Gold SIP Calculator · India

See what your gold SIP grows to.

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
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.

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, ₹21/day over 10 years turns into roughly ₹1.3 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 ₹49,200 ₹1.3L ₹4.9L
₹50/day ₹1.17L ₹3.1L ₹11.6L
₹100/day ₹2.34L ₹6.2L ₹23.3L
₹200/day ₹4.67L ₹12.4L ₹46.5L

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

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.
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.
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.
No. Pyllar charges 0% GST. Digital gold apps charge 3% GST on every purchase — ₹300 lost on every ₹10,000 invested. Pyllar uses gold mutual funds (a financial instrument, not a commodity), so no GST applies. Every rupee you invest goes into gold.
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.

Ready to start your gold SIP?

₹21/day. No branch visits. 0% GST. Set it up in 5 minutes.

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✓ 0% GST on gold ✓ AMFI registered (ARN 341847) ✓ No lock-in ✓ SEBI regulated funds

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 is an AMFI Registered Mutual Fund Distributor (ARN No. 341847).