It has matured, sold out, or been delisted from the platforms we track, last seen on 1 Jul 2026. The details below are kept as a record of the issue. Compare bonds available now →
GOI Loan
How this yield compares
About this bond
GOI Loan is a government security (G-Sec) issued by the Reserve Bank of India on behalf of the Government of India, currently offering a yield to maturity (YTM) of 6.85%. It is a zero-coupon bond - sold at a discount to face value with no periodic interest payout, redeeming on 19 Sept 2029 (about 3.1 yr away). It is rated SOV, a sovereign instrument carrying the credit of the Government of India. GripInvest lists this bond with a minimum investment of ₹81.
It yields only about 0.30 points over a comparable SBI fixed deposit (6.55%), so weigh the extra credit risk carefully. Its medium 3.1 yr horizon balances rate lock-in against flexibility. Paired with its highest safety (SOV) rating, that leans toward the safety-first end. Compare it against similar bonds on RightBonds before investing.
Investors comparing this bond often also look at GOI Loan (IN0020240167) at 5.85%, GOI Loan (IN0020070069) at 5.8% and G-Sec (IN0020230036) at 6.5%.
Bond details
What you keep after tax
Interest on a listed corporate bond is added to your income and taxed at your slab, so the 6.85% headline is a pre-tax number. Here is the same bond seen from each slab, on ₹1,00,000 held for the remaining 3.1 yr.
| Your tax slab | Post-tax yield | ₹1,00,000 becomes |
|---|---|---|
| No tax (income under the exemption limit) | 6.85% | ₹1,23,093 |
| 5% slab | 6.51% | ₹1,21,860 |
| 20% slab | 5.48% | ₹1,18,212 |
| 30% slab | 4.79% | ₹1,15,821 |
Slab rates only - surcharge and cess are not included, and the figures assume you hold to maturity. Sold on the exchange after 12 months instead, the gain is taxed as long-term capital gains at 12.5%. Not tax advice.
Against a fixed deposit, in rupees
Same ₹1,00,000, same 3.1 years, one in this bond and one in a tenure-matched SBI fixed deposit at 6.55%.
Bond figure compounds the yield annually; the FD compounds quarterly, as a cumulative bank FD does. Both are pre-tax and assume the bond is held to maturity and the issuer pays in full - the SOV credit risk is the reason for the gap.