Q1: Are SGB interest payments taxable?
No, interest is tax-free under Section 10(15)(iv)(h). Our sgb calculator shows post-tax maturity values.
Q2: What's the minimum investment?
1 gram (₹6,450 in 2024 Series III). Maximum is 4 kg for individuals.
Q3: How often is interest paid?
Semi-annually (every 6 months) to your bank account. Track payments using our tool.
Q4: Can I gift SGBs?
Yes, through demat transfer. Use our sgb calculator to estimate gift value.
Q5: Is demat account mandatory?
Yes, for safe digital holding. Paperless trading via NSE/BSE exchanges.
Q6: What if gold prices fall?
RBI guarantees 2.5% interest regardless of market conditions. Calculate minimum returns with our tool.
Q7: Are seniors eligible for extra benefits?
Yes, 60+ investors get priority processing. Use calculator to estimate standard returns.
Q8: How to track SGB value?
Check NSI portal or use our sgb calculator with current gold prices.
Q9: What documents are needed?
PAN, Aadhaar, and bank details. See our Eligibility page for full list.
Q10: Can I invest during IPO?
Yes, through stock exchanges during subscription periods. Calculate required amounts here.
Q11: Is nomination allowed?
Yes, via demat account settings. Plan inheritance using our maturity calculator.
Q12: How to check current series?
Visit RBI's CGM portal or check our Series List page for latest tranches.
Q13: What's the exit load?
0.5% if sold before 5 years. Our tool calculates post-load returns.
Q14: Can I switch series?
No, each tranche is fixed. Use calculator to compare different series returns.
Q15: Are TDS applicable?
No TDS on interest or maturity proceeds per RBI guidelines.
Q16: What's the redemption process?
Automatic credit to bank account at maturity. Use our tool to estimate amounts.
Q17: Can trusts invest in SGB?
Yes, with valid PAN. Check our Eligibility page for documentation details.
Q18: How are SGBs different from Gold ETFs?
SGBs offer 2.5% interest + tax-free maturity. ETFs have no interest. Compare using our tool.
Q19: Is physical delivery available?
No, SGBs remain digital. Eliminates storage risks and costs.
Q20: What happens to bonds after death?
Transferable via nomination. Use our calculator to estimate inheritance value.