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Personal Finance News

RBI Sovereign Gold Bond early redemption six-month calendar out: Check dates to cash your SGB

Upstox
By Upstox News Desk

7 min read | Updated on February 23, 2026, 17:28 IST

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SUMMARY

During the period April 1, 2026, to September 30, 2026, several tranches issued between 2018 and 2021 will become eligible for premature redemption. A total of 33 tranches of SGBs issued between 2018-19 and 2021-22 are eligible for premature redemption in FY26–27.

RBI Sovereign Gold Bond early redemption six-month calendar out

A total of 33 tranches of SGBs issued between 2018-19 and 2021-22 are eligible for premature redemption in FY26–27. | Image: Shutterstock.

As per the Reserve Bank of India (RBI) April 2026–September 2026 calendar issued on February 23, 2026, investors who wish to encash their Sovereign Gold Bond (SGB) holdings before the maturity date can submit their requests within the specified window announced by the RBI.

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During the period April 1, 2026, to September 30, 2026, several tranches issued between 2018 and 2021 will become eligible for premature redemption. A total of 33 tranches of SGBs issued between 2018-19 and 2021-22 are eligible for premature redemption in FY26–27.

Notably, April, July, and August 2026 are expected to witness the highest volume of redemptions, as multiple tranches reach the five-year mark in these months. Investors are advised to take note of the redemption window for their respective bonds and submit their requests to the Receiving Offices, NSDL, CDSL, or RBI Retail Direct within the specified period.

"In terms of Para 13 of the Consolidated Procedural Guidelines on the Sovereign Gold Bond (SGB) Scheme issued by the Reserve Bank of India vide circular IDMD.CDD.1100/14.04.050/2021-22 dated October 22, 2021, premature redemption of the gold bonds is permitted after five years from the date of issue of such bonds," RBI said.

Accordingly, the details of tranches falling due for premature redemption during the period April 01, 2026 – September 30, 2026, along with the window available for submission of request for premature redemption by the investors are as under:

SGB premature redemption schedule

Sl. No.TrancheIssue DateDate of Premature RedemptionRequest Submission Window – FromRequest Submission Window – To
12018-19 Series IIOctober 23, 2018April 23, 2026March 23, 2026April 13, 2026
22018-19 Series IIINovember 13, 2018May 13, 2026April 10, 2026May 04, 2026
32018-19 Series IVJanuary 01, 2019July 01, 2026May 30, 2026June 22, 2026
42018-19 Series VJanuary 22, 2019July 22, 2026June 20, 2026July 13, 2026
52018-19 Series VIFebruary 12, 2019August 12, 2026July 10, 2026August 03, 2026
62019-20 Series IJune 11, 2019June 11, 2026May 11, 2026June 01, 2026
72019-20 Series IIJuly 16, 2019July 16, 2026June 15, 2026July 06, 2026
82019-20 Series IIIAugust 14, 2019August 14, 2026July 14, 2026August 04, 2026
92019-20 Series IVSeptember 17, 2019September 17, 2026August 17, 2026September 07, 2026
102019-20 Series VOctober 15, 2019April 15, 2026March 14, 2026April 06, 2026
112019-20 Series VIOctober 30, 2019April 30, 2026March 30, 2026April 20, 2026
122019-20 Series VIIDecember 10, 2019June 10, 2026May 08, 2026June 01, 2026
132019-20 Series VIIIJanuary 21, 2020July 21, 2026June 20, 2026July 13, 2026
142019-20 Series IXFebruary 11, 2020August 11, 2026July 10, 2026August 01, 2026
152019-20 Series XMarch 11, 2020September 11, 2026August 11, 2026September 01, 2026
162020-21 Series IApril 28, 2020April 28, 2026March 28, 2026April 18, 2026
172020-21 Series IIMay 19, 2020May 19, 2026April 18, 2026May 11, 2026
182020-21 Series IIIJune 16, 2020June 16, 2026May 16, 2026June 06, 2026
192020-21 Series IVJuly 14, 2020July 14, 2026June 12, 2026July 04, 2026
202020-21 Series VAugust 11, 2020August 11, 2026July 10, 2026August 01, 2026
212020-21 Series VISeptember 08, 2020September 08, 2026August 07, 2026August 29, 2026
222020-21 Series VIIOctober 20, 2020April 20, 2026March 20, 2026April 10, 2026
232020-21 Series VIIINovember 18, 2020May 18, 2026April 17, 2026May 08, 2026
242020-21 Series IXJanuary 05, 2021July 04, 2026June 04, 2026June 24, 2026
252020-21 Series XJanuary 19, 2021July 18, 2026June 18, 2026July 08, 2026
262020-21 Series XIFebruary 09, 2021August 07, 2026July 09, 2026July 28, 2026
272020-21 Series XIIMarch 09, 2021September 09, 2026August 07, 2026August 31, 2026
282021-22 Series IMay 25, 2021May 25, 2026April 24, 2026May 15, 2026
292021-22 Series IIJune 01, 2021June 01, 2026April 30, 2026May 22, 2026
302021-22 Series IIIJune 08, 2021June 08, 2026May 08, 2026May 29, 2026
312021-22 Series IVJuly 20, 2021July 20, 2026June 19, 2026July 10, 2026
322021-22 Series VAugust 17, 2021August 17, 2026July 17, 2026August 07, 2026
332021-22 Series VISeptember 07, 2021September 07, 2026August 07, 2026August 28, 2026
( Source: RBI)

These dates may, however, change in case of unscheduled holidays, so careful planning is recommended for those considering early redemption.

"It may, however, be noted that the above-mentioned dates may undergo a change in case of unscheduled holiday/s. Investors are advised to take note of the period for submission of requests for redemption of SGB, in case they choose to redeem their holdings before maturity," the central bank said.

SGB tax update explained

Although the Sovereign Gold Bonds (SGBs) have a maturity period of eight years, the scheme allowed investors to redeem them prematurely anytime after completing five years from the date of issue. Both redemption on maturity and early redemption after five years were tax-free under the existing rules.

However, the Union Budget 2026 has proposed changes to the taxation of SGBs. Under the proposed amendment, capital gains arising after April 1, 2026, will be tax-free only for investors who purchased the bonds through the initial subscription and held them until maturity.

It is important to note that this amendment will take effect from April 1, 2026, and not immediately after the budget announcement.

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About The Author

Upstox
Upstox News Desk is a team of journalists who passionately cover stock markets, economy, commodities, latest business trends, and personal finance.

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