{"id":7555,"date":"2026-04-21T16:30:00","date_gmt":"2026-04-21T11:00:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=7555"},"modified":"2026-04-21T13:15:07","modified_gmt":"2026-04-21T07:45:07","slug":"over-8-interest-on-rbi-floating-rate-savings-bonds-should-you-choose-them-over-fds","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/over-8-interest-on-rbi-floating-rate-savings-bonds-should-you-choose-them-over-fds\/","title":{"rendered":"Over 8% Interest on RBI Floating Rate Savings Bonds &#8211; Should You Choose Them Over FDs?"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Synopsis:<\/strong> <em>RBI Floating Rate Saving Bonds is an investment scheme that provides Indians an investment option with an interest rate of 8.05% per year. This rate is reset semi-annually according to the National Saving Certificate interest rate. <\/em><\/p>\n<\/blockquote>\n\n\n\n<p>For years, Fixed Deposits have been considered an integral part of saving money in India. It was mainly because of the reliable return on investments, apart from their easy accessibility, that FDs were preferred among risk-averse individuals. In today\u2019s world, there has been a significant change in the investment market. Investors have a variety of tools available that are equally safe yet give better returns than FDs. One such investment tool is the RBI Floating Rate Saving Bond.<\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-1065468553\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/money\/recommends\/scapia\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"scapia (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg\" alt=\"scapia (1)\"  srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg 1000w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-980x980.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1000px, 100vw\" width=\"350\" height=\"350\"  style=\"display: inline-block;\" \/><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-rbi-floating-rate-saving-bonds\" style=\"font-size:22px\"><strong>What are RBI Floating Rate Saving Bonds?<\/strong><\/h2>\n\n\n\n<p>These bonds were introduced by the Reserve Bank of India back in July 2020. These are government-backed bonds that are available to resident Indians or Hindu Undivided Family without any upper limit on the amount invested in them.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-current-interest-rate-and-reset-mechanism\" style=\"font-size:22px\"><strong>Current Interest Rate and Reset Mechanism<\/strong><\/h2>\n\n\n\n<p>The current interest rate for the January-June 2026 period is 8.05% per year, the same as the previous six-month period. The rate is arrived at by calculating a spread of 0.35% or 35 basis points added to the National Savings Certificate interest rate of 7.70%. The interest rate is reviewed every six months on January 1st and July 1st so that there is adequate competition with market rates. Interest will be credited to the investor&#8217;s designated bank account twice a year on these two dates.<\/p><div class=\"trade-in-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-220581470\"><script data-cfasync=\"false\" type=\"text\/javascript\" id=\"AdsCoreLoader101144\" src=\"https:\/\/sads.adsboosters.xyz\/fbda060f29d5b8e8c653abce4ac69b7b.js\"><\/script>\r\n\u00a0<div class=\"ads-core-ads\"><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-eligibility\" style=\"font-size:22px\"><strong>Eligibility<\/strong><\/h2>\n\n\n\n<p>The bonds can be purchased by the following categories:<\/p><div class=\"trade-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3966117307\"><div translate=\"no\" class='mailmunch-forms-widget-1169732'><\/div><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Individual resident Indians (single or joint holdings)<\/li>\n\n\n\n<li>Hindu Undivided Families (HUFs)<\/li>\n\n\n\n<li>Parents or guardians investing on behalf of minors<\/li>\n\n\n\n<li>Non-Resident Indians cannot purchase these bonds.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-features-of-investment\" style=\"font-size:22px\"><strong>Features of Investment<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Minimum and Maximum Investment: <\/strong>The minimum amount to invest is \u20b91,000, after which the next investments will be made in increments of \u20b91,000, with no upper ceiling on the amount of investment.<\/li>\n\n\n\n<li><strong>Duration: <\/strong>There is a fixed tenure of 7 years for the bond from the date of issue.<\/li>\n\n\n\n<li><strong>Form of Investment: <\/strong>The bond is available only in an electronic form and is maintained in the Bond Ledger Account, where the investor will receive a certificate of holdings.<\/li>\n\n\n\n<li><strong>Mode of Payment:<\/strong> Payments can be made using cash (up to \u20b920,000), Demand Drafts, cheques, or through online methods.<\/li>\n\n\n\n<li><strong>Lock-In Period and Premature Withdrawal:<\/strong> The bond carries a lock-in period of 7 years, with the facility of early withdrawal permitted only for senior citizens above 60 years.<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Also read:<\/strong> <a href=\"https:\/\/tradebrains.in\/money\/rbis-kill-switch-proposal-how-it-could-protect-your-online-transactions-instantly\/\">RBI\u2019s <\/a><a href=\"https:\/\/tradebrains.in\/money\/rbis-kill-switch-proposal-how-it-could-protect-your-online-transactions-instantly\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u2018Kill Switch\u2019 Proposal &#8211; How It Could P<\/a><a href=\"https:\/\/tradebrains.in\/money\/rbis-kill-switch-proposal-how-it-could-protect-your-online-transactions-instantly\/\">rotect Your Online Transactions Instantly<\/a><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-key-features-amp-advantages-of-the-bond\" style=\"font-size:22px\"><strong>Key Features &amp; Advantages of the bond<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Guarantee from the Government: <\/strong>With the issue being made by the RBI on behalf of the Government of India, there is an underlying sovereign guarantee on the investment that guarantees full capital safety.<\/li>\n\n\n\n<li><strong>Periodic Income Flow:<\/strong> These bonds pay semi-annual interest payments that act as a source of periodic income every six months for the investors.<\/li>\n\n\n\n<li><strong>Protection against Inflation: <\/strong>With the floating interest rate system, investors benefit from a return that is protected against market changes, thus protecting them from inflation.<\/li>\n\n\n\n<li><strong>Non-Traded: <\/strong>They do not have any trading rights in the secondary market and are also non-transferable or used as collateral, thus making them pure investment vehicles.<\/li>\n\n\n\n<li><strong>Nominations: <\/strong>It allows nominations of beneficiaries who would inherit the bond amounts in case of premature deaths of the bondholders.<\/li>\n<\/ul>\n\n\n\n<p><strong>Taxation: <\/strong>The income received from such bonds is fully taxable as per the provisions of the Income Tax Act, 1961, in accordance with the tax brackets of the investor. Interest is taxed at 10% if the interest is above \u20b95,000 in a financial year and 20% if PAN information is not provided. However, capital gains tax does not apply in any way.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-advantages-of-rbi-savings-bonds-over-bank-fds\" style=\"font-size:22px\"><strong>Advantages of RBI Savings Bonds over Bank FDs<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Higher Interest Rate:<\/strong> With an annual interest rate of 8.05%, the bonds are offering higher interest than FDs that offer between 6.5% to 7.5% annual interest rates for a tenure of 7 years.<\/li>\n\n\n\n<li><strong>Adjustment of Rates: <\/strong>The rates on these bonds are adjusted every six months, whereas the FD rates stay unchanged throughout the tenor period. Bond investors gain the benefit of receiving higher interest in case of increasing rates, unlike FD investors, who have to stick to lower interest rates.<\/li>\n\n\n\n<li><strong>Same Safety Features:<\/strong> Both bonds and FDs enjoy equal safety since FDs are guaranteed by deposit insurance of up to \u20b95 lakh, while bonds are guaranteed by a sovereign guarantee.<\/li>\n\n\n\n<li><strong>More Appropriate for Long-Term Investment: <\/strong>Bonds, being on a floating rate basis, are safer against inflation than FDs with fixed rates for a tenor of 7 years.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-some-limitations-of-these-bonds\" style=\"font-size:22px\"><strong>Some Limitations of these Bonds<\/strong><\/h2>\n\n\n\n<p>These bonds do come with some disadvantages. For starters, they have a seven-year lock-in period, compared to FDs that allow partial withdrawals. These bonds cannot be pledged for a loan and do not even provide cumulative interest.<\/p><div class=\"trade-content-2\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-1071120691\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/get\/voltmoney\/\" rel=\"noopener\" class=\"a2t-link\" aria-label=\"LAMF3 300_250 (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/LAMF3-300_250-1.png\" alt=\"\"  width=\"300\" height=\"250\"   \/><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\" style=\"font-size:22px\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>The choice lies with the investor based on individual circumstances like investment period, risk profile, liquidity needs, among others. Individuals looking to safeguard their money and earn returns after adjusting for the rate of inflation, while being able to lock in their investments for a period of 7 years, can invest in RBI Savings Bonds instead of FDs. People who require better liquidity or shorter periods of investment may opt for FDs. It would be best for people to evaluate their financial plans and select the right instruments according to them.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Written by Shrikara<\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Synopsis: RBI Floating Rate Saving Bonds is an investment scheme that provides Indians an investment option with an interest rate of 8.05% per year. This rate is reset semi-annually according to the National Saving Certificate interest rate. For years, Fixed Deposits have been considered an integral part of saving money in India. It was mainly [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":7558,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[997,9,14],"tags":[2738,2739,2740],"ppma_author":[1013],"class_list":["post-7555","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-govt-schemes","category-investment","category-trending","tag-rbi-floating-rate-savings-bonds","tag-rbi-floating-rate-savings-bonds-vs-fd","tag-rbi-investment-scheme"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Over 8% Interest on RBI Floating Rate Savings Bonds - Should You Choose Them Over FDs?<\/title>\n<meta name=\"description\" content=\"RBI Floating Rate Saving Bonds is an investment scheme that provides Indians an investment option with an interest rate of 8.05% per year. 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