What is GOI Dated Bond? Features, Interest Rates & Buying Guide
11 March 2025 · Sachin Gadekar
A Complete Guide to GOI Dated Bonds – Features, Interest Rates, and Investment Process
Features of GOI Dated Bonds
Government of India (GOI) Dated Bonds are long-term debt securities issued by the Reserve Bank of India (RBI) on behalf of the government to raise capital. These bonds come with fixed maturity dates and periodic interest payments, making them a secure investment for individuals and institutions.
In this article, we will explore GOI Dated Bonds, their features, interest rates, maturity options, and how to invest in them through SBI, Zerodha, and other platforms.
Features:
Issued by RBI – Backed by the Government of India, ensuring minimal risk.
Fixed Maturity – Ranges from 5 to 40 years.
Interest Payments – Semi-annual or annual interest payouts.
Tradability – Can be traded in the secondary market.
Tax Benefits – Certain government bonds offer tax exemptions under specific schemes.
GOI Dated Bond Interest Rates & Maturity
| Bond Type | Interest Rate | Maturity Year |
|---|---|---|
How to Buy GOI Dated Bonds?
Investors can purchase GOI Dated Bonds through multiple channels:
1. SBI and Other Banks – Available via select branches and internet banking.
2. Stock Exchanges (NSE & BSE) – Can be bought and sold like shares.
3. Zerodha and Other Brokers – Online investment platforms like Zerodha allow retail investors to buy these bonds.
4. RBI Retail Direct Portal – A direct way to invest in government securities.
Advantages of GOI Dated Bonds
Safe & Secure – Backed by the Indian government, ensuring zero default risk.
Regular Income – Fixed interest payouts provide financial stability.
Diverse Maturity Options – Investors can choose bonds with different durations.
Liquidity – Tradable on stock exchanges.
Frequently Asked Questions (FAQs)
1. What is the minimum investment amount in GOI Dated Bonds?
The minimum investment varies but generally starts at ₹10,000.
2. Are GOI Dated Bonds available for retail investors?
Yes, retail investors can purchase these bonds through RBI, banks, and brokerage platforms like Zerodha.
3. Can I sell GOI Dated Bonds before maturity?
Yes, GOI Dated Bonds can be sold in the secondary market before maturity.
4. How are GOI Dated Bond interest rates determined?
Interest rates are determined by RBI auctions and market demand.
5. Are GOI Dated Bonds taxable?
Yes, interest earned is taxable, but some government bonds offer tax benefits.
Conclusion
GOI Dated Bonds are an excellent investment option for those seeking low-risk, fixed-income securities. With multiple maturity options, stable interest rates, and accessibility via banks, exchanges, and online platforms, they provide a reliable avenue for wealth preservation.
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