Unlock Financial Tools, Investment Insights, And Expert Guidance – All In One Convenient App !
Visit Our ABCD Page
PLAY STORE
APPSTORE
1800 270 7000
Download
Health Insurance
Housing Finance
Life Insurance
Mutual Funds
Personal Insurance
SME Finance
Stock & Securities
Home LoanFind customised home loan solutions for your unique needs
Balance TransferFind a better interest rate for your existing home loan
Top up Home LoanGet a loan on your existing home loan to meet your needs
Loan Against PropertyTurn your assets into a financial ally
Personal LoanMeet all your dreams and needs with a collateral-free Personal Loan
Flexi LoanMake loan repayment flexible and hassle-free with Flexi Loans
Instant Personal LoanGet quick funds with Aditya Birla Capital Instant Personal Loan
Long Term Personal LoanEnjoy affordable repayments and a flexible tenure with Aditya Birla Capital
Personal Loan EligibilityCheck your Aditya Birla Capital Personal Loan eligibility
Personal Loan Interest RatesEnjoy low personal loan interest rates for affordable repayments
Are you eligible for a Personal Loan? Find out now!
Calculate Now
Secured Business LoanBoost your business with competitive rates & flexible terms
Line Of CreditGet anytime funds, quick approval, & ongoing support with Line of Credit
Working Capital LoanStrengthen your business cash flow with quick access to funds & flexible repayment options
Supply chain financing Solution - Invoice DiscountingImprove your cash flow & gain quick access to funds by discounting your invoices
Unsecured Business LoanFuel your business with fast approval & flexible terms
Construction FinanceOur solutions with Flexible funding, project requirements to drive construction forward.
Commercial Property PurchaseTurn your property vision into reality with flexible terms and competitive interest rates.
Lease Rental DiscountingSupporting real estate businesses in project completion
Mauris Porta Arcu Id Tortor Pulvinar Cursus. Mattis, Diam Id.
CALCULATE NOWLoan Against SharesLeverage your investments with Loan Against Shares, while retaining ownership of your assets
Loan Against Mutual FundsUnlock the value of your investments while keeping your assets intact
Loan Against Life insurance PolicyGet loans for all your business needs at attractive rates
Promoter FundingEmpower your business growth with financial solutions to support expansion & ownership
Project FinanceTurn your ideas into reality with flexible funding to support your vision from start to finish
Structured FinanceUnlock customized financial solutions designed to meet the unique needs of complex business projects
Working Capital Demand LoanKeep your business running smoothly with quick access to funds for day-to-day operations
Term LoanAchieve your business goals with flexible repayment options & competitive rates for long-term growth
Debt FundsDiversify your portfolio and reduce risk with Debt Funds
Equity FundsInvest smartly in Equity Funds to aim for higher returns
Hybrid FundsDiversify your portfolio and reduce your risk with a mix of equity and debt
Retirement FundsGoal-oriented fund with a lock-in period to create a corpus for retirement
Children’s FundsSecure your child’s financial future with solutions-oriented children’s funds
Exchange Traded FundsUnlock a smart, hassle-free way to invest in various assets
Fund Of FundsChoose the smart way to diversify risks and grow investments
Index FundsFollow the benchmark of smart investors to grow your wealth
All FundsExplore, Compare, and Invest in Top Mutual Funds
Calculate wealth creation through lumpsum investment in Mutual Funds
Calculate Now
Equity TradingInvest or trade in equity for attractive returns and long-term capital growth
Margin Trading FacilityGet up to 5X leverage on leading stocks & increase your trading power
BondsGive your portfolio stability with attractive returns
Start trading in equities and other securities. Grow your wealth with our Demat account.
Attractive returns
Term InsuranceBring security and peace to life’s unpredictability
Retirement PlansGet a guaranteed regular pension plus lump sum on plan maturity
Savings PlansGet a guaranteed regular pension plus lump sum on plan maturity
ULIP PlansGet the benefits of insurance & wealth creation in one convenient plan
Find out how much life insurance you need with our Human Life calculator
Calculate Now
Eye InsuranceProtect your vision with comprehensive eye insurance.
Dental InsuranceProtect your smile with comprehensive dental insurance and coverage plans tailored for you.
Hospicash InsuranceGet financial support with our hospital cash insurance for unexpected medical expenses.
Mental Health & Nutrition InsuranceGet the best mental health insurance online with ABCD Aditya Birla Capital today!
Personal Accident InsuranceSecure your future with our affordable personal accident insurance plans.
Tele OPD ConsultationsAccess convenient teleconsultation and video doctor consultations for your health needs.
Aditya Birla Capital LimitedAditya Birla Capital Limited (“ABCL”) is a listed systemically important non-deposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 66,000 employees, the businesses of ABCL have a nationwide reach with over 1,742 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,742
No. of Employees
66,000
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 6 Lakh Cr
Consolidated Lending Book
INR 1.90 Lakh CrCorporate Governance Policies
- Policy for appointment of Statutory Auditors
- ABCL NRC Policy
- Corporate Social Responsibility
- Fair Practices Code
- Internal Guidelines on Corporate Governance
- Familiarization Programme for Independent Directors
- Disclaimers
- Ombudsman
- Privacy Policy
- Trademark Policy
- Vigil Mechanism / Whistle Blower Policy
- Regulatory Disclosure
Financial and Debt-Related Policies
Business and Partnership Policies
- Outsourcing FAQ’s
- Press Releases
- Our Digital Lending Platform Partners
- ABCL List of active CLA Partners
- Our Digital Referral Partners
- ABCL Collection and Recovery Agency List
- ABCL Terminated Collection and Recovery Agency List
- Importance of Following Repayment Schedule
- Scheme of Amalgamation
- SEBI Disclosures
- Interest Rates & Service Charges
- Discontinued Service provider list
- Terms & Conditions
- Fraud Awareness
- Archival Policy
Life Insurance
Health Insurance
Mutual Fund
Home Finance
Personal Finance
Stocks & Securities
Credit TrackCheck your credit score and get tips on how to improve it
Health TrackHealthy living made easy with ABCD’s Digital Health Evaluation
Portfolio TrackBring your assets and liabilities under one platform
Spend TrackManage your money effectively with Spend Track.
Vehicle TrackCheck Vehicle & Car Insurance Status/Validity Online
Digital WillA digital will is a legally valid document created through a secure online platform
Read about MoneyMoney management made easy
Read about TaxUnderstanding direct and indirect taxes
Read about Retirement PlanKnow how to plan retirement well
Read about InsuranceInsurance and it's aspects for laymen
Read about InvestingInvestments and their jargon - simplified
Read about Loans and FinancingKnow all about loans and their management
Personal Loan EMI CalculatorEstimate your monthly loan repayments with Personal Loan EMI Calculator
Home Loan Eligibility CalculatorCalculate the expected EMI of your loan for easier repayments
BMI CalculatorIt measure your leanness or obesity basis your height and the weight.
Income Tax CalculatorCalculate the tax payable by you based on your income
SIP CalculatorEstimate the returns you can earn with your SIP investments
SWP CalculatorCalculate the Life Insurance cover you need to secure your family’s future
Experience ConseQuest- A game where your decisions drive your future.
Wisdom in Choices
What is a Sovereign Gold Bond?
Sovereign Gold Bonds (SGBs) are government-backed financial instruments issued by the Reserve Bank of India (RBI) on behalf of the Government of India. These bonds provide an alternative to physical gold investment, offering the benefits of price appreciation along with fixed interest income. SGBs are denominated in grams of gold and are issued periodically.
Why invest in Sovereign Gold Bonds
Government-backed Security
SGBs are issued by the RBI, ensuring credibility and eliminating the risks associated with physical gold.
Fixed Interest Income
Investors earn a fixed interest of 2.50% per annum, payable semi-annually.
Capital Appreciation
The value of SGBs increases with the rising market price of gold.
Liquidity Options
Can be traded on stock exchanges or redeemed early after five years.
No Storage Hassles
Unlike physical gold, SGBs are held digitally, eliminating the risks of theft or storage costs.
Tax Benefits
No capital gains tax if held until maturity (8 years).
Sovereign Gold Bond
SGBs offer an annual interest rate of 2.50%, which is paid semi-annually to investors. The interest earned is taxable under 'Income from Other Sources', but capital gains tax is exempt if the bond is held until maturity.
A Sovereign Gold Bond Calculator helps investors estimate returns based on gold price movements and accrued interest. Users can input investment amounts, duration, and expected gold prices to analyse potential returns and taxation benefits.
Understanding Bonds
How to Buy a Sovereign Gold Bond?
Investors can purchase SGBs through various channels:
Banks and Post Offices : Available at designated branches of banks and post offices.
Stock Exchanges : Tradable on NSE and BSE
Online Portals : Can be purchased via net banking from authorised commercial banks.
Mobile Apps: Some financial platforms offer SGBs via their apps for convenient investing.
Who Can Invest in Sovereign Gold Bonds?
SGBs are available for:
-
Resident individuals
-
Hindu Undivided Families (HUFs)
-
Trusts and Charitable Institutions
-
Universities and Other Entities
What are the Features of Sovereign Gold Bond?
Denomination : Issued in grams of gold (minimum 1 gram, maximum 4 kg per individual per year).
Tenure : 8-year maturity with an early exit option after 5 years.
Interest Rate : Fixed at 2.50% per annum, paid semi-annually.
Redemption Price : Based on the average closing price of gold in the last three days before redemption.
Tradability : Listed on stock exchanges for liquidity.
Why Sovereign Gold Bonds are the Best Gold Investment?
-
No Making Charges
Unlike jewelry, there are no additional costs involved.
-
Easier to Buy and Sell
SGBs are available online and can be traded like stocks.
-
High Liquidity
Tradable on exchanges and redeemable after five years.
-
Better Returns
Earns fixed interest along with price appreciation.
-
Tax Advantages
Exempt from capital gains tax at maturity.
Who are the Primary Issuers of Sovereign Gold Bonds?
SGBs are issued by the Reserve Bank of India (RBI) on behalf of the Government of India under the Gold Monetization Scheme. They are distributed through scheduled commercial banks, stock exchanges, designated post offices, and select financial institutions.
How Do Sovereign Gold Bonds Yield Returns for Investors?
-
Interest Earnings
Fixed 2.50% per annum paid semi-annually.
-
Capital Appreciation
Value rises with gold price appreciation in the market.
-
Tax-Free Redemption
No capital gains tax if held until maturity.
-
Trading Profits
Investors can sell SGBs on exchanges before maturity for potential gains.
Exchange Traded Funds
-
Cost-effective ETFs -
Enjoy professional fund management
Equity Funds
-
Various equity funds
-
Tax benefits on capital gains
FAQs on Bonds
Yes, SGBs are a great investment for those looking to invest in gold without the risks of physical storage. They offer fixed interest income along with potential capital appreciation, making them an attractive long-term asset.
At maturity, the investor receives the equivalent market value of gold based on the prevailing price. Any capital gains earned are exempt from tax, making it a lucrative long-term investment.
SGBs often provide better returns than fixed deposits (FDs) due to their fixed interest rate and potential price appreciation of gold. Additionally, capital gains tax exemption at maturity gives them a tax advantage over FDs.
SGBs are issued in tranches by the RBI at scheduled intervals. Investors can check with banks, post offices, or stock exchanges to find out the availability of the latest tranche.
Both are excellent investment options, but SGBs offer market-linked returns and fixed interest, whereas PPF provides a stable, government-backed fixed return. The choice depends on your financial goals and risk appetite.
No, SGBs are issued in tranches as per the RBI's schedule, not every month. Investors can buy them only during specific issue periods announced by the government.
SGBs can be sold on stock exchanges after a lock-in period of five years. However, selling before maturity may result in capital gains tax implications.
Non-Resident Indians (NRIs) and foreign investors are not allowed to purchase fresh SGBs, but NRIs can continue to hold previously acquired bonds until maturity.
You can buy SGBs through either banks or in Demat form. While both are secure, holding them in Demat form allows easier trading on exchanges and seamless portfolio management.
SGBs carry minimal risk, but the main concern is price volatility. If gold prices fall, investors might face capital losses. However, the fixed interest rate cushions some of the downside.
No, SGBs cannot be converted to physical gold. However, at maturity, investors receive the market value equivalent in INR.