Returns Comparison
FD vs Digital Gold
Returns Calculator
Pick a start date in the past and see how the same amount would have grown in a fixed deposit versus 24K digital gold — using actual historical gold prices.
FD value compounded annually at your chosen rate. Gold values use SafeGold's historical 24K price data. Past performance does not guarantee future results.
Comparison Result
₹1.00 L invested 5 years ago
Gold beat the FD
Extra ₹78,495 over 5 years
+78.5%
vs the FD
Growth Comparison
Historical Performance
₹1.00 L invested — every period
| Start | Period | Gold Price Then | FD Value | Gold Value | Gold Advantage |
|---|---|---|---|---|---|
| 1 year ago | 1Y | ₹9,200/g | ₹1.07 L | ₹1.14 L | +₹7,130 |
| 3 years ago | 3Y | ₹6,100/g | ₹1.23 L | ₹1.72 L | +₹49,627 |
| 5 years ago | 5Y | ₹4,800/g | ₹1.40 L | ₹2.19 L | +₹78,495 |
| 7 years ago | 7Y | ₹3,400/g | ₹1.61 L | ₹3.09 L | +₹1.48 L |
* Gold values from SafeGold's historical 24K price data (indicative until live data loads); FD compounded annually at 7% p.a. Pre-tax comparison, for illustration only.
FD vs gold, explained
How does this FD vs gold comparison work?
The calculator takes the amount you pick, grows it at your chosen FD rate compounded annually, and in parallel converts it into 24K gold grams at the actual gold price on your chosen start date, then values those grams at today's gold price. Both paths use real historical gold rates.
Has gold really beaten fixed deposits?
Over many recent multi-year periods in India, 24K gold's price growth has outpaced typical FD rates of 6–8% p.a. However, gold is more volatile than an FD, and there have been periods where FDs came out ahead — the comparison table shows each period honestly.
Are gold returns taxed differently from FD interest?
Yes. FD interest is taxed at your income slab every year, while gains on digital gold are taxed only when you sell. Tax treatment depends on your situation and holding period — this calculator compares pre-tax values.
Is digital gold as safe as a fixed deposit?
They are different instruments. An FD offers a fixed, insured return. Digital gold on SafeGold is 24K physical gold held in secure, insured vaults in your name — its value moves with the market price of gold, which can go up or down.