AF Applica Finance
Plan My Investments
34. Sovereign Bonds by Country

RBI Retail Direct Gilt Account

India

RBI platform letting individuals directly buy and hold government securities.

Risk Level
Low ★★☆☆☆
Liquidity
🟢 High
Min Investment
₹10,000
Ticket Size
₹1 (RBI Retail Direct)
Ideal Horizon
1–30 years
Region
India

📈 Historical Returns (Indicative)

1 Year
6.8–7.5%
3 Years
7–7.5%
5 Years
7–7.5%
10 Years
7–7.5%
20 Years
7–7.5%

⚠️ Indicative historical ranges only. Past performance does not guarantee future results. Returns vary significantly across individual instruments.

🧮 XIRR Calculator — RBI Retail Direct Gilt Account

Enter your actual investment dates and amounts to calculate your personal annualised return (XIRR). Use negative values for money invested, positive for money received back.

✅ Pros & ❌ Cons

Advantages

  • ✅ Low risk — capital largely protected
  • ✅ High liquidity — can exit anytime during market hours

Disadvantages

  • ❌ Requires due diligence before investing
  • ❌ Returns not guaranteed

🚀 How to Invest in RBI Retail Direct Gilt Account

  1. Research and compare options on Applica Finance
  2. Open appropriate account (Demat, bank, or platform account)
  3. Complete KYC with PAN and Aadhaar
  4. Start with minimum investment; scale up gradually

💰 Tax Treatment (India)

Gains taxed as per applicable income tax slab or capital gains rules
Consult a tax advisor for your specific situation
Disclaimer: This page is for educational purposes only and does not constitute financial advice. Returns shown are indicative historical ranges and not guaranteed. Consult a SEBI-registered investment advisor before investing.
← Back to All 502 Investments More Calculators →