What are Floating Rate Saving Bonds (FRSB) 2020 issued by RBI
RBI Floating Rate Savings Bonds 2020 are fixed-income instruments issued by the Government of India. They offer pre-determined interest rates that are reset …
These bonds provide a stable and attractive return for investors seeking a risk-free investment avenue.
Key Features of FRSBs:
- Floating Interest Rate: The interest rate on FRSBs is not fixed but fluctuates based on the prevailing National Savings Certificate (NSC) rate, with a 35 basis point (bps) spread. This means that the interest rate adjusts periodically, ensuring your returns remain competitive with market trends.
- Taxable: The interest earned on FRSBs is taxable under the Income Tax Act, 1961.
- Long-Term Investment: FRSBs have a tenure of 7 years, making them suitable for long-term investment goals.
- Minimum Investment: The minimum investment amount is ₹1,000, with no upper limit.
- No Premature Withdrawal (Generally): While premature withdrawal is generally not allowed, certain exemptions may apply for senior citizens.
- Safety and Security: Backed by the Government of India, FRSBs offer a high degree of safety and security for investors.
How FRSBs Work:
- Interest Rate Mechanism: The interest rate on FRSBs is reset twice a year, typically on January 1st and July 1st. The new rate is determined by adding a 35 bps spread to the prevailing NSC rate.
- Interest Payments: Interest is paid semi-annually, usually on January 1st and July 1st.
- Maturity: At the end of the 7-year tenure, the principal amount invested is repaid to the bondholder.
Who Can Invest in FRSBs?
- Individuals (including joint holdings)
- Hindu Undivided Families (HUFs)
- Minors (invested on their behalf by parents/guardians)
Benefits of Investing in FRSBs:
- Competitive Returns: The floating interest rate mechanism ensures that your returns remain competitive with market interest rates.
- Safety and Security: Backed by the Government of India, FRSBs offer a high degree of safety and security.
- Long-Term Investment: Suitable for long-term financial goals.
- Simple and Easy to Invest: The investment process is straightforward and can be done through various channels.
Conclusion:
RBI Floating Rate Savings Bonds offer a secure and attractive investment option for individuals and HUFs seeking a stable and long-term investment avenue. The floating interest rate mechanism ensures that your returns remain competitive, while the government backing provides a high level of safety and security.
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