RBI Sovereign
RBI Secondary Exchange Desk
Sovereign Interest
Fixed2.50%p.a. + Gold Appr.*
0% LTCG Tax Exemption Direct RBI Guarantee
Minimum Issue₹ 10,000
Sovereign Tenure8 Years (Exit @ 5Y)
🛡️ Sovereign & AAA Debt Mandates · ARN-307640
RBI Sovereign Gold Bonds: Guaranteed 2.5% Annual Yield with 0% LTCG
The supreme institutional gold asset. Earn contractual 2.50% p.a. semi-annual sovereign interest payouts on issue price, capture pure 999 gold capital appreciation, and enjoy 100% tax exemption on capital gains at statutory maturity.
2.50% p.a. FixedSemi-Annual Cashflow Direct to Bank
0% LTCG Tax100% Statutory Exemption u/s 47(viic)
Sovereign GuaranteeIssued by Reserve Bank of India
Demat CustodyZero Storage, Making, or Theft Risk
Sovereign Wealth Compounding
The 8-Year Sovereign Gold Lifecycle & Wealth Curve
Understand the four milestones of the Sovereign Gold Bond lifecycle: from discounted digital subscription to tax-free RBI redemption.
Tranche Subscription
₹50/g Digital Discount
Official RBI Primary Issue Window
Subscribe digitally at official RBI issue price with statutory ₹50 per gram discount and instant Demat credit.
Years 1 to 8
2.50% p.a. Fixed
Semi-Annual Direct Bank Cashflows
Contractual sovereign interest credited directly to your bank account twice yearly on nominal issue value.
5th Year RBI Exit
Pure Gold Price
Official RBI Premature Redemption Window
Option to redeem directly with the Reserve Bank of India on coupon payment dates from Year 5 onwards.
8-Year Maturity
100% Tax Free
Statutory Capital Gains Exemption
Complete 0% Long-Term Capital Gains tax immunity under Section 47(viic) on redemption with RBI.
Sovereign Protection
4-Pillar Statutory Immunity & Security Architecture
Sovereign Gold Bonds eliminate every structural cost and vulnerability inherent in traditional physical bullion.
Pillar 1: Sovereign Guarantee
Consolidated Fund of India
Issued under the Government Securities Act, 2006. Both principal and annual interest are unconditionally guaranteed by the Government of India.
Pillar 2: Complete Tax Immunity
Section 47(viic) Exemption
Capital gains on SGB redemption with RBI are 100% exempt from income tax, saving up to 12.5% compared to physical gold or ETFs.
Pillar 3: Zero Impurity & Storage
No Making Charges or Locker Rent
Eliminates 15% to 25% jeweller making losses, melting wastage, and recurring bank safe deposit locker rental fees.
Pillar 4: Prime Banking Collateral
LAMF & LAP Recognition
SGBs held in Demat format are recognized by scheduled commercial banks as prime security for instant collateralized loans.
Comparative Alpha
Sovereign Gold Bonds vs Physical Gold Jewellery vs Gold ETFs
Analyze why financial planners consider Sovereign Gold Bonds the most tax-efficient and profitable gold investment vehicle in India.
Performance Metric
Physical Gold Jewellery
MFeasy Sovereign Gold Bonds
Regular Annual Cashflow
0.00% (Negative cashflow due to bank locker rental and insurance).
+2.50% p.a. guaranteed sovereign interest credited semi-annually to bank.
Capital Gains Tax (LTCG)
12.5% Long-Term Capital Gains tax on sale proceeds.
0% Tax (100% statutory capital gains exemption on maturity under Sec 47(viic)).
Entry & Fabrication Costs
10% – 25% making charges and melting wastage lost upon resale.
0% making charges + ₹50 per gram statutory discount on digital subscription.
Storage & Theft Risk
Physical theft risk requiring expensive bank safe deposit lockers.
Held in electronic Demat format in NSDL/CDSL with sovereign RBI guarantee.
Lock Today's Sovereign Rates Before Rate Cut Cycles
Our treasury desk secures priority corporate quotas for retail and family office accounts.
Curated Fixed Income
Live Sovereign Gold Bonds (SGB) Offerings
Explore verified offerings with indicative yields, institutional terms, and direct digital application portals.
RBI Sovereign
Reserve Bank of India
Sovereign Interest
Fixed2.50%p.a. + Gold Appr.*
0% LTCG Tax Exemption Direct RBI Guarantee
Minimum Issue₹ 6,149
Sovereign Tenure8 Years (Exit @ 5Y)
RBI Sovereign
Reserve Bank of India
Sovereign Interest
Fixed2.50%p.a. + Gold Appr.*
0% LTCG Tax Exemption Direct RBI Guarantee
Minimum Issue₹ 6,263
Sovereign Tenure8 Years (Exit @ 5Y)
Gold Intelligence
Sovereign Gold Tools & Issuance Analytics
Model post-tax gold alpha, track RBI issuance schedules, and access secondary market tranches.
Gold Simulator✨ Sovereign Alpha
SGB vs Physical Gold Wealth Growth Simulator
Compare 8-year post-tax wealth accumulation curves across physical jewellery, digital gold, ETFs, and SGBs.
RBI Calendar📅 RBI Tranche Dates
SGB Issuance Series & Sovereign Redemption Dates
Track RBI official tranche issuance schedules, historical tranche pricing, and upcoming secondary exit windows.
Secondary Desk🎯 Secondary Desk
Secondary Market SGB Acquisition & Demat Routing
Acquire seasoned secondary SGB tranches trading at attractive discounts to spot gold via our treasury desk.
Clarity & Governance
Frequently Asked Questions
Clear, straightforward answers regarding process, safety, tax treatment, and liquidity.
What is a Sovereign Gold Bond (SGB) and who issues it?
Sovereign Gold Bonds are government securities denominated in grams of gold. They are issued by the Reserve Bank of India on behalf of the Government of India under the Government Securities Act, 2006. Investors pay the issue price in cash and redeem the bonds in cash on maturity based on the prevailing 999 purity gold prices.
How is the 2.5% annual interest calculated and paid?
The 2.50% p.a. fixed interest is calculated on the initial nominal issue price of the bond. It is credited semi-annually directly into the investor's registered bank account throughout the 8-year tenure, regardless of fluctuations in gold market prices.
Is the capital gain on SGB maturity really 100% tax-free?
Yes. Under Section 47(viic) of the Indian Income Tax Act, 1961, any capital gains arising to an individual on redemption of Sovereign Gold Bonds with the RBI are completely exempt from tax. However, the semi-annual 2.5% interest is taxable as income from other sources at your slab rate.
Can I redeem my SGB before the 8-year maturity period?
Yes, in two ways. First, premature redemption with the RBI is permitted after the 5th year on interest payment dates. Second, SGBs held in Demat form can be traded and sold on the secondary market of the NSE and BSE at any time at prevailing market prices.
Regulatory Disclosure & Risk Notice: Sovereign Gold Bonds are issued by the Reserve Bank of India on behalf of the Government of India. Gold prices are subject to global commodity market volatility. KS Finoleg Services Pvt Ltd (MFeasy) facilitates SGB primary subscriptions and secondary market demat execution. Investors are advised to align gold allocations with their overall financial portfolio risk tolerance.