Bullion Intelligence & Calculator Suite

BULLION INTELLIGENCE & DECISION SUITE

Professional calculators and financial models calibrated to official All India Bullion (AIB Mumbai) rates.

Physical Jewellery & Bullion Invoice Calculator

Calculate estimated final billing including purity conversion, making charges, and mandatory 3% GST.

Metal Purity

Weight

Base Benchmark Rate

₹ /10g

Making Charges

ESTIMATED TAX INVOICE Live AIB Benchmark

Pure Metal Value (10.00g): ₹1,44,717

Making Charges (10.0%): ₹14,472

Taxable Subtotal: ₹1,59,189

GST (3% on Metal + Making): ₹4,776

TOTAL ESTIMATED BILL

₹1,63,965

Effective Cost: ₹16,397 /g

Bullion SIP & Wealth Accumulation Planner

Simulate disciplined monthly accumulation in physical Gold & Silver with compounding analysis.

Monthly Investment (₹)

Investment Horizon

Asset Allocation

Expected CAGR (%)

Total Invested ₹3,00,000 60 installments

                                    Physical Grams Accumulated
                                    18.98 g Gold
                                    At average cost
                                

PROJECTED FUTURE WEALTH +12.8% CAGR

₹4,23,590

Estimated Wealth Growth: +₹1,23,590

Wealth Comparison vs Traditional Assets:

Bank Fixed Deposit (7.0% p.a.): ₹3,58,040

Nifty 50 Index (12.0% p.a.): ₹4,12,430

Bullion Net Alpha: +₹65,550

Gold-to-Silver Ratio Swing Arbitrage Gauge

LIVE GSR MULTIPLIER

67.15x

FAIR VALUE RANGE • BALANCED 50/50 ACCUMULATION

Historical Ratio Mean-Reversion Rules

> 80.0x Ratio

Silver Undervalued: Rotate 40% Gold capital into Silver bullion bars. Beta outperformance yields +15-25% excess returns.

60.0x – 80.0x Ratio

Fair Valuation: Balanced DCA (50% 24K Gold / 50% 999 Silver). Standard wealth preservation accumulation.

< 60.0x Ratio

Gold Undervalued / Silver Overextended: Shift Silver profits back into 24K hallmarked gold bullion.

Historical 20-Year Mean: 65.0x

The Gold-to-Silver ratio represents how many ounces of silver buy one ounce of gold. Large divergences from 65x create high-probability swing trading setups.

Sovereign Gold Bonds (SGB) Secondary Market Discount Hunter

Live NSE/BSE SGB series trading at sovereign discounts vs physical 999 spot gold. Enjoy +2.5% annual coupon and 100% tax-free capital gains at maturity.

SGB Series / Tranche	Maturity	Spot 999 Fair Value	Traded Secondary Price	Discount / Arbitrage	Annual CAGR Yield	Action Signal

Old Scrap Gold Multi-Purity Melting & Conversion

Convert old scrap or broken jewellery into 999 pure fine gold equivalent weight, deduct assay/refining loss, and calculate instant cash payout.

Scrap Gold Purity

Gross Weight

Grams (g)

Refining / Melting Loss

% Loss

24K Benchmark Rate (per 10g)

₹ /10g

SCRAP REFINING CERTIFICATE 91.6% Purity (22K)

Gross Scrap Weight: 25.500 g

Pure 24K Gold Equivalent: 23.358 g

Refining Loss (1.0%): -0.234 g

Net Fine 999 Weight Payable: 23.124 g

INSTANT CASH PAYOUT VALUE

₹3,74,146

Effective Cash Rate: ₹14,672 /g

MCX vs COMEX Landed Cost & Custom Duty Parity Gauge

Real-time landed cost of importing physical bullion into India: (COMEX Spot ÷ 31.1035 × USD/INR) + 6% BCD + 1% AIDC + 3% GST. Tracks whether domestic MCX trades at a discount or premium.

GOLD IMPORT PARITY (₹/10g) DOMESTIC PREMIUM

Global COMEX Spot: $4,450.00 /oz

USD/INR Exchange Rate: ₹95.60

Pre-Tax Spot Value (10g): ₹1,36,776

Customs Duty (6% BCD + 1% AIDC): +₹9,656 (7.06%)

GST (3% on Landed Bullion): +₹4,393 (3.0%)

OFFICIAL LANDED IMPORT COST

₹1,50,825

Domestic Spread: +₹1,200 /10g (+0.8%)

SILVER IMPORT PARITY (₹/kg) DOMESTIC PREMIUM

Global COMEX Silver Spot: $66.00 /oz

USD/INR Exchange Rate: ₹95.60

Pre-Tax Spot Value (1 kg): ₹2,02,867

Customs Duty (6% BCD + 1% AIDC): +₹14,322 (7.06%)

GST (3% on Landed Bullion): +₹6,515 (3.0%)

OFFICIAL LANDED IMPORT COST

₹2,23,704

Domestic Spread: +₹2,684 /kg (+1.2%)

Indian Gold Investment Vehicles Comparison Matrix

Compare net yield, making charges, taxation, liquidity, and storage risks across all major Indian investment formats.

Investment Vehicle	Purity	Making / Expense	GST / Entry Tax	Annual Yield	Capital Gains Tax	Recommendation
Physical 24K Bullion Bar MMTC-PAMP / RSBL Hallmarked	999 (24K)	1.5% - 2.5%	3.0% GST	Price Only	LTCG 12.5% (>24m)	Best for Core Physical Wealth
Sovereign Gold Bonds (SGB) RBI Secondary Market	999 Eqv	0.0% (Zero)	0.0% (Zero)	+2.5% p.a.	100% Tax Free at Maturity	Best for Maximum Return
Gold / Silver ETFs Nippon / ICICI / SBI ETF	995+ Eqv	0.3% - 0.6% TER	0.0% GST (STT apply)	Price Only	LTCG 12.5% (>24m)	Best for Demat Traders
Digital Gold Augmont / MMTC Digital	999 (24K)	2.0% - 3.5% Spread	3.0% GST	Price Only	LTCG 12.5% (>24m)	High Spread Loss
22K Physical Jewellery Retail Jewellery Stores	916 (22K)	8.0% - 18.0%	3.0% on Total	Price Only	LTCG 12.5% (>24m)	Avoid for Investment