Security & Safety

Triple Security Layers

Government Backing

100% capital protection under Section 4 of SGB Scheme 2024

Zero default risk unlike corporate bonds

RBI Oversight

Issued through RBI's CGM (Currency & Gold Markets) division

Regulated under FEMA Act

Digital Infrastructure

Stored in NSDL/CDSL depositories

Blockchain-secured records

Why SGBs Are Safer Than Physical Gold

Risk FactorSGBPhysical Gold
Theft Risk0% (Demat storage)2.3% annual incidence
Purity Issues999.9 standardized8-22% market variance
Legal ProtectionRBI dispute resolutionNo institutional protection

Pro Tip

Use our sgb calculator to estimate risk-free returns

Guaranteed Redemption

Capital Assurance

Redeemed at NSI-verified gold price

Based on 999 purity London Bullion rate

Interest Protection

2.5% paid semi-annually despite market conditions

Continued during 2020-22 gold volatility

Legal Safeguards

NSI Compliance

Meets National Savings Institute standards

Verified in Circular No. F.4(1)-2023-GS

Anti-Forgery

Unique ISIN numbers for each bond

Format: INE000A01016 (example)

Market Regulation

Traded on RBI-regulated exchanges

NSE/BSE oversight

Your Protection Measures

  • Automatic NSI redemption tracking
  • Transparent holding statement
  • RBI grievance redressal access

Security Example

₹50L SGB investment:

- Fully traceable via demat
- Insured against institutional failure
- Legal ownership proof