Whalesbook
SGB Investors Ki Hui Paise Ki Barish!
Jo log Sovereign Gold Bond (SGB) 2020-21 Series-VIII mein invest kiye the, unke liye May 18, 2026 ka din bada khushkhabri wala hai. Ye bonds ab premature redemption ke liye khul gaye hain aur lagbhag 210% se bhi zyada ka capital gain de rahe hain. Matlab aapka paisa lagbhag teen guna ho gaya hai! Jab yeh bonds November 2020 mein issue hue the, toh online subscribers ke liye price ₹5,127 per gram tha aur offline ke liye ₹5,177 per gram. Ab maturity par yeh ₹16,012 per unit ke hisaab se redeem ho rahe hain. Aur haan, iske upar 2.5% ka annual interest toh mil hi raha tha.
Gold Price Ne Ki Dhamakedar Performance!
Itne zabardast returns ka secret gold ki badhti hui prices mein hai. Jab 2020 mein yeh bonds aaye the, tab gold prices around ₹4,480 se ₹5,177 per gram chal rahi thi. Par ab May 2026 tak spot gold prices ₹15,693 per gram ke aas-paas pahunch gayi hain. Is price rally aur SGB ke interest ne ise physical gold ya Gold ETFs se zyada attractive bana diya tha. SGB scheme government ne gold imports kam karne aur investors ko safe return dene ke liye shuru ki thi.
Naye Tax Rules Ka Chhaya Saaya
Ab aata hai woh important part jiske baare mein sabko pata hona chahiye. Budget 2026 ke baad, April 1, 2026 se SGBs ke tax rules mein change aa raha hai. Pehle tak, maturity par capital gains par koi tax nahi lagta tha, chahe aapne bond RBI se kharide ho ya stock market se. Par ab, yeh tax-free benefit sirf un original subscribers ko milega jo bonds ko poore eight years tak hold karenge. Jo log stock exchanges se baad mein SGBs kharidenge, unhe capital gains tax dena padega. Long-term holdings (12 mahine se zyada) par 12.5% tax lagega (indexation ke bina), aur short-term gains par aapke income tax slab ke hisaab se tax lagega. Is change se secondary market mein SGBs ki attractiveness thodi kam ho sakti hai.
Gold Ab Bhi Solid Hai, Par SGB Tax Benefits Kam Hue
Tax rules badalne ke baad bhi, gold abhi bhi ek safe-haven asset aur inflation hedge ke taur par bahut attractive hai. Geopolitical tensions aur central banks ki buying gold prices ko support kar sakti hai. SGBs abhi bhi government backed hain aur interest rate offer karte hain, par tax ke mamle mein ab pehle jaisa broad benefit nahi raha. Investors ko ab SGBs kharidte samay aur hold karte samay naye rules ko dhyan mein rakhna hoga.