RBI ne Floating Rate Bond 2034 ke liye **7.26%** ka coupon rate set kar diya hai. Ye rate **April 29, 2027** tak valid rahega. Yaad rahe, ye fixed-income bond nahi hai, isliye returns market ke hisaab se up-down hote rehte hain.
Coupon rate kaise hua decide?
Reserve Bank of India ne clear kar diya hai ki October 30, 2026 se April 29, 2027 tak ke period ke liye coupon 7.26% rahega. Floating Rate Bond (FRB) hone ki wajah se iska return har 6 mahine mein reset hota hai taaki ye current market interest rates ke saath sync mein rahe.
Fixed bond se alag kaise hai?
Traditional bonds mein interest rate maturity tak fixed rehta hai, par yahan scene alag hai. Iska payout 182-day Treasury Bills ke average yield par depend karta hai, jisme 0.98% ka spread add hota hai. Matlab, agar market mein short-term rates badhenge toh aapka payout badhega, aur agar rates gire toh payout bhi kam ho jayega.
Investors ke liye kya hai zaruri?
Jo log RBI Retail Direct ke through invest karte hain, unhe ye samajhna hoga ki isme income ki uncertainty rehti hai. Haan, ye rising interest rate ke environment mein ek accha protection zaroor deta hai, par final yield aapke khareedne ke price par bhi depend karegi.
Tax ka jhanjhat
Is bond se hone wali earning par pura tax lagega. Ye income aapki total income mein add hogi aur aapke tax slab ke hisaab se tax katega. Kyunki har 6 mahine mein payout badal sakta hai, isliye apne tax planning mein is fluctuation ko zaroor consider karein. Aage badhte hue bas ek cheez track karni hai—Treasury Bill yields aur RBI ke decisions, kyunki wahi decide karenge ki aapki jeb mein kitna aayega.