RBI Retail Direct (Government Securities & SGB)
Department / Authority: Income Tax Department, Ministry of Finance
Am I ready to apply?
Check off the requirements below to verify if you have everything ready before visiting the portal.
Tip: Keep digital scans (PDF/JPEG within prescribed file size limits) ready before launching the online form to avoid session timeouts.
What this service does
Reserve Bank of India portal enabling retail individual investors to open Retail Direct Gilt (RDG) accounts directly with RBI to buy and sell Central Government Securities (G-Sec), Treasury Bills (T-Bills), State Development Loans (SDL), and Sovereign Gold Bonds (SGB) without paying broker commission.
Who can use it / Eligibility
Individual retail investors maintaining a rupee bank account in India with valid PAN and email/mobile.
What you'll need (Documents Required)
- 1PAN Card
- 2Aadhaar Card for e-KYC
- 3Bank Account Details (Cancelled cheque / Passbook)
- 4Scanned Signature
How it works (Step-by-Step)
- 1Visit rbiretaildirect.org.in and click 'Open RBI Retail Direct Account'.
- 2Perform PAN and Aadhaar e-KYC verification.
- 3Provide bank account details for interest and redemption payouts.
- 4Upload signature specimen and complete digital onboarding.
- 5Bid in primary auctions for Sovereign Gold Bonds and Treasury Bills directly from RBI using UPI or Net Banking.
All bidding and bond custody is managed digitally via RBI.
Key Service Facts
Zero Account Opening Fee, Zero Annual Maintenance Charges, Zero Bidding Brokerage
RDG Account opened online within 2-4 hours
1800-267-7955
Every URL, document list, and fee requirement is verified against gov.in or nic.in portals. (rbiretaildirect.org.in).
Transactions occur only on government websites. Never share OTPs or passwords with third parties.