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SGB Term

SGB Interest Rate

The fixed 2.5% annual interest paid on Sovereign Gold Bonds

Quick Definition

The fixed 2.5% annual interest paid on Sovereign Gold Bonds

Complete Explanation

SGB Interest Rate is the fixed annual interest of 2.5% paid on Sovereign Gold Bonds by the Government of India.

Interest details: - Rate: 2.5% per annum (fixed for all SGB series) - Payment: Semi-annual (every 6 months) - Calculation: Based on issue price, not market price - Taxation: Interest income is taxable at investor's slab rate

Interest payment dates are typically: - 6 months from issue date - 12 months from issue date - And so on, until maturity

The interest rate is one of SGB's key advantages over other gold investments like Gold ETF or physical gold, which don't provide any income.

Interest is paid directly to the investor's bank account linked to the demat account.

Examples

  • 1₹1,00,000 SGB investment earns ₹2,500 interest per year
  • 2Semi-annual payment: ₹1,250 every 6 months
  • 3Interest is on issue price, not current market price

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