RBI Bonds Calculator
For RBI Floating Rate Savings Bonds — a government-backed, fixed 7-year savings instrument. Choose cumulative (one lump sum at maturity) or non-cumulative (a payout every 6 months) and see what your money could come to.
The bond's real rate floats and resets every 6 months — this uses the rate you enter, not a live figure. Check rbi.org.in or your bank for the current official rate. Interest is fully taxable at your slab rate. Not investment advice.
GintiFlow doesn't sell bonds or fetch live rates — it's just a place to record what you've actually invested, RBI bonds included, alongside FDs, gold, and more, so your real net worth is in one place.
How it works
The tenure is fixed at 7 years — that's the bond's defining feature, not a choice you make. Under the cumulative option, interest compounds every 6 months and the whole amount — your original investment plus all the accumulated interest — is paid out in one lump sum at the end. Under non-cumulative, the same interest is paid out every 6 months as it's earned instead, and you get back exactly what you put in in a lump sum when the 7 years are up.
An example
₹1,00,000, cumulative, at an assumed 8.05% a year. Over the fixed 7-year term the estimated maturity value is about ₹1,73,751 — roughly ₹73,751 of that is interest. The same amount under non-cumulative would instead pay out about ₹4,025 every 6 months, with your original ₹1,00,000 returned at the end.
Common questions
Cumulative or non-cumulative?
Cumulative if you want the interest to compound and grow into a larger lump sum. Non-cumulative if you'd rather have a predictable income every 6 months and don't need the growth.
Is this rate guaranteed for the full 7 years?
No — the real rate resets every 6 months in line with the prevailing NSC rate. This calculator uses whatever rate you type in as a flat assumption for the full term, to give you a ballpark; your actual return will track whatever the real floating rate does over the 7 years.
Can I withdraw early?
Only if you're a senior citizen, and only at specific reduced tenures depending on your age band. For everyone else, the 7 years is a genuine lock-in — don't put in money you might need before then.