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How to track the prices of your SGB portfolio for free in Google Sheets via the Arthgyaan SGB price API?

Posted on 06 Feb 2025
Author: Sayan Sircar

Tags: Gold ; Free Planning Tool

9 mins read
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This article walks you through setting up and tracking your SGB portfolio for free using this user-friendly and free tool.

How to track the prices of your SGB portfolio for free in Google Sheets via the Arthgyaan SGB price API?

📚 Table of Contents

How to track your SGB portfolio value for free?
What is SGB and how to invest in it?
- Why should investors choose SGB over other types of gold investments?
- Which SGB series should you buy based on the highest discount?
How to use the sheet to track the value of your SGB portfolio?
What should you do once you are able to track your SGB portfolio?

This article is a part of our detailed article series on the concept of Sovereign Gold Bond (SGB). Ensure you have read the other parts here:

SGB return vs issue price: what returns do you expect to get from SGB?

This article compares the currently active SGBs vs the latest SGB issue price to see what returns are implied for investors who are already invested.

Sovereign Gold Bond (SGB): Which Series is Best for You?

This article explains which Sovereign Gold Bond (SGB) series should be bought from the stock market if you are planning to invest in SGB.

The Ultimate Guide to Which Type of Gold Gives the Best Returns

This article helps you choose the right type of gold for your long-term investments since all options do not give the best results.

How to buy SGB from the stock market?

This article shows you how to buy Sovereign Gold Bonds (SGB) from the stock market using your demat account.

Sovereign Gold Bond (SGB): complete issue price history in India

This article provides a complete history of SGB issue price history since 2015 to help investors track the how the issue price has moved over time.

Frequently asked questions on Sovereign Gold Bonds (SGB): the complete guide

This article compiles an exhaustive list of FAQs for Sovereign Gold Bonds (SGB).

How to track your SGB portfolio value for free?

This article shows how to track your Sovereign Gold Bond (SGB) holdings for free using Google Sheets.

Tracking Portfolio Value And Price Of Sovereign Gold Bonds Sgb For Free Via Google Sheets Or Excel API

We have added new functionality in the Arthgyaan goal-based investing calculator to track, for free, any SGB that you might hold either in your demat account or in Statement of Account (SOA) mode.

The calculator can now track, apart from SGB,

Indian mutual funds
NPS holdings for both Tier 1 and Tier 2
Indian stocks
Foreign stocks and funds

Before getting into the details of tracking your SGB portfolio, here are some articles to help you with investing in SGB.

What is SGB and how to invest in it?

A Sovereign Gold Bond (SGB) is a piece of paper issued (in digital form) by the Government of India with the following features. For every unit of SGB purchased, the investor will:

buy it when issued at the current price of 1 gram of gold
get 2.5% interest (paid as 1.25% every six months; fully taxable at slab rates) on the invested amount
get back money as per the prevailing price of gold in eight years. Money received may be higher or lower than the purchase price and cannot be predicted in advance
if desired, sell it via the stock exchange five years after issuance
there are no capital gains taxes if held until maturity for eight years. Else, you will need to pay taxes based on the holding period

Why should investors choose SGB over other types of gold investments?

Gold can be purchased in three main forms:

physical gold in the form of coins / bars
gold mutual fund or ETF: How to choose a gold mutual fund?
Sovereign Gold Bond (SGB): Frequently asked questions on Sovereign Gold Bonds (SGB): the complete guide

Of all these options, only SGB is tax-free on maturity and gives interest. All other options have tax on selling, GST/making charges on purchase (for physical) and no income from holding the metal.

This article makes the case for SGB investing over other types of gold: The Ultimate Guide to Which Type of Gold Gives the Best Returns.

Which SGB series should you buy based on the highest discount?

Now that SGB is no longer issued after Union Budget 2024, the only way to buy SGB is via the stock exchange. So unless you already hold SGB in some form, you need a demat account and place orders based on the discount available on SGB vs. its price.

The price of an SGB, i.e. the Fair Value, in the stock market depends on the demand and supply of the SGB apart from its intrinsic value.

Fair Value of SGB = Intrinsic value + Demand-supply effects

Intrinsic value depends on two things:

the current market price of 24-karat gold
the present value of all the interest payments yet to be received

This calculation can be complicated and this article will help you know which SGB can be purchased at what price: Which SGB series should you buy based on the highest discount?.

Did you know that we have a private Facebook group which you can join for free and ask your own questions? Please click the button below to join.

Also read
A complete history of gold prices in India since the 1950s

How to use the sheet to track the value of your SGB portfolio?

The easiest solution for getting the latest value of the SGBs in your portfolio is to use the portfolio tracker function of the Arthgyaan goal-based investing tool. There is no charge for using the portfolio tracking feature. All you have to do is enter the SGB ticker in column E and the number of units you hold in column G in the assets tab of the sheet.

We will use Google sheets to create a simple calculator for this calculation. There is a link to download a pre-filled copy of the Google sheet via the button below.

Important: You must be logged into your Google Account on a laptop/desktop (and not on a phone) to access the sheet.

Here are some case studies using the tool (click the image below)

Case Studies using Goal-based-investing tool playlist

Please refer to the “assets” tab of the sheet once you open it. The tickers come from the NSE Website via this link: NSE SGB List

Important: SGB prices are not available if that bond did not trade on a particular day on the NSE. In such cases, the value shown will be zero.

The same data is available as an API for Google Sheets and Excel users who would like to track it themselves.

What should you do once you are able to track your SGB portfolio?

If you are using the tool as described above, you will get a view like this in the “goals” tab:

Portfolio Combined Asset Allocation

Setting up your current portfolio and knowing the asset allocation is the first step towards creating your financial plan like this: Case study: how this double income single kid family can perform DIY goal-based investment planning

Youtube Tutorial Screenshot

You can see what the Arthgyaan goal-based investing tool can do via these YouTube tutorials: Click to watch

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