Sovereign Gold Bond Scheme 2025 – Series 4 is now open for subscription. The Reserve Bank of India (RBI) issues these gold bonds on behalf of the Indian government. If you want to invest in gold safely through bonds, now you have a new chance. Starting from 12th February 2025, you can subscribe online or offline until 16th February 2025.
How to Subscribe to Sovereign Gold Bond Scheme 2025 – Series 4
Subscribing to this scheme is easy. You can apply through stock exchanges, scheduled commercial banks, designated post offices, or online platforms. If you apply and pay online, RBI offers a discount of ₹50 per gram, so the price is ₹6,213 per gram instead of ₹6,263.
These bonds come in units of one gram of gold. The price is linked to the 24 karat (999 purity) gold rate declared by India Bullion and Jewellers Association (IBJA). When gold prices rise, you can also sell these bonds on the stock market since they are liquid assets.
Main Details of Sovereign Gold Bond Scheme 2025 – Series 4
| Scheme Name | Sovereign Gold Bond Scheme 2025 – Series 4 |
| Issued by | Reserve Bank of India (RBI) |
| Subscription Start Date | 12th February 2025 |
| Subscription End Date | 16th February 2025 |
| Subscription Mode | Online and offline |
Important Dates to Note
| Subscription Period | 12th to 16th February 2025 |
| Issue Date | 21st February 2025 |
Price and Discount Information
The price per gram for the bonds is ₹6,263 without any discount. If you pay online, you get a ₹50 discount and pay ₹6,213 per gram. The price is based on the average gold rate for three working days before subscription, as published by IBJA.
Understanding Tax Benefits on Sovereign Gold Bonds
The bond tenure is 8 years with an option to redeem after 5 years. Investors earn a fixed interest of 2.5% per year, paid every six months. This interest is fully taxable.
The best part is that when you redeem your bonds after maturity or early redemption, any capital gains you make are completely tax-free.
This tax benefit applies only to individuals who bought directly during the subscription or from the secondary market. However, if you sell your bonds before maturity, the sale amount is taxed based on how long you held the bonds.
You can also choose to pay tax on indexed capital gains or a flat 10% tax on your earnings. You may be eligible to save tax under Section 54F if you invest capital gains in a residential property within the allowed time.
FAQs on Sovereign Gold Bond Scheme 2025 – Series 4
What is the interest rate on Sovereign Gold Bonds?
The fixed annual interest rate is 2.5%, paid twice a year on the invested amount.
Is there any discount for online investors?
Yes, if you apply and pay online, you get ₹50 off per gram on the bond price.
What is the tenure of Sovereign Gold Bonds?
The bonds last for 8 years with the option to redeem after 5 years on interest payment dates.
Can I convert my bonds to demat form?
Yes, you can hold these bonds physically or convert them to demat format as you prefer.