Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
EligibilityResident individuals, HUFs, trusts, charitable institutions and universities; joint holding allowed. A minor cannot invest directly, but an individual may invest on behalf of a minor.View source
The official lists eligible entities, joint holding and minor rules.
- Source
- Sovereign Gold Bonds
- Page / section
- — Eligibility
- Accessed
- 23 Aug 2026
- Confidence
- high
Investment limitMinimum 1 gram; annual maximum 4 kg for an individual/
The official feature and sections publish minimum and annual category limits.
- Source
- Sovereign Gold Bonds
- Page / section
- Features / — Investment limit
- Accessed
- 23 Aug 2026
- Confidence
- high
Interest rate2.5% p.a., paid half-yearly; redemption value is linked to the prevailing gold price.View source
The official page publishes the 2.5% half-yearly coupon and gold-price linkage.
- Source
- Sovereign Gold Bonds
- Page / section
- Features — Fixed interest rate
- Accessed
- 23 Aug 2026
- Confidence
- high
TenureEight-year lock-in/
The official feature and sections publish the eight-year term and five-year exit window.
- Source
- Sovereign Gold Bonds
- Page / section
- Features / — Exit option
- Accessed
- 23 Aug 2026
- Confidence
- high
Exit / liquidityEarly redemption is available only in the RBI redemption window after five years; demat bonds may trade on stock exchanges and SGBs may be pledged as loan collateral.View source
The official distinguishes the five-year window from demat trading and collateral use.
- Source
- Sovereign Gold Bonds
- Page / section
- — Redemption / Trading / Collateral
- Accessed
- 23 Aug 2026
- Confidence
- high
Subscription / redemptionPayment by cash up to ₹20,000, demand draft, cheque, internet banking or bob World; redemption proceeds credit the operative savings account. Nominees and joint holders are supported; online applicants received a ₹50/
The official page publishes payment channels, cash cap, redemption account and historical online discount.
- Source
- Sovereign Gold Bonds
- Page / section
- Features / 2023–24 series /
- Accessed
- 23 Aug 2026
- Confidence
- high
Senior-citizen rateNot applicable — the reviewed scheme page does not publish a separate senior-citizen rate or age-based rate uplift for this product.View source
The reviewed official scheme pages describe the applicable government or product rate but do not provide a separate senior-citizen rate column.
- Source
- Bank of Baroda government deposit scheme catalogue and linked scheme pages
- Page / section
- Rate / eligibility sections
- Accessed
- 29 Aug 2026
- Confidence
- high
Eligibility
- Resident individuals, , trusts, charitable institutions and universities
- joint holding allowed. A minor cannot invest directly, but an individual may invest on behalf of a minor.
Passing a listed condition does not mean the bank will approve an application.
Related official documents
Bank of Baroda government schemes and deposit product pagesofficial-product-pages · current · accessed 29 Aug 2026
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