RBI savings bonds
Assumptions
Interest paid every half-year, not reinvested. Principal returned after 7 years. Tax percentage is a user assumption, not a TDS calculation. FRSB coupons reset half-yearly at NSC rate plus 0.35 percentage points; the selected constant rate is a scenario, not a seven-year locked rate. No cumulative option.
Rules: July–December 2026, reviewed 2026-09-11.
RBI · Floating Rate Savings Bonds
Estimates are not personalised financial advice. Review assumptions before use.
Half-yearly interest
Based on your inputs. Not guaranteed.
Half-yearly income
Changing the rate below tests a constant-rate scenario, not a forecast of future resets.- Half-year payout₹20,125Gross, at your entered rate
- After assumed tax₹20,125Per half-year
- Principal at year 7₹5 lakhSeparate from coupon income
Changing the rate below tests a constant-rate scenario, not a forecast of future resets.
View detailed breakdown
Is the entered rate fixed for the whole term?
It is a modelling assumption. Review actual rate resets separately; the payout table does not forecast future resets.
Detailed results
| Result | Value |
|---|---|
| Half-yearly interest | ₹20,125 |
| Payment after assumed tax | ₹20,125 |
| Total gross interest | ₹2.82 lakh |
| Principal returned at maturity | ₹5 lakh |
| Term | 7 years |
Future coupon resets will change the payments; this projection holds your assumed rate constant.
Cash flow table
| Period | Gross interest payment | After assumed tax |
|---|---|---|
| Half-year 1 | ₹20,125 | ₹20,125 |
| Half-year 2 | ₹20,125 | ₹20,125 |
| Half-year 3 | ₹20,125 | ₹20,125 |
| Half-year 4 | ₹20,125 | ₹20,125 |
| Half-year 5 | ₹20,125 | ₹20,125 |
| Half-year 6 | ₹20,125 | ₹20,125 |
| Half-year 7 | ₹20,125 | ₹20,125 |
| Half-year 8 | ₹20,125 | ₹20,125 |
| Half-year 9 | ₹20,125 | ₹20,125 |
| Half-year 10 | ₹20,125 | ₹20,125 |
| Half-year 11 | ₹20,125 | ₹20,125 |
| Half-year 12 | ₹20,125 | ₹20,125 |
| Half-year 13 | ₹20,125 | ₹20,125 |
| Half-year 14 | ₹20,125 | ₹20,125 |