Government Bonds Calculator — ₹10 Lakh
Project the maturity value of a ₹10 lakh government bond investment at a given coupon rate and tenure, after tax.
Government Bonds — pre-filled with these numbers
Opens the full calculator with these values already set, in your own currency — adjust anything and the result updates instantly.
Open calculator →Modelled on RBI Floating Rate Savings Bonds / retail G-Secs: a fixed coupon paid semi-annually. Unlike a bank FD (which usually compounds quarterly), this assumes semi-annual reinvestment of each coupon at the same rate — real RBI bonds actually pay coupons out rather than auto-compounding them, so treat this as 'what it could grow to if you reinvested every payout,' not what the bond itself does automatically.
Bond interest is fully taxable at your marginal slab every year it's paid, exactly like FD interest — there's no LTCG concession and no TDS threshold exemption the way bank deposits sometimes get. Government backing means credit risk is effectively zero, but that safety isn't tax-advantaged.
Can I sell a government bond before maturity?
Many government bonds trade on exchanges before maturity, but the sale price depends on prevailing interest rates at the time and may be above or below face value — check the specific bond's liquidity before assuming an easy exit.
Is this a simplified version of the real calculator?
No — it's the exact same calculator, opened with these values already filled in. There's no separate, simplified math happening on this page; everything below adjusts once you open it.