If you have a Zerodha or Groww account but only use it for stocks, RBI is about to give you something new — government bonds, right there alongside your shares.
These are loans you give to the Indian government, and they pay you back with interest. The minimum entry is just ₹10,000, and the risk is essentially zero — the government doesn't default on its own bonds.
Returns are usually around 6.5–7%, which can beat many bank FDs right now without any lock-in penalty.
What this means for you
- Your demat account becomes a one-stop shop — stocks for growth, government bonds for safety, all in one place.
- If you have ₹10,000–₹50,000 sitting idle in your savings account earning 3%, this could earn you nearly double that.
- Unlike FDs, you can sell government bonds before their fixed end date if you need the money back.
What you can do
- Nothing right now — wait for RBI to officially launch this. But check if your demat account is active and your ID is verified (KYC-complete) so you're ready to go.
- Start thinking about money you want to keep safe but earning more than a savings account — this could be exactly the right home for it.
You don't need to do anything today — but knowing this is coming means you'll be first in line when it does.
Grow with clarity 🌱