RBI Bonds, also known as the RBI Floating Rate Savings Bonds, are debt instruments offered to residents looking for a secure and long-term investment option. These bonds are non-tradable, non-transferable, and carry a floating interest rate that is reset every six months, typically linked to other government securities. They offer an effective way to earn regular interest while keeping your capital safe.

Types of RBI Bonds 
Currently, RBI Bonds are offered under a single category, but they are available in two interest payout modes:

  • Non-Cumulative Option : Interest is paid every six months.
  • Cumulative Option : Interest is compounded and paid at maturity.

Features of RBI Bonds

  • Government Backing : Fully backed by the Reserve Bank, ensuring capital protection and timely payouts.
  • Floating Interest Rate : Interest is reset every six months, linked to government security rates.
  • Minimum and Maximum Limits : Minimum investment starts at ?1,000; no upper limit, making it flexible for all categories of investors.
  • Lock-In Period : Bonds have a maturity of 7 years with premature withdrawal allowed for senior citizens under specific conditions.
  • No Market Risk : As a non-market linked product, returns are not affected by stock market movements.
  • Taxability : Interest income is taxable as per the applicable income tax slab.

RBI Bonds offer a safe and dependable investment avenue for those looking to earn stable returns with complete peace of mind. Whether you're planning for retirement or seeking regular income, these bonds are a reliable choice.

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