What is Sovereign Gold Bond – Sovereign Gold Bond Scheme in Hindi

if you Invest in gold If you are thinking of doing it, then this is a golden opportunity for you, because this central government Gold Bond Scheme Under you as Gold Bond at cheap prices from the market Buy gold You will get and apart from this you will also get 2.5% interest. this one Under which, you can buy and sell gold bond online. यह ठीक उसी प्रकार से है, जैसे आप Demat मे Shares खरीदते है पर वह Digital Form मे होते है, आपके पास उसके Physical Papers नहीं होते है|

What is Sovereign Gold Bond Scheme

Sovereign Gold Bond is a digital gold bond scheme. यह गोल्ड बॉण्ड रिजर्व बैंक द्वारा जारी किया जाता है, जिसमे आप मार्केट से कम दामों पर गोल्ड Buy कर सकते है| यह एक प्रकार से डिजिटल सोना है, इसमे आपको Gold की Delivery नहीं मिलती है, इसलिए आपको इसकी Security की चिंता करने की आवश्यकता भी नहीं है|

Timing 8 year
Minimum Qty 1 gram
Maximum Qty 4 kg/20kg
Tradable Yes
Exit option In 5th, 6th and 7th year

Return on Sovereign Gold Bond

By investing in Sovereign Gold Bond Scheme, you will get two types of return >>

  1. Annual interest
  2. Gold price increases

Sovereign Gold Bond Scheme 2022-23

Sovereign Gold Bond in 2022-23 This is the first series of Scheme, which 20 to 24 June Till it is open, you can issue for gold bonds under this scheme in these 5 days. In 2022, the next date of this scheme is 22 to 26 August.

How to Buy Sovereign Gold Bond

सॉवरेन गोल्ड बॉन्ड स्कीम के अनर्तगत गोल्ड बॉण्ड खरीदने के लिए आप Online और Offline दोनों तरीकों से आवेदन कर सकते है| You can buy these bonds from Post Office and Stock Holding Corporation of India Limited (SHCIL). और यदि आप इन Bonds को Online खरीदना करना चाहते है तो Indian Stock Exchanges (NSE and BSE) के स्टॉक ब्रोकर के द्वारा भी खरीद सकते है|


The easiest way is that you can buy Gold Bonds from your Demat Account. If you do not have a demat account, then you can open a demat account immediately by clicking on this link – Open the demat account now

Zerodha’s account open After doing, you can follow these steps to buy gold bond >>

  • Log in Zerodha’s Coin App
  • Go to Option of Sovereign Gold Bond
  • Enter Qty as much as Qty’s bonds and click on Place Order

Within 10-15 days of the order being confirmed, you will be allotment of bonds, which you will be able to see inside the Holding Section. After allotment of bonds, you can also buy and sell them like shares.

Price of Gold Bond and Discount

FY 2022-23 की पहली सीरीज मे Sovereign Gold Bond Scheme के तहत गोल्ड बॉण्ड का निर्गमन मूल्य 5,091 रुपये प्रति ग्राम गोल्ड है| If you apply online for this gold bond scheme and pay for it with digital mode, then you will also get a discount of Rs 50 per gram for this, in such a situation you need to pay Rs 5,041 per gram of gold bonds. |

यदि हम इन गोल्ड बॉण्ड पर मिलने वाले Interest की बात करे, तो आपको इस योजना मे किए गए Initial Investment पर 2.5% प्रति वर्ष ब्याज मिलेगा| This interest will be credited to your bank account every 6 months.

Read , Earn 9% High Interest from Saving Account

इन Bonds को Investment के 5 सालों के बाद Redeem किया जा सकता है तथा Redemption के समय उस उस Rate को लिया जाएगा जो रिडेम्शन के 3 दिन पहले गोल्ड की Average Closing Price होगी| This price is published by The India Bullion and Jewelers Association Limited (IBJA). Redemption Amount को आपके उस बैंक अकाउंट मे Credit कर दिया जाएगा जो आकॉउन्ट आपके द्वारा इन Bonds को खरीदते समय Furnished किया गया था|

Eligibility to Invest in SGB

  • An Individual, HUF, Charitable Institution, University and Trust are eligible for this scheme.
  • The applicant must be resident in India.
  • The applicant must have a PAN card.

Is Sovereign Gold Bond Scheme Tax Free

यदि आप सॉवरेन गोल्ड बॉन्ड योजना के अंतर्गत Bonds मे Invest करते है, इस पर मिलने वाला रिटर्न Capital Gain मे Tax Free हो जाएगा, परंतु इसके लिए आपको इन Bonds को Minimum 5 साल तक होल्ड करना होगा, यदि आप 5 साल से पहले अपनी होल्डिंग If you sell, then the amount of return will become taxable.

The interest on the investment made in SGB is not free, you will have to pay tax on the interest received on it.

Read: What are Mutual Funds

FAQs Related to Sovereign Gold Bond

what Can Loan be taken with the help of Sovereign Gold Bond?

Yes, you can use Sovereign Gold Bonds to get a loan as Security, for this the minimum loan amount ranges from 20 to 25 thousand according to all banks, and Maximum Loan Amount is from 25 to 50 lakhs. If we talk about the loan amount, then you can get up to 70% of the investment amount made in your SGB.

Take mother for exemple SGB, you have invested 6 lakh rupees and if a bank is giving a loan of up to 40% as a security of these gold bonds, then you can get a loan of up to 24 lakhs.

what Is TDS Applicable on Sovereign Gold Bond?

No, the provision of TDS does not apply to Sovereign Gold Bonds. Bond Holder is required to follow other tax laws.

Sovereign Gold Bond can be relative or Friend Gift?

Yes, Sovereign Gold Bond can be given a gift to a railtive or friend, but it is necessary to be an Eligible Person.

what Is Joint Holding Allowed for Sovereign Gold Bond?

Yes, you can also apply for this scheme as a joint holder.

What a Minor Sovereign Gold Bond can apply for Scheme?

Yes, a minor is also eligible for SGB scheme. His Guardian will have to apply in the name of a minor.

Can SGB be sold before 5 years?

The SGB can be redeem only after 5 years, but if you want to sell it then it is available for trading. You can buy it on Indian Stock Broker like Zerodha or Upstox on platforms.

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