Gold SIP Calculator · India

Gold SIP Calculator — Grow ₹21/Day into Long-Term Wealth (1–30 Years)

Enter your daily amount and years. See your projected gold SIP returns instantly — free tool by Pyllar.

Daily investment amount ₹21/day
₹21₹500
Investment period 5 years
1 yr30 yrs
Expected annual return 10%
6%40%
Total invested
₹38,325
₹630/month
Estimated value
₹49,200
at 10% p.a.
Wealth gained
₹10,875
+28%
Amount invested Returns

Start your gold SIP from ₹21/day — no paperwork, no branch visits.

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Estimated values are illustrative only. Mutual fund investments are subject to market risks. Past performance of gold is not indicative of future returns. 0% GST applies to gold mutual fund investments via Pyllar.

Methodology & Credentials

Returns projected using standard SIP future value formula with monthly compounding. Gold price benchmarks sourced from LBMA (London Bullion Market Association) and MCX India spot price feeds. All funds recommended are SEBI-regulated gold mutual funds — not physical or digital gold commodities.

AMFI Registration

Pyllar Fintech Private Limited
AMFI-registered Mutual Fund Distributor
ARN-341847

Reviewed by our in-house investment team. Calculator for illustrative purposes only — not investment advice.

Understanding your results

What ₹21/day actually builds over time.

Most people underestimate what small daily amounts can do. ₹21 feels like nothing — it's less than a cup of chai. But when it goes into a gold SIP every single day, it compounds quietly in the background.

At 10% annual return (compounded daily), ₹21/day over 10 years turns into roughly ₹1.32 lakhs on a total investment of ₹76,650. Over 20 years, the same habit produces over ₹4.9 lakhs. The math rewards patience more than anything else.

With Pyllar's daily gold SIP, your money buys gold at today's price every day — so you're not trying to time the market. You buy a little when gold is high, a little when it's low, and your average cost stays smooth over time.

Daily amount 5 years (10%) 10 years (10%) 20 years (10%)
₹21/day ₹49,800 ₹1.32L ₹4.90L
₹50/day ₹1.18L ₹3.14L ₹11.7L
₹100/day ₹2.37L ₹6.28L ₹23.3L
₹200/day ₹4.74L ₹12.6L ₹46.7L

Estimated at 10% p.a. compounded daily. For illustration only. Actual returns may vary.

Historical context

Gold SIP returns in India — what the data shows.

Gold mutual funds in India have been one of the better-performing asset classes over the last decade. Here are the approximate returns delivered by leading gold funds (Nippon India Gold Savings Fund & Aditya Birla Sun Life Gold Fund) based on historical NAV data:

Time period Approx. CAGR ₹21/day invested Approximate value
1 year ~18–22% ₹7,665 ~₹8,800
3 years ~15–18% ₹22,995 ~₹30,500
5 years ~13–16% ₹38,325 ~₹58,000
10 years ~12–15% ₹76,650 ~₹1.5–1.8L

Based on approximate historical CAGR of leading gold mutual funds. Past gold SIP returns are not indicative of future performance. Actual returns vary with gold price movements and fund-specific factors. For illustrative purposes only.

Gold's performance in India has been driven by a combination of global gold demand, rupee depreciation against the dollar, and gold's traditional role as a crisis hedge. During the COVID-19 pandemic (2020), gold funds delivered 25–28% returns in a single year. During the 2022–23 period when global interest rates rose sharply, gold was flat. This variability is why a gold SIP investment — buying daily regardless of price — is more reliable than trying to time gold purchases.

The 10-year CAGR of ~12–15% for gold SIP returns in India compares favourably to FD rates (6–7%), debt funds (7–9%), and inflation (~5–6%). It is lower than long-term equity CAGR (~14–16%), which is why gold is best used as a complement to equity — not a replacement.

Ready to start? See Pyllar's gold SIP plan — from ₹21/day, 0% GST, SEBI-regulated funds.

Why Pyllar

The gold SIP that gives you more — starting with 0% GST.

When you buy digital gold through most apps, you pay 3% GST upfront on every purchase. On ₹10,000 invested, that's ₹300 gone before your gold even starts working. Over years of daily SIP, this adds up significantly.

Pyllar routes your gold savings through SEBI-regulated gold mutual funds — a financial instrument, not a commodity — so there's no GST charged on your investment. Every rupee you save goes entirely into gold.

Questions

Gold SIP calculator — common questions.

Gold SIP return is calculated using the standard SIP future value formula: FV = P × [((1+r)^n – 1) / r] × (1+r), where P is monthly investment, r is monthly rate (annual rate ÷ 12), and n is total months. This calculator uses monthly compounding on your daily amount converted to a monthly equivalent.

Gold mutual funds in India have delivered approximately 10–14% CAGR over the past 10 years. This varies with global conditions — gold typically rises during uncertainty and inflation. This calculator lets you model 8%, 10%, and 12% scenarios. Past returns don't guarantee future performance.

The minimum amount for a gold SIP on Pyllar is ₹21 per day — that's approximately ₹630 per month. Most traditional gold mutual fund platforms require a minimum of ₹500–₹1,000 per month for a SIP. Pyllar's daily micro-SIP model is designed for daily earners who want to invest in small amounts without committing a large lump sum each month.

Gold SIP through mutual funds has several advantages over buying physical gold. There is no making charges (physical gold jewellery has 10–25% making charges), no storage risk, and no GST when investing through gold mutual funds (physical gold attracts 3% GST). Gold SIPs also benefit from rupee cost averaging — you buy at different price points daily rather than one lump sum. Physical gold is better for those who want tangible assets or have cultural preferences. For pure wealth-building, gold SIPs have historically been more cost-efficient.

Yes — ₹21/day is exactly the minimum on Pyllar. That's about ₹630 a month. Over 10 years at 10% annual return, it grows to approximately ₹1.3 lakhs on a total investment of ₹76,650. Small amounts, compounded over time, produce real results.

To start a gold SIP in India, you need to complete KYC (Know Your Customer) verification and invest through an AMFI-registered mutual fund distributor or directly through an AMC. With Pyllar, the process takes under 5 minutes: download the app, complete video KYC, link your bank account via UPI, and set your daily SIP amount starting from ₹21/day. No branch visits, no paperwork. Pyllar routes your investment into SEBI-regulated gold mutual funds — the same funds available through banks and brokers.

A daily SIP buys gold at every day's price, spreading your purchases across more price points each month — a more thorough form of rupee cost averaging. It also makes the habit easier to keep: ₹21 today feels manageable, whereas saving ₹630 on one day each month requires more planning and discipline.

Yes. Gold SIPs through mutual funds have no lock-in period and can be paused, modified, or stopped at any time. On Pyllar, you can pause your daily SIP directly from the app with no penalty. Existing units remain invested and continue to grow. There are no exit loads on most gold mutual funds after 15 days of investment. This flexibility makes gold SIP better suited for irregular income earners compared to fixed recurring deposits.

No. Pyllar charges 0% GST.

This is an illustrative calculator — it shows projected values at a constant annual return rate. Actual gold SIP returns depend on gold price performance, which fluctuates. Use the results as a planning guide and long-term direction, not as a guaranteed outcome. Always read scheme documents before investing.

Over the last 5 years (2020–2025), gold mutual funds in India have delivered approximately 13–16% CAGR. This period included sharp gains during COVID-19 uncertainty and a recovery after the 2022 interest rate cycle. A ₹21/day gold SIP investment started 5 years ago would have grown from ₹38,325 total invested to approximately ₹55,000–₹60,000 in value, depending on entry timing. Past gold SIP returns are not guaranteed to repeat — but 5+ year holding periods have historically been rewarding for disciplined investors.

Yes. Gold mutual fund SIP returns are subject to capital gains tax. If you hold units for more than 24 months, gains are Long-Term Capital Gains (LTCG) taxed at 12.5% without indexation (post Budget 2024). Units held less than 24 months are taxed as Short-Term Capital Gains (STCG) at your income tax slab rate. For SIP investments, each daily purchase has its own date — so when you redeem, each instalment's 24-month clock is counted separately. There is no GST on gold mutual fund investments or redemptions.

Over the last 10 years, gold SIP returns (~12–15% CAGR) have significantly outperformed fixed deposits (6–7% p.a.). However, FDs are predictable and guaranteed while gold SIP returns fluctuate year to year. In years when gold rises sharply (2019–2020: +25%), a gold SIP far outperforms FD. In flat gold years (2021–22), FD may match or beat gold. For a 10+ year time horizon, gold SIP has historically provided better inflation-adjusted returns than FD. Most financial planners suggest using both: FD for short-term safety, gold SIP for long-term wealth building.

Yes. Enter your monthly investment amount ÷ 30 as a daily amount to model a monthly SIP equivalent. For example, a ₹500/month SIP is approximately ₹16.67/day — enter ₹17/day in the calculator. The results will be very similar since the calculator uses monthly compounding internally. For exact monthly SIP projections, Pyllar's gold SIP is daily by design — but the long-term growth curve is comparable.

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Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not indicative of future returns. This calculator is for illustrative purposes only and does not constitute investment advice. Pyllar Fintech Private Limited · AMFI-registered Mutual Fund Distributor · ARN-341847.