₹10,000 G-Sec Access: Are You Missing Safe Returns?

RBI is planning to let regular investors buy government bonds directly through their demat accounts, starting at just ₹10,000. This means safer, higher-return savings options are coming to everyday Indians, not just banks and big institutions.

Here's what happened: RBI is planning a new route for retail investors to buy government securities (G-Secs) directly through their existing demat accounts.. The minimum investment amount will be ₹10,000, making it accessible to salaried individuals and small investors for the first time.. Currently, retail G-Sec access exists via RBI's Retail Direct scheme, but demat integration makes it far simpler to buy, hold, and sell..

What you should do: Open or verify your demat account is active and KYC-compliant — you'll need it ready when this route launches.. Compare current G-Sec yields (typically 7–7.5% for 10-year bonds) against your FD rates to see if switching part of your savings makes sense.. Check RBI Retail Direct (rbiretaildirect.org.in) now to understand how G-Secs work before the new demat route goes live..

G-Sec interest is taxable, but there's zero default risk — unlike corporate FDs. For anyone in the 20–30% tax bracket, Sovereign Gold Bonds or tax-free bonds may still offer better post-tax returns.