Whalesbook
So, government ne gold investments ke tax rules mein bada change kar diya hai, jo April 1, 2026 se लागू hoga. Isse Sovereign Gold Bonds (SGBs), Gold ETFs, aur Mutual Funds sab affected honge. Gold prices waise bhi ₹154,900 per 10 grams ke aas-paas pahunch gaye hain, aur pichle saal se 60% se zyada badhe hain, toh ab investment strategy change karni padegi.
SGBs Pe Sabse Bada Dhamaka!
Jo SGBs hain na, unke liye April 1, 2026 se sabse bada change aa raha hai. Pehle, 8 saal maturity ke baad gains tax-free milte the sabko. Ab ye tax-free benefit sirf un original buyers ko milega jo maturity tak hold karenge. Market se SGBs kharidne walon ko capital gains tax bharna padega - agar 12 mahine se upar hold kiya toh 12.5% LTCG, warna income tax slab ke hisaab se. Agar original buyer bhi ho aur 5 saal baad redeem kar rahe ho, toh bhi LTCG tax lagega. Aur haan, jo 2.5% annual interest milta hai, woh tax hoga income slab pe.
ETFs Aur Mutual Funds Ka Kya?
Gold ETFs aur Gold Mutual Funds bhi ab pahle jaisa faydemand nahi rahe. Agar units 12 mahine se zyada rakhe toh 12.5% LTCG tax lagega. Short term ke liye income tax slab lagoo hoga. Ye equity se alag hai, jahan ₹1.25 lakh tak ke gains pe 12 months baad 12.5% tax lagta hai.
Physical Gold Pe Bhi Cost Ka Pressure
Aur jo log physical gold kharidte hain, unhe toh pehle se hi 3% GST aur 8-25% tak making charges lagte hain, jo investment return ko kaafi kam kar dete hain. Isse ye ek tarah se kharidari zyada, investment kam ho jaati hai.
Toh Ab Kya Karein?
Ye naye tax laws investors ko thoda savdhan kar rahe hain. SGBs ko open market se kharidne ka tax advantage gayab hai. Toh prices aur SGBs ko consider karte waqt dhyan dena hoga. Digital gold convenient hai par regulated space kam hai.
Gold Ka Future Kya Kehta Hai?
Par ek baat pakki hai, gold ka long-term appeal abhi bhi strong hai. Global issues, govt deficits, aur central banks ki buying iske value ko support karti hai. Experts ka kehna hai ki portfolio ka 15-20% gold-silver mein rakho. Aur price drop hone par buy karne se next 5 years mein good double-digit returns mil sakte hain, jo portfolio ko balance karega.