RBI Bonds

Floating Rate Savings Bonds, 2020 (Taxable)
  • Interest Rate: Base rate plus spread (currently 7.35% p.a. as of April 2025)
  • Interest Calculation: Reset every 6 months (January 1 and July 1)
  • Base Rate: NSC (National Savings Certificate) rate
  • Minimum Investment: ₹1,000 (no maximum limit)
  • Tenure: 7 years
  • Interest Payment: Half-yearly on January 1 and July 1
  • Premature Withdrawal: Allowed for senior citizens with penalties (after 4, 5, or 6 years)
  • Tax Status: Interest is fully taxable as per the investor's income tax slab

Key Features of RBI Bonds

Who Should Invest in RBI Bonds

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