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 7.25%. It pays a coupon of 7.02% and matures on 27 May 2027, a remaining tenure of about 10 mo. It is rated SOV, a sovereign instrument carrying the credit of the Government of India. GripInvest lists this bond with a minimum investment of ₹101.
Its 7.25% yield is on the conservative side, placing it 1st of the 4 G-Sec bonds on RightBonds - firmly in the top tier. That is 1.35 percentage points above the G-Sec median of 5.90% - a clear yield premium over the typical peer. A comparable SBI fixed deposit yields about 6.15%, so this bond adds roughly 1.10 points for taking on credit risk. Its short 10 mo horizon locks the rate for only a few years, limiting reinvestment risk. 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 (IN0020070069) at 5.9%, GOI Loan (IN0020240167) at 5.9% and GOI Loan (IN0020210186) at 5.15%.