• Issued by Government of India — ultimate sovereign security
• Regular semi-annual interest payouts (fixed coupon)
• No default risk, ideal for capital protection
• Can be traded on RBI Retail Direct platform or exchanges
• Excellent for diversifying & reducing portfolio risk
• Interest earned is 100% tax-free under section 10(15)
• Long tenures (10-20 years) lock in stable tax-free returns
• Ideal for high-net-worth & senior investors to boost post-tax income
• Listed on exchanges — can sell before maturity if needed
• Rated AAA by agencies — ensures high safety
• Interest rates reset every 6 months linked to NSC + spread
• No TDS deducted, interest paid bi-annually directly to account
• 7-year tenure, ideal for medium-term safety & inflation hedge
• Issued by RBI, so zero credit risk
• Flexible for conservative investors wanting floating interest
