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GOI bonds are low risk debt instruments issued by the Government of
India against underlying assets of the government. The returns on investment (ROI) are comparable to Bank FDs and are guaranteed of being repaid in fixed time intervals along with the interests.


Sr No


10 Years

Minimum Investment Rs.1000
Maximum Investment No ceiling
Tenure 6 years ( pre- mature withdrawal not allowed)
Rate of interest 8% p.a., taxable.
Interest payment option Half- yearly or Cumulative
Dates of payment of interest For Non – cumulative Bonds, 1st February and 1st August of each year
Maturity value For Cumulative Bonds , Rs.1601 for every Rs.1000
Transferability A Bond in the form of Bond Ledger Account and is nontransferable


A. Individuals
B. Hindu Undivided Family
C. Charitable Institutions


  1. A company registered under section 25 of the Indian Companies Act 1956.
  2. An institution that has obtained a certificate of Registration as Charitable Institution in accordance with the law in force.
  3. Any institution that obtained Certificate from an income tax authority under section 80 G of the Income Tax Act. 1961.
  4. Any institution notified by the Central Government under clauses (ii) or (iii) of Sub – Section (1) of Section 35 of the Income Tax Act, 1961.


D. University

A university established under Central, State or Provincial Act, including an institution declared to be a university under Section 3 of the University Grants Commission Act. #NRIs are not eligible for investment in saving bonds.

Rate of Return: These taxable bonds will offer 8 percent return per annum, payable half-yearly on 1st February and 1st August. Both Cumulative and non-cumulative options are available. Interest on Bond in the form of "Bond Ledger Account" will be paid, by cheque/warrant or through ECS by credit to bank account of the holder as per the option exercised by the investor/holder.


Taxation Income-Tax: Interest on the Bonds will be taxable under the Income-Tax Act, 1961 as applicable according to the relevant tax status of the bond holder.


Wealth Tax: The Bonds will be exempt from Wealth-tax under the Wealth- tax Act, 1957.