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RBI Retail Direct Scheme

RBI Retail Direct Gilt Scheme

RBI Retail Direct Scheme is a one-stop solution to facilitates investment in Government Securities by individual investors. Under this scheme individual retail investor can open a Gilt Securities Account – “Retail Direct Gilt (RDG)” account with RBI. Using this account, retail investor can buy and sell government securities through the online portal:

Click Here to open account under the RBI Retail Direct Scheme.

The RBI Retail Direct Platform that enables individual investors to easily buy and sell government securities. It allows direct, commission-free access to primary and secondary markets without the need for brokers.

  • Key Features and Offerings:
    • Instruments Available: Treasury Bills (T-Bills), dated Government of India (G-Secs), State Development Loans (SDLs), Sovereign Gold Bonds (SGBs), and Floating Rate Savings Bonds.
    • Retail Direct Gilt (RDG) Account: Investors can open and maintain a gilt account directly with the RBI free of cost.
    • Primary Market: Allows non-competitive bidding in primary auctions of government securities.
    • Secondary Market: Provides access to the NDS-OM (Negotiated Dealing System - Order Matching) platform to buy and sell existing securities.
    • Payments: Transactions can be funded easily via internet banking or UPI.
  • Available Investment Instruments:
    • Treasury Bills (T-Bills): Short-term debt tools with maturities of 91, 182, or 364 days.
    • Dated G-Secs: Long-term central government bonds with fixed or floating interest rates.
    • State Development Loans (SDLs): Bonds issued by individual state governments to fund development projects.
    • Sovereign Gold Bonds (SGBs): Government securities denominated in grams of gold.
    • Floating Rate Savings Bonds (FRSBs): Taxable bonds featuring interest rates linked directly to National Savings Certificates (NSC) plus a 0.35% spread.
  • RBI Retail Direct Support: