Gold vs RD — a physical hedge or a guaranteed bank return?
A Recurring Deposit gives a fixed, guaranteed rate on a monthly contribution. Gold has no guaranteed return but has historically held value differently during inflation and market stress. Compare both on the same monthly amount.
Gold Calculator vs RD Calculator — 10-year comparison
Opens Compare Lab pre-loaded with both, in your own currency — adjust any input and the chart updates instantly.
Compare now →Physical or digital gold, valued by weight at the prevailing market price, plus making charges and GST on physical purchases.
Best for: A smaller diversifying allocation (typically 5–15% of a portfolio) as an inflation and crisis hedge, not a primary growth holding.
A fixed amount deposited with a bank every month for a fixed tenure, at a fixed interest rate.
Best for: Building a savings habit for a short-to-medium-term goal when you don't have a lump sum to deposit upfront.
Does gold beat an RD's guaranteed rate?
Over some periods yes, over others no — gold's return isn't guaranteed the way an RD's rate is, so the comparison depends entirely on the specific years you run it over, which is exactly what this page lets you check.
Which is more liquid?
Both are relatively liquid, but an RD usually carries a penalty for early withdrawal before maturity, while gold (especially digital or SGB) can typically be sold without a similar penalty.
Where do these numbers actually come from?
The same calculation engine that powers our standalone calculators and Compare Lab — nothing here is a separate or simplified estimate. Every assumption (rate, tenure, tax) is visible and adjustable once you open the comparison with your own numbers.