Taxes on gold and silver investments in India (FY 2026–27): GST, capital gains, TDS

FY 2026–27 at a glance: how India taxes gold and silver

What this guide covers (GST, customs duty, capital gains, TDS/TCS)

• Purchases: GST on jewellery, coins/bars, and digital gold/silver; import duty context and how GST is applied on the assessable value at import.

• Sales: capital gains rules for physical metal, digital gold/silver, ETFs, and SGBs – including holding periods, indexation/benefits, and special SGB redemption treatment.

• Compliance: TDS/TCS on high‑value transactions, cash‑payment limits, invoices and PAN requirements, and where to report in your ITR.

One‑minute summary (plain‑English)

• GST: 3% on the value of gold/silver; 5% on jewellery making/repair charges; digital gold/silver also attracts 3% GST on the buy price.

• Imports: India uses a layered customs duty + cess framework; GST is charged on the import’s assessable value after customs/cess – net effect influences domestic gold buy and sell price.

• Capital gains: STCG vs LTCG depends on how long you hold; indexation/benefits vary by instrument; SGB redemption at maturity is tax‑exempt on capital gains.

• TDS/TCS: Mostly kicks in for businesses and high‑value trade; routine personal buys/sells usually don’t face TDS, but cash limits and PAN/invoice rules still apply.

Who this is for

• First‑time investors and UPI micro‑buyers exploring gold investment in India and digital silver.

• Jewellery shoppers comparing GST, making charges, and gold buying and selling norms.

• ETF and SGB investors wanting the latest FY 2026–27 tax rules in clean, actionable English.

• CA/finance‑curious readers who want a quick, accurate map of gold in finance and tax compliance.

Why it matters now

• Prices move. Taxes eat into returns. Knowing GST + capital gains rules helps you plan SIPs, festival buys, and exits smarter – so more of your money compounds.

• If you invest small and often, the right mix (e.g., digital gold/SGBs) can minimize friction and optimize after‑tax returns.

“Gold prices in India roughly doubled (≈100% rise) between 2019 and 2024.” – Source

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GST on buying gold and silver (jewellery, coins/bars, digital) + import duty

The basics

• 3% GST on the value of gold/silver for jewellery, coins, and bars (applied on the metal value).

• 5% GST on making/repair charges (service component) when billed separately; if the jeweller bundles metal + making together, composite supply rules apply and the principal supply drives tax.

• Digital gold/silver: 3% GST at purchase; platform spread/fees vary by provider and reflect storage, insurance, and operations.

Imports and duties: what affects domestic prices

• India levies import duties (basic customs duty plus AIDC/cess) on bullion imports. GST (IGST) is then computed on the assessable value after duty/cess. This layered structure flows into landed cost and ultimately influences domestic gold buy and sell price seen at jewellers and on platforms.

• How it reaches your invoice:

  1. Importer’s landed cost = CIF value + basic customs duty + AIDC/cess (+ any applicable surcharge) + IGST on the assessable value.

  2. Wholesaler/jeweller prices metal to reflect the landed cost plus margin.

  3. Your jewellery invoice splits: metal value (3% GST) + making charges (5% GST if billed separately) + hallmarking or other fees if any.

Quick GST cheat‑sheet (buy side)

Transaction type	What GST applies	Typical rate	Notes
Jewellery (ready‑made; metal and making itemised)	3% on metal value; 5% on making charges	3% (metal), 5% (making)	Classic split bill; ensures correct gold buying and selling tax treatment.
Jewellery (composite supply; single bundled price)	GST per composite supply treatment	Typically 3% on the composite value	Principal supply is gold; some jewellers still show a split for clarity.
Coins/Bars (physical)	3% on metal value	3%	No making charges unless special finish; premiums vary by mint/brand.
Digital gold/silver	3% on purchase	3%	One‑time GST at buy; spread covers storage/insurance. On OroPocket, you also earn Bitcoin rewards.
Jewellery repair/service	5% on service charges	5%	Separate from any parts replaced; ask for service invoice.
SGB (Sovereign Gold Bonds)	No GST on units	0%	Brokerage/platform fees (if any) may attract 18% GST as a service.
Gold ETFs / Gold FoFs	No GST on units	0%	Fund expenses are embedded; brokerage STT/charges as applicable, not GST on units.
Import of bullion (context)	IGST on assessable value after customs/AIDC	IGST typically 3%	Import duties (basic duty + AIDC/cess) shape landed cost and downstream prices.

Where buyers go wrong

• Mixing up taxes: 3% GST applies on the metal value; 5% GST applies only to making/repair charges. If everything is clubbed, ask how they’ve treated composite supply and tax.

• Ignoring import layers: Duty + AIDC/cess become part of the assessable base on which IGST gets calculated at import – this filters into the final retail price you pay.

When to ask for a breakup bill

• Request an invoice that clearly shows:

  • Metal value (₹/g and total)

  • Making charges (per gram or fixed)

  • GST split: 3% on metal, 5% on making/repair

  • HUID (Hallmark Unique ID) for hallmarked jewellery

  • Any other fees (e.g., testing, hallmarking, wastage terms)

“In Union Budget 2024–25, India cut total import duty on gold and silver by reducing the Basic Customs Duty to 5% and AIDC to 1%, which fed into lower domestic prices.” – Source

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Capital gains when you sell gold/silver: holding period, rates, indexation

How capital gains are computed

• Capital gain = Sale price – Cost of acquisition (indexed where permitted) – Transfer expenses (e.g., brokerage, platform fee, making‑to‑melt conversion fee, demat charges for SGB sale).

• FIFO is typically used when you’ve made multiple buys (daily/weekly SIPs or UPI micro‑purchases). The earliest units you bought are considered sold first.

Holding period: when STCG turns into LTCG

• Physical gold/silver (jewellery, coins/bars): LTCG if held > 36 months; else STCG.

• Digital gold/silver (vault‑backed): Same as physical – LTCG if held > 36 months; else STCG.

• Gold/Silver ETFs or Gold/Silver FoFs:

  • Units purchased on/after 1 Apr 2023: Taxed at slab rates regardless of holding period (no indexation).

  • Units purchased before 1 Apr 2023: LTCG if held > 36 months; else STCG.

• Sovereign Gold Bonds (SGBs):

  • Redemption with RBI at maturity: Capital gains fully exempt.

  • Sale on exchange before maturity: Capital gains taxable. If held > 12 months (listed security), treated as LTCG; ≤ 12 months, STCG.

Current practice on tax rates (FY 2026–27)

• Physical/digital bullion:

  • STCG: Taxed at your slab rate.

  • LTCG: 20% with indexation (plus applicable cess/surcharge).

• Gold/Silver ETFs or FoFs:

  • Bought on/after 1 Apr 2023: Slab rate (no indexation) irrespective of holding.

  • Bought before 1 Apr 2023: STCG at slab (≤ 36 months); LTCG 20% with indexation (> 36 months).

• SGBs:

  • Redemption at maturity: Capital gains exempt; the 2.5% coupon interest is taxable at slab.

  • Pre‑maturity transfer/sale: Period‑based capital gains; LTCG on listed bonds often taxed at 10% without indexation (as listed securities), STCG at slab. Check latest CBDT clarifications for your scenario.

• Always verify the latest CBDT/IT Act updates before filing; rules can be rationalised.

Capital gains snapshot across instruments

Instrument	Holding period for LTCG	STCG tax	LTCG tax and indexation	GST on buy	Special notes
Physical gold/silver (jewellery, coins/bars)	> 36 months	Slab rate	20% with indexation	3% on metal value; 5% on making/repair (service)	Keep invoices/hallmark HUID; transfer expenses deductible; wastage/assay costs can be part of transfer expenses.
Digital gold/silver (vault‑backed)	> 36 months	Slab rate	20% with indexation	3% at purchase	Treated like movable asset; FIFO for SIPs/micro‑buys; spread covers storage/insurance.
Gold/Silver ETF or FoF	Pre‑1 Apr 2023 buys: > 36 months; Post‑1 Apr 2023: NA	Pre‑1 Apr 2023: Slab (≤ 36 months); Post‑1 Apr 2023: Slab regardless	Pre‑1 Apr 2023: 20% with indexation (> 36 months); Post‑1 Apr 2023: NA (slab only)	0% on units	Fund expenses embedded; brokerage/transaction charges apply; check grandfathering of pre‑2023 units.
Sovereign Gold Bonds (SGBs)	Redemption at maturity: Exempt; Exchange sale: > 12 months (listed)	Slab rate (≤ 12 months on exchange sale)	Redemption: Exempt; Exchange sale LTCG: commonly 10% without indexation as listed security (verify latest CBDT)	0% on units (brokerage/service may attract GST)	2.5% interest is taxable; TDS not deducted on interest for residents but reported in ITR; maintain contract notes for exchange sales.

Examples at a glance

• Sold within short holding (slab outcome)

  • You buy digital gold at ₹20,000 and sell 8 months later for ₹23,000. STCG = ₹3,000. If you’re in the 30% slab, tax ≈ ₹900 (+ cess/surcharge).

• Held long‑term (indexation reduces tax)

  • You bought a gold coin for ₹1,00,000 and sell after 4 years for ₹1,45,000. Suppose indexed cost (using CII) = ₹1,20,000. LTCG = ₹25,000; tax at 20% = ₹5,000 (+ cess/surcharge). Without indexation, the gain would have been ₹45,000 – indexation lowers your taxable gain.

• FIFO for mixed‑date lots (SIPs/UPI micro‑buys)

  • You purchased 1 g monthly for 6 months, then sold 3 g. Under FIFO, the first 3 monthly lots are considered sold. If those were ≤ 36 months old, gains are STCG; if older lots cross 36 months, they fall into LTCG.

Plan your gold investment in India the smart way: keep invoices, track lot dates, and use FIFO to compute the right tax. Prefer clean splits (metal vs making) when gold buying and selling jewellery to preserve documentation.

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SGBs, ETFs and gold/silver mutual funds: specific tax rules

Sovereign Gold Bonds (SGBs)

• Buy: No GST on units; brokerage/service charges (if any) may attract 18% GST.

• Holding: Earn 2.5% p.a. interest (paid semi‑annually). This interest is taxable at your slab; for most resident individuals, there is no TDS deduction by the issuer.

• Exit:

  • Redemption at maturity with RBI: Capital gains are fully exempt for individuals.

  • Secondary‑market sale before maturity: Taxed as capital gains based on holding period (listed security rules; check latest CBDT guidance).

“Interest on the Bonds shall be taxable as per the provisions of the Income-tax Act, 1961. The capital gains tax arising on redemption of SGB to an individual has been exempted.” – Source

Gold ETFs/Silver ETFs and gold/silver mutual funds

• Buy: No GST on units; brokerage/transaction charges may apply; fund expense ratio is embedded in NAV for ETFs/FoFs.

• Tax on sale:

  • Gold/Silver ETFs/FoFs purchased on/after 1 Apr 2023: Capital gains taxed at your slab rate irrespective of holding period (no indexation).

  • Units purchased before 1 Apr 2023: ≤ 36 months → STCG at slab; > 36 months → LTCG at 20% with indexation (verify grandfathering in your case).

What’s best for whom

• Long‑term wealth builders: SGBs suit buy‑and‑hold investors seeking tax‑free maturity gains plus 2.5% interest (taxable) and no management fees.

• Tactical allocators/traders: ETFs offer intraday liquidity, live pricing, and ease of rebalancing – best for shorter tactical moves despite slab‑rate taxation for newer units.

• Micro‑investors and habit builders: Digital gold/silver via OroPocket enables ₹1 UPI purchases, clear GST invoicing, and free Bitcoin rewards – ideal for daily/weekly SIPs, gifting, and goal‑based stacking.

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TDS/TCS, cash limits and PAN rules on high‑value bullion and jewellery

TDS/TCS when businesses trade gold/silver

• Section 194Q (buyer TDS 0.1%): Applies if your previous FY turnover exceeds ₹10 crore and aggregate purchases from a seller exceed ₹50 lakh in the current FY. Covers “goods,” which includes bullion/jewellery. Not applicable to personal purchases by consumers.

• Section 206C(1H) (seller TCS 0.1%): Seller collects on receipts exceeding ₹50 lakh from a buyer in a FY. If 194Q applies, 194Q takes precedence and 206C(1H) generally does not apply simultaneously to the same transaction.

• Practical note: Reconcile PAN‑wise thresholds, exclude GST where law/clarifications prescribe, and ensure one provision applies – not both – on the same leg.

Cash and KYC norms consumers must know

• Section 269ST: Restricts cash receipts of ₹2,00,000 or more per person, per day/occasion/transaction. High‑value jewellery/bullion buys should be paid via UPI/NEFT/RTGS/card for a clean trail.

• PAN/Aadhaar quoting (Rule 114B): PAN is mandatory for jewellery/bullion transactions above prescribed thresholds; KYC may require Aadhaar and address proof. Jewelers often request PAN even below thresholds to meet audit and AML norms.

• Why digital is cleaner: UPI and bank transfers create an audit‑friendly trail, simplify ITR reporting, and avoid penalties tied to cash breaches.

NRI notes in brief

• TDS may apply on certain redemptions or capital gains payments to non‑residents at rates in force under the Income‑tax Act/tax treaty. Maintain FEMA/RBI documentation and share a valid TRC/Form 10F where applicable to claim treaty benefits.

Practical compliance tips

• Always capture PAN on the invoice for high‑value buys; verify your name and PAN spelling.

• Prefer UPI/NEFT/card over cash; retain payment proofs and bank statements.

• Ask for a breakup bill: metal value, making charges, and GST split (3% on metal, 5% on making/repair); include HUID for hallmarked jewellery.

• If you run a business: ensure GSTIN, supplier GSTIN, place of supply, HSN codes, and correct TCS/TDS treatment; reconcile PAN‑wise thresholds monthly.

“UPI crossed 10+ billion transactions per month in 2025; in August 2025 alone, it processed over 20 billion transactions.” – Source

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Worked examples you can copy: jewellery, coins/bars, digital SIP, SGB

Example A – Jewellery purchase today, sale within 18 months

• Buy today:

  • Metal value (10 g): ₹70,000

  • Making charges (10%): ₹7,000

  • GST on metal @3%: ₹2,100

  • GST on making @5%: ₹350

  • Total invoice: ₹79,450

  • Note: For capital gains, the cost of acquisition typically includes everything you paid to acquire (metal + making + GST), provided you have a proper invoice.

• Sell after 18 months (STCG at slab):

  • Assume market price = ₹9,000/g; jeweller pays 2% below = ₹8,820/g

  • Sale proceeds: 10 g × ₹8,820 = ₹88,200

  • Short‑term capital gain (FIFO not needed as single lot): ₹88,200 − ₹79,450 = ₹8,750

  • Tax: STCG taxed at your slab rate (+ cess/surcharge)

Tip: Always ask for a breakup invoice (metal vs making) and keep the HUID on record – helps prove cost.

Example B – Digital gold SIP via UPI (₹100/day for 200 days), partial sale at day 400

• Accumulation (illustrative pricing):

  • Days 1–50: price ₹6,000/g; buy ₹100/day ⇒ 0.016667 g/day ⇒ total ≈ 0.8333 g (cost ≈ ₹5,000)

  • Days 51–200: price ₹6,500/g; buy ₹100/day ⇒ 0.0153846 g/day ⇒ total ≈ 2.3077 g (cost ≈ ₹15,000)

  • Total holding ≈ 3.1410 g; total cost = ₹20,000

• Sell on day 400 (all lots < 36 months ⇒ STCG):

  • Assume sell price = ₹7,200/g; you sell 1.0000 g ⇒ sale proceeds = ₹7,200

  • FIFO cost of 1.0000 g:

    • First 0.8333 g from days 1–50 @ ₹6,000/g ⇒ ₹5,000

    • Next 0.1667 g from days 51–200 @ ₹6,500/g ⇒ ≈ ₹1,083

    • Total FIFO cost ≈ ₹6,083

  • STCG ≈ ₹7,200 − ₹6,083 = ₹1,117 (taxed at your slab)

• If you sold after 36 months:

  • Any grams older than 36 months from purchase date would be LTCG (20% with indexation). Younger grams remain STCG – FIFO decides which grams were sold.

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Example C – Silver bar held 4+ years, then sold (indexation)

• Buy (FY 2021–22): 1 kg bar for ₹50,000; Sell (FY 2026–27): ₹85,000

• Indexation (illustrative CII values – use actual CBDT CII for filing):

  • Suppose CII (purchase year) = 317; CII (sale year) = 400

  • Indexed cost = ₹50,000 × (400 ÷ 317) ≈ ₹63,090

  • LTCG = ₹85,000 − ₹63,090 ≈ ₹21,910

  • Tax = 20% of ₹21,910 ≈ ₹4,382 (+ cess/surcharge)

• Notes:

  • Keep invoice, purity, and serial number (for bars) as documentation.

  • Transfer expenses (assay, exchange fees) can reduce taxable gain if directly related to the sale.

Example D – SGB held to maturity

• Buy at primary issue: 10 units (10 g) @ ₹5,800/g = ₹58,000; no GST on units.

• Interest: 2.5% p.a., paid semi‑annually ⇒ annual interest ≈ ₹1,450 (taxed at slab; generally no TDS for resident individuals).

• Redeem at maturity (8 years): Suppose redemption price ₹7,800/g ⇒ proceeds = ₹78,000.

• Tax at exit: Capital gains on redemption for individuals are exempt. Only interest was taxable annually.

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Records you must keep: make tax filing painless

Keep these for every buy/sell

• GST tax invoice with HSN, HUID (for hallmarked jewellery), supplier GSTIN, place of supply, and invoice number/date.

• Payment proofs: UPI/IMPS/NEFT/card slips, bank statements, and receipt acknowledgements; PAN/Aadhaar references for high‑value transactions.

• Platform statements for digital gold/silver, FIFO lot history, and monthly/annual summaries; ETF/SGB contract notes or demat statements.

For capital gains computation

• Purchase dates, quantities, rates; sale dates, quantities, rates; and transfer expenses (assay, brokerage, platform fees).

• CII reference for indexation (if applicable) and calculation sheets; scrip‑wise working for ETFs/FoFs; FIFO download for SIPs/micro‑buys.

Reporting in ITR

• Individuals usually file ITR‑2 for capital gains; use ITR‑3 if treating trades as business income.

• Fill Schedule CG (capital gains), disclose scrip‑wise where required; include interest on SGBs under “Income from Other Sources.”

• Reconcile Form 26AS and AIS/TIS with your invoices and statements to avoid mismatch notices.

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Planning tips to reduce tax drag (without breaking rules)

Pick the right instrument for the job

• SGB for long‑term allocation: Maturity redemption gains are exempt for individuals; you also earn 2.5% interest (taxable). Ideal for core, set‑and‑forget gold allocation.

• ETFs for liquidity and price‑based tactics: Intraday trading, easy rebalancing. Note: Most units bought on/after 1 Apr 2023 are taxed at slab rates on sale (no indexation).

• Digital gold/silver for habit building and gifting: Start from ₹1 via UPI, automate daily/weekly SIPs, gift small amounts, and keep clean, GST‑compliant invoices. Great for first‑time investors and goal‑based stacking.

• Coins/bars vs jewellery: For pure investing, coins/bars minimize making charges; jewellery is best for use + sentiment. Always compare the gold buy and sell price and the spread you’re paying.

Timing matters

• Cross the LTCG threshold: For physical/digital bullion, holding > 36 months may qualify for LTCG with indexation – often a lower effective tax than slab‑rate STCG.

• SGB exits: If you’re close to maturity, prefer redemption (exempt gains) over secondary‑market sale (taxable capital gains).

• ETFs/FoFs: If you hold legacy units bought before 1 Apr 2023, consider the > 36‑month window for indexation; newer units are slab‑taxed regardless of period – plan exits accordingly.

• Harvest losses, offset gains: Short‑term capital loss (STCL) can set off against STCG and LTCG; long‑term capital loss (LTCL) can set off only against LTCG. File your ITR on time to carry forward losses up to 8 years.

Transaction hygiene

• Use UPI/bank modes; avoid cash to stay clear of Section 269ST issues and to maintain an audit trail.

• Get clean invoices: Ask for a breakup – metal value (3% GST) vs making/repair charges (5% GST), HSN/HSN code, GSTIN, HUID for hallmarked jewellery.

• Separate personal vs business: Distinct bank accounts and GSTIN (if applicable). For business purchases, reconcile TDS/TCS (Sections 194Q/206C(1H)) and maintain PAN‑wise thresholds.

Gifting and family planning

• Know Section 56(2) rules: Gifts from specified relatives (e.g., spouse, parents, siblings, lineal ascendants/descendants) are tax‑exempt for the recipient; gifts from non‑relatives may be taxable if aggregate value exceeds ₹50,000 in a FY.

• Clubbing check: If you gift to spouse or minor child, subsequent income may be clubbed back to you – plan ownership and timing accordingly.

• Document gifts: Simple gift deed, PAN/Aadhaar copies, transfer proofs, and updated holding records (FIFO lot history if digital).

Always verify latest circulars

• Budget changes can tweak holding periods, indexation, and ETF/MF tax categories. Before large sells or switching instruments, review the latest CBDT/CBIC notifications and your broker/platform tax notes.

Smart execution beats timing:

• Compare platforms for tight spreads and transparent fees in your gold investment in India.

• Prefer coins/bars for pure investing; keep jewellery making charges in check.

• SIP with discipline, then wait for your oldest lots to cross 36 months before selling – FIFO will reward your patience.

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FAQs: fast answers for 2026–27

Is GST the same on 22k vs 24k gold? On silver too?

• Yes. GST is 3% on the metal value regardless of purity (22k/24k gold or silver). Services like making/repair attract 5% GST when billed separately.

Do I pay GST when I buy ETFs/SGBs?

• No GST on fund units or SGB units. Brokerage/platform service charges (if any) may carry 18% GST. The underlying metal’s taxes are handled at the issuer level.

How are digital gold/silver sales taxed?

• Exactly like physical metal: capital gains based on your holding period (STCG at slab, LTCG rules where applicable). Use FIFO if you made multiple purchases (SIPs/micro‑buys).

Do individuals face TDS on personal purchases?

• Typically no. TDS/TCS provisions mainly apply to business‑scale trade or when statutory thresholds are crossed. Routine personal jewellery/coin/digital buys don’t generally attract TDS.

How do I report in ITR?

• Report gains in the Capital Gains schedules (ITR‑2 for most individuals; ITR‑3 if you treat activity as business). Report SGB interest under “Income from Other Sources.” Keep invoices, platform statements, and reconcile with 26AS/AIS.

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Conclusion: start building tax‑smart gold and silver with OroPocket

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