How to Buy Capital Gain Bonds through Online or Offline? | Allotment Status |

Investment in Capital Gain Bonds in India

LTCG i.e. Long-term capital gain is the gain that is derived out of a sale of an asset (Property or Building or Jewellery or Share) that has been held for more than 2 years.
You can invest the gain in certain specified capital gain bonds to claim tax exemption within six months of the date of sale of the asset.
Capital gains bonds also know as 54EC bonds, are one of the perfect way to save LTCG tax arising out of the sale a capital asset.
The maximum limit for investing in bonds is INR 50,00,000.
Before we discuss the “How to buy capital gain bonds through online“, let us briefly touch upon the features of bonds.

Issue DetailsOn-going
Tenure5 years
Rate of Interest5.00% p.a. payable annually
TaxationInterest is taxable. However, no TDS is deducted
RedemptionAutomatic Redemption after 5 Years
RatingAAA rated
Mode of HoldingPhysical or Demat
Min InvestmentRs. 10,000
Max InvestmentRs. 50,00,000 Lacs

Also Read SBI Capital Gain Bonds | 54EC Bonds | Features | Interest Rate 2021 |

These bonds are issued by following companies:

  1. Indian Railways Finance Corporation (IRFC)
  2. Rural Electrification Corporation (REC)
  3. Power Finance Corporation (PFC)
  4. National Highways Authority of India (NHAI)
Issuer NameInterest Rate(% p.a.)Payment Date of Interest rateApplication Form
REC5.0030th June every yearDownload Form
IRFC5.0015th October every yearDownload Form
PFC5.0031st July every yearDownload Form
NHAI5.0001st April every yearDownload Form

Also Read Sovereign Gold Bond : Best Returns on Gold Investment | 2020-21 Dates

How to Buy Capital Gain Bonds through Online?


Time needed: 5 minutes.

Follow the steps given below for applying bonds through online.

  1. Issuer Name

    You could invest online in IRFC, REC & PFC Capital Gain Bonds using the
    below link. However, NHAI is unavailable through SBICap securities.
    1. IRFC
    2. REC
    3. PFC
    How to Buy Capital Gain Bonds Online
    Also Read NHAI Capital Gain Bonds – How to Buy NHAI Bonds through Online?

  2. Application Form Online

    Click on any of the above link, read the instructions and Click on ‘Fill Application Form Online’
    How to Buy Capital Gain Bonds

  3. Terms and Conditions

    Read the Disclaimer and Click on ‘Agree’.
    54EC Bonds SBI

  4. Demat or Physical mode

    Fill all the required details and Click on ‘Submit’.
    You could select to opt between demat and Physical mode. However, in case you wish to hold bonds in demat form, select the depository NSDL / CDSL and enter your demat account details.
    Capital Gain Bonds Application form

  5. Print and Sign

    Upon successful submission of application form in Step 4, a unique application would be assigned to
    Click to download the application form, take a print and sign the same. Now, Click on ‘Back to
    Download The Form

  6. Upload the Form

    Click on Upload Application tab
    KYC document

  7. OTP Verification

    Enter your application number, email id and mobile number to generate OTP. ‘Validate’ the OTP
    and upload duly signed application form, Id proof and Address Proof and click on proceed to payment.
    Upload Document 54EC

  8. Payment Process

    Make the online payment through debit card / net banking to finally complete the transaction. The
    effective date of investment would be the date of credit of funds in the issuer’s bank account.

Also Read RBI Bonds 2021 or Floating Rate Savings Bonds | Rate of Interest | Online & Offline

Allotment Status

Investor could check the status of application from the below link. Usually, it takes 15-20 working days
for the status to get updated in the below links.

Rural Electrification Corporation Limited (REC)
Indian Railways Finance Corporation (IRFC)
Power Finance Corporation Limited (PFC)
error: Content is protected !!