Early Exit Ka Maza Aur Naya Tax Rule!
Assal mein, RBI ne bond holders ke liye redemption price set kar diya hai, jo hai ₹14,931 per unit. Toh agar aap bhi Series VI ke bond holder ho, toh April 30 se aap apne paise wapas nikalwa sakte ho. Ye sab isliye ho raha hai kyunki jab yeh bonds October 2019 mein issue hue the, tab se gold ka rate bahut bhag gaya hai.
Is early exit se aapko lagbhag 295% ka returns mil raha hai! Jinhone iss time pe ₹1 lakh lagaye the, unka paisa ab ₹3.95 lakh ke kareeb ho gaya hai, aur yeh calculation interest payments ko alag rakh kar hai. Waise, SGBs pe saal ka 2.5 percent interest toh milta hi hai, jo do baar mein diya jata hai.
Tax Ka Naya Game!
Par bhai, ek choti si baat dhyan mein rakhni hogi. April 1 se jo naye tax rules laagu hue hain, uske baad premature redemption par capital gains tax lag jayega. Pehle kya hota tha ki agar bond maturity se pehle todte the toh tax nahi lagta tha, par ab ye option khatam ho gaya hai. Original subscribers ko bhi ab tax dena padega agar woh maturity se pehle paise nikalte hain. Tax se bachne ka ek hi tareeka hai - bond ko uske poore 8 saal hone dena. Aur haan, jo log secondary market se yeh bonds kharidte hain, un par bhi yeh naye tax rules ab lagu honge.
