closing gold price of the week before maturity. So if your bonds cover 10 grams of gold, your SGB maturity value calculation is 10 grams times that average price, and that is your <a href=\"https:\/\/goldenpi.com\/blog\/bond-news\/sgb-maturity-guide-tax-rules-redemption-next-steps\/\" type=\"post\" id=\"14473\">SGB maturity<\/a> payout. The amount goes straight to your bank account.<\/p>\n\n\n\n<p>Your gain is the difference between this payout and what you first paid. If you bought at a low issue price years ago and gold has risen sharply, that gain can be large. The whole question is whether, and how, that gain is taxed. Everything that follows turns on one rule<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_SGB_Maturity_Tax_Calculation_The_One_Rule_That_Decides_Everything\"><\/span><strong>The SGB Maturity Tax Calculation: The One Rule That Decides Everything<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Here is the rule that drives the entire SGB maturity tax calculation, and it depends on how you bought the bond.<\/p>\n\n\n\n<p>Until recently, every holder got the same deal, a tax-free maturity gain, whether they bought from the RBI or on the exchange. Budget 2026 split that in two. From 1 April 2026, the tax-free maturity applies only to the original subscriber who bought at the RBI issue and held to the end. A secondary buyer, someone who bought the bond on the stock exchange, no longer gets it.<\/p>\n\n\n\n<p>So before any SGB maturity tax calculation, answer one question: did you buy this bond in the original RBI issue or on the exchange? That single answer decides how <a href=\"https:\/\/goldenpi.com\/blog\/sovereign-gold-bond\/sgb-premature-redemption-process\/\" type=\"post\" id=\"14923\">SGB redemption<\/a> is taxed for you.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"SGB_Maturity_Tax_Calculation_for_an_Original_Subscriber\"><\/span><strong>SGB Maturity Tax Calculation for an Original Subscriber<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you bought your bond at the RBI issue and held it for the full 8 years, this is the good news section. Your SGB maturity tax calculation ends almost before it begins.<\/p>\n\n\n\n<p>For an original subscriber holding to maturity, the entire capital gain at redemption is tax-free. This exemption survived Budget 2026. So your SGB maturity value calculation gives you the payout, and none of the gain on that payout is taxed.<\/p>\n\n\n\n<p>Here is a worked SGB maturity tax calculation. Say you subscribed to 10 grams at 5,000 rupees per gram, a 50,000 rupee investment. At maturity, gold is worth 12,000 rupees per gram, so your maturity payout is 120,000 rupees. Your gain is 70,000 rupees. For an original subscriber held to maturity, the tax on that 70,000 rupee gain is zero. That is how SGB redemption is taxed for the person the scheme was built for, not at all on the gain.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Latest SGB Updates:<\/h3>\n\n\n<ul class=\"wp-block-latest-posts__list is-grid columns-3 wp-block-latest-posts\"><li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/bond-news\/ncd-ytm-vs-coupon-rate-which-should-investors-compare\/\" aria-label=\"NCD YTM vs. Coupon Rate: Which Should Investors Compare?\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/31184006\/NCD-YTM-vs-Coupon-Rate-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"NCD YTM vs Coupon Rate\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/31184006\/NCD-YTM-vs-Coupon-Rate-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/31184006\/NCD-YTM-vs-Coupon-Rate-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/31184006\/NCD-YTM-vs-Coupon-Rate-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/31184006\/NCD-YTM-vs-Coupon-Rate-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/31184006\/NCD-YTM-vs-Coupon-Rate.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/ncd-ytm-vs-coupon-rate-which-should-investors-compare\/\">NCD YTM vs. Coupon Rate: Which Should Investors Compare?<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/sovereign-gold-bond\/sgb-maturity-payout-2026-tax-calculation-for-existing-holders\/\" aria-label=\"SGB Maturity Payout 2026: Tax Calculation for Existing Holders\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/31182402\/SGB-Maturity-Payout-2026-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"SGB Maturity Payout 2026\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/31182402\/SGB-Maturity-Payout-2026-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/31182402\/SGB-Maturity-Payout-2026-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/31182402\/SGB-Maturity-Payout-2026-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/31182402\/SGB-Maturity-Payout-2026-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/31182402\/SGB-Maturity-Payout-2026.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/sovereign-gold-bond\/sgb-maturity-payout-2026-tax-calculation-for-existing-holders\/\">SGB Maturity Payout 2026: Tax Calculation for Existing Holders<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/bond-news\/gold-mutual-fund-vs-gold-etf-vs-sgb-which-is-best-in-2026\/\" aria-label=\"Gold Mutual Fund vs Gold ETF vs SGB: Which Is Best in 2026?\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/31170213\/Gold-Mutual-Fund-vs-ETF-vs-SGB-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"Gold Mutual Fund vs ETF vs SGB\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/31170213\/Gold-Mutual-Fund-vs-ETF-vs-SGB-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/31170213\/Gold-Mutual-Fund-vs-ETF-vs-SGB-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/31170213\/Gold-Mutual-Fund-vs-ETF-vs-SGB-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/31170213\/Gold-Mutual-Fund-vs-ETF-vs-SGB-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/31170213\/Gold-Mutual-Fund-vs-ETF-vs-SGB.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/gold-mutual-fund-vs-gold-etf-vs-sgb-which-is-best-in-2026\/\">Gold Mutual Fund vs Gold ETF vs SGB: Which Is Best in 2026?<\/a><\/li>\n<\/ul>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"SGB_Maturity_Tax_Calculation_for_a_Secondary_Buyer\"><\/span><strong>SGB Maturity Tax Calculation for a Secondary Buyer<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you bought your SGB on the stock exchange, the SGB maturity tax calculation is different, and this is the change most people need to understand.<\/p>\n\n\n\n<p>For a secondary buyer, the maturity gain is taxable. Because you will have held a listed bond for more than 12 months by maturity, the gain is a long-term capital gain, taxed at 12.5% with no indexation. This is how SGB redemption is taxed for anyone who bought on the exchange after the Budget 2026 change.<\/p>\n\n\n\n<p>Here is the worked SGB maturity tax calculation for this case. Say you bought the same bond on the exchange for 90,000 rupees, and at maturity the payout is 120,000 rupees. Your gain is 30,000 rupees. The SGB maturity tax calculation is 12.5% of 30,000, which is 3,750 rupees of tax. Your SGB maturity value calculation gives the same 120,000 payout as the original subscriber, but here 3,750 rupees of it go to tax. That gap is the whole effect of the Budget 2026 rule.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_SGB_Redemption_Is_Taxed_on_the_Interest\"><\/span><strong>How SGB Redemption Is Taxed on the Interest<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The maturity gain is only half the picture. There is also the 2.5% interest, and how SGB redemption is taxed on that part is the same for everyone.<\/p>\n\n\n\n<p>The 2.5% annual interest an SGB pays is always taxable, for every holder, original or secondary. It is added to your income and taxed at your slab rate each year you receive it. Budget 2026 did not change this. So the interest side of how SGB redemption is taxed is unchanged: taxable yearly, at your slab rate, whoever you are.<\/p>\n\n\n\n<p>Keep the two parts separate in your head. The maturity gain is tax-free for original subscribers and taxable for secondary buyers. The 2.5% interest is taxable for both. A complete calculation covers the gain, but do not forget you have already been paying tax on the interest all along.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Show_Your_SGB_Maturity_Payout_2026_in_Your_ITR\"><\/span><strong>How to Show Your SGB Maturity Payout 2026 in Your ITR<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Even when the gain is tax-free, you still report it. This is the step people miss after their SGB maturity value calculation is done.<\/p>\n\n\n\n<p>For an original subscriber, the tax-free maturity gain is disclosed under Schedule EI, which is for exempt income. You owe nothing, but the entry keeps your return matched to what the tax department already sees in your records. Skipping it can trigger a mismatch notice even though no tax is due.<\/p>\n\n\n\n<p>For a secondary buyer, the taxable gain from your SGB maturity tax calculation goes under Schedule CG, for capital gains, and the 12.5% is paid there. For both, the 2.5% interest received during the year goes under Income from Other Sources in Schedule OS. Report your SGB maturity payout for 2026 in the right schedule, and match it to your Annual Information Statement, and your filing is clean.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"SGB_Maturity_Payouts_Frequently_Asked_Questions\"><\/span><strong>SGB Maturity Payouts Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1788177026197\"><strong class=\"schema-faq-question\">Q1. <strong>Is SGB maturity tax-free in 2026?<\/strong><\/strong> <p class=\"schema-faq-answer\"> It depends on how you bought it. For an original subscriber who held to maturity, the gain is still tax-free in 2026. For a secondary buyer, it is not, since Budget 2026 removed that benefit. So the SGB maturity tax calculation gives a different answer for each.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1788177039391\"><strong class=\"schema-faq-question\">Q2. <strong>How is tax calculated on SGB redemption after maturity?<\/strong><\/strong> <p class=\"schema-faq-answer\">For an original subscriber, there is no tax on the maturity gain. For a secondary buyer, the SGB maturity tax calculation is 12.5% of the gain, which is your SGB maturity payout in 2026 minus what you paid. The 2.5% interest is taxed separately at your slab rate for everyone.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1788177054082\"><strong class=\"schema-faq-question\">Q3. <strong>Do I have to pay capital gains tax on SGB maturity?<\/strong><\/strong> <p class=\"schema-faq-answer\"> Only if you bought it on the secondary market. Then how SGB redemption is taxed is a 12.5% long-term capital gains rate on the gain. If you were the original subscriber holding to maturity, no capital gains tax applies to your payout.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1788177066103\"><strong class=\"schema-faq-question\">Q4. <strong>What are the new tax rules for SGB maturity after Budget 2026?<\/strong><\/strong> <p class=\"schema-faq-answer\"> From 1 April 2026, the tax-free maturity applies only to original RBI subscribers held to the end. Secondary buyers pay 12.5% on the gain. This split is the core of any SGB maturity tax calculation now, and it did not exist before Budget 2026.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1788177104923\"><strong class=\"schema-faq-question\">Q5. <strong>Is SGB maturity tax-free if I bought it from the secondary market?<\/strong><\/strong> <p class=\"schema-faq-answer\"> No. A secondary buyer does not get the tax-free maturity. Your SGB maturity tax calculation uses the 12.5% long-term rate on the gain. Only original subscribers who held to maturity keep the exemption on their maturity gains.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1788177118281\"><strong class=\"schema-faq-question\">Q6. <strong>How do I calculate capital gains tax on Sovereign Gold Bonds?<\/strong><\/strong> <p class=\"schema-faq-answer\"> Do the SGB maturity value calculation first: grams times the maturity gold price gives your payout. Subtract your cost to get the gain. For a secondary buyer, the SGB maturity tax calculation is 12.5% of that gain. For an original subscriber held to maturity, it is zero.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1788177133699\"><strong class=\"schema-faq-question\">Q7. <strong>Is SGB taxable after maturity?<\/strong><\/strong> <p class=\"schema-faq-answer\"> The gain is tax-free for original subscribers and taxable at 12.5% for secondary buyers. The 2.5% interest is taxable for both at the slab rate. So the answer depends entirely on how you first bought the bond.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1788177151007\"><strong class=\"schema-faq-question\">Q8. <strong>How do I show SGB maturity in my ITR?<\/strong><\/strong> <p class=\"schema-faq-answer\"> An original subscriber shows the tax-free gain under Schedule EI. A secondary buyer shows the taxable gain from the SGB maturity tax calculation under Schedule CG. Both show the 2.5% interest under Schedule OS. Match every figure to your Annual Information Statement.<\/p> <\/div> <\/div>\n\n\n<div class=\"gpi-custom-widget-box\" style=\"border-left-color: #0066cc; background-color: #f0f7ff;\">\n<div class=\"gpi-custom-widget-title\" style=\"color: #0066cc;\">Ready to Invest?<\/div>\n<div class=\"gpi-custom-widget-content\">\n<p>Visit <a href=\"https:\/\/goldenpi.com\/\">GoldenPi<\/a> to explore current bond options. Compare yields, ratings, and tenures in one place and invest online with as little as \u20b930,000.<\/p>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Disclaimer\"><\/span>Disclaimer<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Fixed returns do not constitute guaranteed or assured returns. Investments in corporate debt securities and municipal debt securities\/securitized debt instruments are subject to credit risks, market risks, and default risks, including delay and\/or default in payment. Read all the offer-related documents carefully. This blog\/article should not be construed as financial advice or as an offer or recommendation to buy or sell any security or any products\/services of\/on GoldenPi or any product\/services of its third-party client(s). For a detailed calculation of YTM, visit our website.&nbsp;<a href=\"https:\/\/delivery.goldenpi.com\/XPRBSN?id=162365=ch0GCFVXBVBUH1QDUlZXUlgBVgNSUwJVWgQGDFJQAVsEUwRfBldSBFVUAglRBFJSAA0ZBgxfQFBbERxBFSNTV10FU1cTDBgFDg5OAFIKVVFQBlZTVwQBBgFSAg0aC0BMQRIMFkwBUwoIFVdDHBwCCw1QAAsTWBpSVwgebDYxdmt\/Xl9dHxMF&amp;fl=WRVCSRBfGUkETltfVwNLAxVbCQwNWhpYVkpFGwMOBRcEWQMNUEoHSQJaV1BQAQQHTAZXA1IcAAMOBBxWB1IMFQUEVQxXXAEFBVQEUkpTVlMCUFEHU1JVAwhUAFECAQZaVFEADVAAVQBXVFRUUw==\" target=\"_blank\" rel=\"noreferrer noopener\">T&amp;C\u2019s Apply<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ud83d\udcdd Quick Summary: When your Sovereign Gold Bond completes its 8-year term, the RBI pays you the current value of the gold&hellip;<\/p>\n","protected":false},"author":15,"featured_media":15867,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[234,25],"tags":[],"class_list":["post-15864","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sovereign-gold-bond","category-bond-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>SGB Maturity Payout 2026: Tax Calculation for Existing Holders<\/title>\n<meta name=\"description\" content=\"Holding an SGB that matures in 2026? 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