How to buy Gold Bonds Online| What are the advantages of Gold Bonds| Explained by CA Rachana Ranade
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- čas přidán 12. 09. 2024
- In this video, you will get to know all about Gold Bonds issued by RBI.
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I am amazed at how much information you can clearly feed into my lazy & financial illiterate brain.. Thank you Madam!
Jj
Bolo juban kesari...Vimal Bhai...
Ma'am, your explanation of each and every topic is very detailed and comprehensive. I really like the diversity in topics that you explain. Really appreciate it as I learn a lot from your videos. Thank you!
What a intro Ma'am with mom's action 🙌. It also indicate our Indian mentality towards gold.
I really admire her presentation skills.
I think she is one of the best in presenting
Yes I can get a loan for giving my security as collateral to the bank.
No I don't have to pay gst on SGB.
Ans 1 - Yes...we can get loan against SGB
Ans 2 - No GST.❤️
Thanks
How much loan can get
@@taskapp8321 jitne ka gold price aur quantity rhega apke pas,utna he,usse jyada nhi milne wala 😂
Loan against sgb will be treated as redemption of sgb
We cannot take loan on sgb
Madam.. there is some positive aura around your lecture :) Not just the content, everything is perfect :)
😂😂 what a start. Kudos to the creativity
Haha that one made me laugh.
Groww app is good or not for investment
@@deepakkumargupta2909 Good
Damn that pillow. In my case was the broom.
@@dr.cricket4698 lol broo
1) Yes, these securities are eligible to be used as collateral for loans from banks, financial Institutions and Non-Banking Financial Companies (NBFC). The Loan to Value ratio will be the same as applicable to ordinary gold loan prescribed by RBI from time to time.
2) GST is not levied on sovereign gold bonds, making this scheme further cost-effective. Otherwise, GST at 3% is levied on gold purchases.
Thanks
first question answer is yes. we can take loan against this SGB'S.
second questions answer is no. no GST or anyother tax is charges.
MADAM please make a video on how to trade in SGB in secondry market. when ever i place any order in secondry market it failse. please help its a request. thank you
I trade frequently in SGBs never faced this issue
@@VishalGupta-nt2rgsir I will really appreciate you, if you could help me out related to do trading SGB in secondary market. Because from a long time I want to learn it. Thank you
Buy through Zerodha. You can easily sell it
@@mahendrasahu04111988 u can buy it fm Sharekhan too
@@mahendrasahu04111988 could you please elaborate the issue... what exactly is the problem that you are facing while trading in SGBs
1. These bonds can be used as collateral for loans.
2. No, GST is not charged on gold bonds/etf, or any other form of paper gold.
Ma'am really love the way you explain each and every topic in your videos. Being a novice in the financial areas, your videos helps a lot to get the complex knowledge in an easy simple form. Thanks a lot for the videos.
Further instead of purchasing from RBI if we purchase from Market we will get cheaper.
@@jaychoudhury1401 but how to buy from demat account like which gold ETF as so many gold etfs and bonds are there
No words for the start ..... Mum"s are too good in emotions
You >>> Netflix, Amazon Prime, etc.
Ans = 1 Q :- Yes we can get a loan using these securities .
2 Q :- NO GST is not required to be paid
I really enjoyed your info on this topic :)) I am 20 and ready to invest .
Ans to homework questions :
1) yes, we can use this bond to have a loan from banks etc.. As collateral security
2) No GST payment to purchase this SGB.
Homework:
1) yes, we can use this sgb as collateral to any fin. Institution for a loan.
2) GST is not required for a gold bond.
Madam pls i have a serious question......
Q) If we purchase SGB through upstox, zerodha etc.. shall we will get Bond certificate automatically by post or courier.
Or
To get SGB certificate shall we need to apply through bank? Pls clarify this important question madam.
@@sanjithjayakumar7185 I got the gold bond certificate via mail from RBI.
3) What happens if someone holds SGB more than 8 years, will they still get 2.5% appreciation??
@@sourabhpatel2391 SGB come with a fix maturity date of 8 years and are automatically redeemed on that date.
@@handasisters I was hoping so. Thanks for confirmation.👍👍
SGB's are securities
So out of scope for GST purpose
Goods under GST excludes securities
No minimum balance required
Answer1- Sovereign gold bonds can be used as collateral at the time of taking loans from public or private banks, NBFC and also from other financial institutions. Basically Sovereign Gold Bond is a security provided by the government that can be denominated in grams of gold.
Amazing wealth of information on all your videos. I do have a clarity on this.
If I buy this from Stock Exchange and not during initial issue, how does the computation of 8 year lock in period happen in this case? Also the long term capital gain on this purchased will be valid?
Your teaching skills are fabulous. You simplify tedious concepts. I have started watching your you tube videos. Now I am getting confidence to invest in stock market.
Thanks for sharing details on SGB. Can you also share how to exit after 8 years ? Do we need to keep Zerodha or any brokerage account active till 8 years?
Good question
If you apply for paper cert no need of demat. If you apply for demat format u have to keep demat account active for 8y. If you have in demat format then you can sell on nse etc and then u can close demat account. I am not an expert
Thanks for the video CARR mam. As a small investor, after watching ur video on SGB I have booked 1 slot. On the other hand I used to invest in mutual funds and some long term shares. My request is “mam can u make a small/quick video on all long term(SGB’s, MF’s etc.,) options available online”.
Don't buy SGB..
Buy Physical Gold..
Don't fall for the interest..
There is no substitute of physical Gold..
@@pjkundani but why?
Thankyou so much Ma’am, reading the news paper helps but watching your videos clears the doubts and misconceptions that I have.!
The answer to the questions are:
1) Yes loan can be taken against these units of SGB
2) No GST will be attracted.
Thanks a lot.
1.SGB are transferrable, hence can be used as collateral against loans
2. I think there are no GST levied on SGB
I liked your videos, need to know:
1) Which SGB scheme should be taken via broker in demat a/c.
2) How will I know maturity date for the scheme I bought online
3) Suppose I bought anyone SGB scheme online, in order to complete 8 years, date of my purchase or date of issue of the scheme will be considered.
4) Online purchased of SGB via broker in Demat, 2.5% Interest will be credited to Bank account or trading account
5) After maturity, how to approach to RBI
I have to know ans for 5th question
Ma'am, first of all, I'd like to appreciate your efforts as your videos are very informative and they have made me start investing in the stock market. I have a question regarding SGB when we trade on gold bonds, Is there a gold reserved by the name of the owner in a physical form ?? Like when we buy equity, we own a small proportion of the market value of the company. Is that the same case in SGB also?
No
kya start tha video ka...hillariously accurate:))))
hello mam, firstly i would like to thank you for sharing complete knowledge free of cost. Being a science student you can imagine that probably i don't have any knoweldge regarding commerce field. but from the day i started watching your lecture i can firmly say that yes i have a good knowlegde. Thanks, thanks alot.
Now i want to request you , please make complete lecture series on forex trading. PLEASE :)
Madam the way you teaching us like one of my friend giving gyan (laugh).---Jokespart ----Madam really really you are so amazing
,and the way you explaining is totally totally awsome .Actually i have no knowledge but after seeing this video Now i can say i know about SGB.--------THANKYOU MA'AM
physical gold and SGB returns are not comparable.... current gold price is 51.5k but my SGB (invested in jun 2029 SRII) is 47700...
With such a creativity and increasing subscriber count I think you'll be there in the youtube fanfest this year👌😃
##Hi Mam My questions are
1) Why cant we buy SGB (Issued before few years) directly from secondary market which are available for discounted price and lesser maturity period?
2) Do we get 2.5% interest in case if we buy SGB from secondary market and keeps till maturity ?
Good question
I had gave the same advice to one of my friend Jethalal Gada in 2008 and now he is living an amazing life. He invested those returns in his electronic shop which has a turnover of crores now.
Thanks to gold appreciation 🙏
Everyone should invest in it once.
Madam, @2:51 CAGR computation is wrong.
You have computed CAGR assuming that the period of investment is only 1 year.
However, as per the chart shown, the number of years of investment is 5. So the CAGR is 9.93%
Wow 👏🏼! I have never come across such a simplified and meticulous explanation of an investment! Keep up the awesome work 👍🏼👍🏼👍🏼.
Thanks a lot for your valuable explanations. It means a lot to new invester like me. It's really very simple, understandable and eye catching. You are doing a great job and I would love to see more and more.
Million thanks again
Gold is trending at 72K today ❤
Dear Rachana,
Thanks for the very informative video, the fact is today I was myself looking at these to invest for myself as having gold in physical form can be tiresome.
1. Do I get CAGR over the period of suppose 10 years on for example 50 gms of gold?
2. As an NRI can I get these SGB cashed out anywhere in the world after my maturity ? I guess that's your home work? LOL.... Great Job
Very informative mam.....1) loan can be taken
2) no GST
Perfectly explained mam.
Thank you
Each word coming from Rachana Ma'am has value to it & I'm glad it's available to everyone for free.
Bro u didn't replied!
Har time yahi Chutiyap Likta hai
@@abhisheksinghal3546 language?
@@keyurmulrajani2221 chal chal. Apne Baap. Ko mat sika
I was waiting for your video on this topic since I got notification from Zerodha abt SGB. 😉
Thanks a lot for making it now..
You are my reliable source 😇
Why are you considering 5 years ago gold price when gold bond is for 8 years take 8 year historic gold price you will see growth of only 13% hiding facts is not quality content. If you take 13% return then bank fd is better than sovereign gold bond.
And at present equity fall and gold rise so when economy will be on track gold price will fall as they are inversely proportional so gold price will not rise 30 to 35% is high probability chance.
I would prefer fd atleast I will be sure how much I will get and both gives simple interest.
Further if you do maths 2012 and 2019 gold prices
2012 it was 31050 after 8 years 2019 it was 35220
So return is 13 % divide by 8 years its 1.67% and 2.5% per year so total is 4.17% which is lower than current fd rate and current gold prices are too high to invest in this.
@@almightygamingmlbb2391 if you have a good stock portfolio then investment in gold offsets the risk when there is downfall in stock market.
So if you manage your portfolio proportionately then having gold saves you when market is bearish.
You may get better ROI on FD
but risk of bearish market is also a factor which FD doesn't take care of.
After all you can't put all your eggs in one basket
Hi, when are you going announce discounts on fundamental analysis course. We are waiting😉
Hello Ma'am,
Your lectures are awesome, keep it up.
My question is about SGB of the last week of August 2020 which will be sold at INR 5117 per gram. Is it good to buy it at such higher price? I mean prices has been grown because of international market situation, may be covid impacts etc but is it good to buy it now or prices of SGB may goes down in future?
So much information given in such creative and systematic way.. loved it!!
Gold is not for sentiment. Its life survival in tough time.
Thank you for your information. Is demat account required to buy gold bonds?
No
What is tax treatment of the capital gains on maturity of bonds in the hands of an investor who buys the bonds on a stock exchange? Whether he too gets the exemption from capital gains tax?
Very well prepared and Explained ! Interesting not only the information but also the approach towards the Content 👏👏👏
Started loving your channel..great place to learn, everything explained how n very simple language
The start was awesome, you acted soo cute.
Ma'am what are the disadvantages of buying SGBs?
Suggest me at a commerce prospective.
Thanks for explaining about sovereign gold bonds,
If I buy sgb in stock exchanges do I eligible for nil capital gains tax, if so how long I have to hold it.
The flying cushion from mom made me subscribe!🤣....so relatable
Excellent explanation as usual. Thanks a lot!
Kay beginning Ashe yaar!! Dude u rocked!! Great video!!
I am on a marathon watching your videos. HAHA. So much of great content! Thank you so much for this Rachana! You Rock!
Same man!
CC Rachana Ranade madam, thank you truly! I don't feel like a left out now (having not been a finance or commerce student) :D Big cheers.
Amazing, was skeptical about this whole sgb thing, but now I'm more informed about it.
very well explained .As a beginer I have learnt alot from your video.
Your style is awesome...I always hit like in the starting itself
What if the gold bond depreciates at the end of five or 8 years?
Just look back the history of 50 to 80yrs back....you will get the crystal clear answer brooo😬😬
Sell ur gold now and buy gold after 8years.
Gold price will never depreciate in long run
Madam , the returns from gold are not 37% CAGR , it is just around 10% CAGR
where/how can I attend your live q&a session for the queries listed here.
Great video. Really appreciate the time and energy you give to make these video. I don't get time to see all, but u have so much enthusiasm to make . Amazing.
Awesome.....i always learn something new from you ma'am,thank you soo much.
Hi Rachana, Thanks for the detailed explanation.
Is the semi-annual interest payout based on the initial bond purchase price or the past 3-business day average price of gold?
semi-annual interest payout based on the initial bond purchase price
VERY NICELY EXPLAINED..!! THANK YOU FOR SHARING THIS INFO.
Why are you considering 5 years ago gold price when gold bond is for 8 years take 8 year historic gold price you will see growth of only 13% hiding facts is not quality content. If you take 13% return then bank fd is better than sovereign gold bond.
And at present equity fall and gold rise so when economy will be on track gold price will fall as they are inversely proportional so gold price will not rise 30 to 35% is high probability chance.
I would prefer fd atleast I will be sure how much I will get and both gives simple interest.
Further if you do maths 2012 and 2019 gold prices
2012 it was 31050 after 8 years 2019 it was 35220
So return is 13 % divide by 8 years its 1.67% and 2.5% per year so total is 4.17% which is lower than current fd rate and current gold prices are too high to invest in this.
Why dont you show how to apply through Upstocks ? Every time you show through Zerodha only ?
Came across your channel and it is so so so so good and informative. Such good content in such easy to understand way. Loved it. Keep shining!!!! ✨👍👍
If you're an investor. Could you help me with some knowledge in the stock market
Gr8 information.My simple question, different SGB being traded on NSE have different dates of payment of interest.Suppose I buy a SGB whose interest due is 25.11.2021, and I sell it on 30.11.2021 and buy SGB whose interest due is December.Apart from fluctuation in market , will I be getting appox 2.5 % in two months?
1). I want to buy gold for my daughter wedding, so if I buy SGB now, can I exchange it for physical gold before her marriage?
2). Is it a good idea to buy SGB trading at NSE which were issued one or two years ago?
3). Is there any disadvantage to buy SGB from NSE which were issued 5 years ago?
4). What if I buy the recent tranche of SGB and its is trading at severe discount at NSE, will I lose money?
Why are you considering 5 years ago gold price when gold bond is for 8 years take 8 year historic gold price you will see growth of only 13% hiding facts is not quality content. If you take 13% return then bank fd is better than sovereign gold bond.
And at present equity fall and gold rise so when economy will be on track gold price will fall as they are inversely proportional so gold price will not rise 30 to 35% is high probability chance.
I would prefer fd atleast I will be sure how much I will get and both gives simple interest.
Further if you do maths 2012 and 2019 gold prices
2012 it was 31050 after 8 years 2019 it was 35220
So return is 13 % divide by 8 years its 1.67% and 2.5% per year so total is 4.17% which is lower than current fd rate and current gold prices are too high to invest in this.
You cannot exchange for physical gold. Just sell your SGB when time comes and buy physical gold from your nearest jewellery.
@@almightygamingmlbb2391 I read your comment , can you explain in more detail plz
Don't prefer SGB.. always physical gold is best. Buy as gold coin keep it safe till her wedding exchange it for jwellery
@@almightygamingmlbb2391 YES SIR ITS CORRECT . ECONOMIST SRINIVASAN SIR (TAMILNADU)ALSO TOLD SAME THING. NOT THAT MUCH ATTRACTIVE .
Madam, Thank you for your detailed explantion about SGB. Even Layman can understand your clear and detailed explanation. But I would like to clarify from you How come Gold has given 37% CAGR? As per the graph shown in your video in 2015 the rate of Gold was 26,343/-. In 2020 it was 42,300/-when you recorded the video. Then it works out to 9.93%CAGR. It it grew really @37%CAGR, the value must have been Rs.1,27,135.86. Please clarify the calcualtion of 37% CAGR.
Yes I was calculating same
Such maakad antics! Hilarious 😂😂 I love that you're not afraid to do random things. Gives the channel a chill vibe.
Good info. Answers for 1 is Yes and 2 is No. I've been buying these since 2017 when it was consolidating from 1280$/oz trading range.
I want to invest in SGB and my question is: If I want to invest more money in the SGB later, can I invest ??
For example: I will buy 10 grams now and later after 6 months, can I buy more?
Knowledge video 📸 thankyou for sharing 💕
Mam ...hume abi gold k price high chl rhe h toh is it beneficial to invest in SGB now or should wait to reduce the price??
Kindly tell the procedure and related form(s) for dematerialisation of my physical SGB certificate.
Mam, CAGR comes out at 10 % approx
How?
@@jainishiroiya9871 Can you contact me on telegram/twitter ?
Rachana Ji - I watch your videos from USA and learn investing in India. I would love to say: You are awesome ji 🙂🙂.
Keep doing your good work. 👍🙂
Hello maam. Can we keep the sgb for more than 8 years ? And for how long do we get the annual interest??
Mam, Can you make a video on daily margin sheet? It has alot of intimidating terms which make it bit difficult for newbies like me. It would be very nice to have a easy guide to follow to understand something difficult.
Thanks
can i also buy these bonds from exchanges directly instead of subscribing it now from rbi when they will be placed on exchanges for trading ???
and in that case whether i have to pay the capital gains tax and do i also get the 2.5% interest on them annually if i took the delivery of them from exhange ??
+1
+1
Yes Only after 5 years
Namaste ! As always an amazing educating & Insightful content. Investing in SGB also saves the worry of physical gold theft & saves from bank locker fees. If I may request, could you please do a video or a blog on PMVVY Pension scheme for senior citizens. Would be useful to plan for our aging parents. Appreciate your energy & enthusiasm ! Cheers, Vaidya
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भयंकर ⤴️⤵️ Nifty का june, july month का भविष्य 31may 2020को upload देख ले ताकि नुकसान न हो
If a person purchased SGB's for 5 years.
After 5 years, if a person wants physical gold, can we get???
Can a person convert SGB's to physical gold?
No, you can only get it back in cash form with the then current value of gold.
खूप आपलेपणा वाटतो तुमच्या व्हिडिओज पाहून 🙏🏼. मनापासून धन्यवाद.
Hi Mam,
What can be happen after mature period, can we hold it.
no you will get your money in your account
Don't buy SGB..
Buy Physical Gold..
There is no substitute of physical Gold..
We are using FIAT currency..
Convert FIAT into gold..
Ma'am how is groww app (online broker)......
What if some stock Investment application like zerodha,groww shuts or do frawd
WILL I GET THAT 2.5% INTEREST IF I BUY FROM SECONDARY MARKET OFCOURSE FROM THE DATE OF PURCHASING IT FROM SECONDARY BOND MARKET???
I too got this doubt. Have you got any answer?
@@Prasad4096 no
@@tanmaychoudhury8349 I think we get the interest. But we need to consider one more main point while buying in secondary market.. i.e. if SGB bond was issued long back..at that time suppose issue price was 3500. .but currently we buy for ~4900 in secondary market. But we get 2.5% interest on issue price (based on 3500). Better to check the issue price also while buying
1 silly question.
What happens if the gold price depreciate? will it impact the capital invested?
What if I buy sgb from stock exchange
Does it contains all facilities and consequences related with sgb buyed.from rbi
Plz make video on how to buy
From rbi where to buy
As well as from stock exchange
Thank you Rachana mam for a such intuitive video on SGB. I have one question: If I buy new bond then it cost 4627.00 per gram but in secondary market similar bond is available at less than current one eg: SGBDEC2513-GB is trading at 4580. Is this lucrative to buy same bond from secondary market? or both cost same if I consider indexation benefit.
Interesting. Waiting for mam's reply
It may not have same interest rate! 2.5%
@@boeing747200lr no that doesn't happen !!
Adding to your questions, i have 1 more doubt. Of i buy from secondary market, from that date i should hold it for minimum 8 years or it's cumulative age of gold bond.
@@sandeepnkasal6 bond maturity is fixed !! Means if you buy it after 1 year of issue it would mature after 7 years . For ex you bought may 2025 SGB now it would still mature on may 2025
Will I get interest if I buy traded SGB from Zerodh?
Secondly why prices of traded SGB of previous series is not same?
Hi Rachna Ma'am, could you please help us explaining how would we trade SGB from Zerodha? I saw there were many SGBs listed, not sure which ones to go for! Also would a return of 2.5% semi annually also imply when we trade SGB from a secondary market? Thanks in advance
Mam ..Happy to see this video..
Could you please let me know that if I buy SGB units from Trade App, would I get 2.5% Interest and other RBI benefits on that as per guidelines?
Very well explained with sheer points about SGB. Understood properly.
Thank you ma'am. Kindly give guidance or can start a series covering economics. 🙂
Hi Madam, There might be bloopers while shooting you can add few at the end. That way it could be unique and we enjoy too at the end. Content wise you are awesome.
This is not entertainment channel this channel is for learning
Love the intro....un expected
Answer for 1st question is "YES"
And for 2nd question is "NO"
you are excellent Rachana. you explain so easily in layman terms. Just amazed
Please could you answer some of my questions on SGB?
1. Can I keep the bonds for more than 8 years or I must have to redeem them on maturity?
2. Is investing in SGB is a better option or mutual funds because they provide much better returns than SGB.
Thank you.
For diversifying your portfolio you can invest some amount in SGB