G-Secs via Demat: Your ₹10,000 Govt Bond Guide

RBI wants to let ordinary Indians buy government bonds directly through their demat accounts, starting at just ₹10,000. This could give you a safe, fixed-return option beyond FDs and PPF — backed by the Government of India itself.

Here's what happened: RBI is planning to allow retail investors to buy government securities (G-Secs) directly via their existing demat accounts.. The minimum investment amount under this route is expected to be ₹10,000, making it accessible to salaried and middle-class investors.. This move builds on RBI's earlier Retail Direct scheme, but demat integration makes buying and holding G-Secs far more convenient..

What you should do: Check if your existing demat account (Zerodha, Groww, Angel One, etc.) already supports G-Sec purchases under RBI Retail Direct.. Compare current G-Sec yields (typically 6.8–7.2% p.a.) against your bank FD rates to decide if sovereign bonds suit your portfolio.. Earmark a portion of your low-risk savings — emergency fund surplus or FD maturity proceeds — to diversify into G-Secs once the route launches..

G-Secs carry zero default risk since they are backed by the Government of India — safer than even the best-rated corporate FD or bank deposit.