RBI Retail Direct Scheme

The RBI Retail Direct Scheme is an initiative of the Reserve Bank of India (RBI) that enables individual investors to invest directly in government securities through the RBI Retail Direct Portal.Under this scheme, investors can open a Retail Direct Gilt (RDG) Account with RBI and invest in government securities investments without the need for intermediaries.

Features & Benefits
About RDG Account
How to open an RDG Account
RBI Retail Direct Support

Features & Benefits

Direct access to government securities

Invest directly in government-backed securities through RBI's Retail Direct platform.

Online account opening

Open and manage your Retail Direct Gilt (RDG) Account digitally through the RBI Retail Direct Portal.

Primary & secondary market access

Participate in primary auctions and trade government securities in the secondary market.

Direct credit of proceeds

Interest payments and maturity proceeds are automatically credited to the linked bank account.

No account maintenance charges

RBI does not levy charges for opening or maintaining an RDG Account.

About Retail Direct Gilt (RDG) Account

A Retail Direct Gilt (RDG) Account is a securities account maintained directly with the Reserve Bank of India.

Through the RBI Retail Direct Portal, investors can:

Open and maintain an RDG Account online.
Participate in primary issuances of government securities.
Invest in Treasury Bills (T-Bills), Government Securities (G-Secs) and State Development Loans (SDLs).
Access secondary market trading through RBI-authorized platforms.
Hold government securities in electronic form.
Receive interest and redemption proceeds directly in the linked bank account.

The scheme provides a simple, secure, and transparent platform for investing directly in government-backed securities.

How to open an RDG Account?

Please follow the steps below to open an RDG account.

01
Visit the RBI Retail Direct Portal at https://rbiretaildirect.org.in.
02
Complete the online registration process.
03
Submit KYC details and required documents.
04
Link your savings account.
05
Start investing in eligible government securities.

RBI Retail Direct Support

Support Hours

Monday to Saturday, 10:00 a.m. to 6:00 p.m.

Disclaimer - RBI Retail Direct is a facility provided and operated by the Reserve Bank of India (RBI). The Bank neither operates nor manages the RBI Retail Direct platform. Customers interested in investing directly in Government Securities may visit the RBI Retail Direct Portal for account opening, investment and related services.