10:45 AM, Time – The RBI has officially notified the final redemption price for the Sovereign Gold Bond (SGB) 2017-18 Series-VII for all investors. It’s going to mature on November 13, 2025. Investors of this tranche will get a rate of ₹12,350 per gram. It is a mark of one of the strongest long-term wealth outcomes for retail investors in India.
Unlike buying physical gold, where investors deal with making charges, purity risks, or storage issues, SGBs offer a clean, transparent, government-backed way to invest in gold — with zero tax on redemption.
What the RBI Announced Date: Nov 12, 2025, for SGB
As per the RBI press release, the redemption price is determined using the simple average of the gold price (999 purity) for the past three business days —
November 10, 11 and 12, 2025 — as published by the India Bullion and Jewellers Association (IBJA).
This average resulted in the official maturity payout of ₹12,350 per unit for this tranche.
Issue Price vs Payout: How Much Did Investors Make?
| Particulars | Value |
|---|---|
| SGB Series | 2017-18 Series-VII |
| Issue Date | 13 November 2017 |
| Issue Price | ₹2,961 per gram |
| Final Redemption Price (RBI) | ₹12,350 per gram |
| Absolute Return (₹) | ₹12,350 – ₹2,961 = ₹9,389 |
| Absolute ROI (%) | 317% |
| Annual Interest (Extra) | 2.50% per annum (semi-annual payout) |
| Tax on Redemption | Zero (Capital Gains Exempt) |
The 317% return represents only the gold price appreciation, not the total return. Investors also earned an additional 2.5% annual interest on the original issue price throughout 8 years, which is paid separately and is not included in the total ROI calculations.
If You are New to SGBs, Here’s the Simplest Explanation
What is a Sovereign Gold Bond (SGB)?
SGBs are government-issued financial instruments that let you invest in gold without buying physical gold.
One unit = the value of 1 gram of 24K, 999 purity gold.
How SGBs Work
- You buy units at the gold price fixed by the Government of India.
- You earn 2.5% annual interest, credited twice a year.
- After 8 years, you get back the current gold price, declared by the RBI.
- On redemption, no capital gains tax is charged.
Disadvantages:
SGBs require you to stay invested for 8 years, so your money is not easily available if you need it early. You can sell before maturity, but finding buyers can be difficult. Your final returns also depend fully on gold prices, which can go down during weak market periods.
When Can You Invest in SGBs?
SGBs are not available every day. The Government opens subscription tranches a few times every year, usually announced by the RBI or the Ministry of Finance.
You can invest via:
- Banks
- Post offices
- Stock exchanges
- Online platforms (for ₹50 discount per gram)
Who Should Consider SGBs?
New investors, long-term planners, gold buyers, and anyone looking for a tax-free, safe investment with government backing.
This combination of 317% price growth, annual interest, and zero tax has made SGB 2017-18 Series-VII one of the best-performing long-term retail and secure investments in India. For newbie investors, please learn and be ready for the next subscription date.
Disclaimer: This story is shared for general awareness. Please think about your own situation or talk to a professional you trust before investing.
Recent RBI Updates – Gold vs Silver Loans: Which One Works Better for Small Borrowers? What the RBI Says
