Issued by the Government of India, RBI Bonds are one of the most secure bonds to invest in. Investors can purchase RBI Bonds from 12 nationalized banks and 4 private banks, which are HDFC Bank, ICICI Bank, IDBI Bank, Axis Bank, and Stock Holding Corporation of India Limited. 

The maturity of an RBI Bond is 7 years. However, a return can be initiated at any time of the year along with a penalty applied to it. 

If you can lock in your investment for 7 years, then investing in RBI Bonds can be a great decision. The lock in for senior citizens varies as per age. It is 6 years for investors between the age of 60 and 70 years, 5 years for 70 and 80 years, and 4 years for those above 80 years. 

RBI Bonds issued by the Government of India are totally safe and secure. Despite the lock-in period being long, the bonds offer an excellent opportunity to invest in a safe place without risk. The RBI rate of interest, referred to as coupon rates is the primary highlight of this investment bond. This is because it provides zero-credit risk, also offering higher returns than FD accounts and tax-free bonds. 

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