G-Secs in Your Demat: Invest ₹10,000 in Safety?

RBI is planning to let regular investors buy government securities through their existing demat accounts with as little as ₹10,000. This means you can lend money directly to the government and earn steady, safe returns — no middleman needed.

Here's what happened: RBI is planning a new route for retail investors to buy government securities (G-Secs) directly through their demat accounts.. The minimum investment threshold under this proposed route is ₹10,000, making it accessible to middle-class savers.. Currently, retail access to G-Secs exists via RBI Retail Direct, but linking it to demat accounts could simplify buying and selling significantly..

What you should do: Open or update your demat account now so you're ready to invest the moment this RBI route goes live.. Compare current G-Sec yields (typically 6.9–7.2% for 10-year bonds) against your FD rate to see if switching a portion makes sense.. Check RBI's Retail Direct portal (rbiretaildirect.org.in) to understand how government bond investing works before this new route launches..

G-Secs carry zero default risk since the Government of India backs them — unlike bank FDs, which are insured only up to ₹5 lakh per bank.