Investors in the Sovereign Gold Bond (SGB) 2020-21 Series-I will receive ₹12,198 per gram on premature redemption due on October 28, 2025, according to data released by the Reserve Bank of India (RBI). The payout represents a gain of about 165.8% over five years from the issue price of ₹4,589 per gram, excluding the 2.5% annual interest paid semi-annually under the scheme.

The redemption value has been calculated based on the simple average of closing prices of gold (999 purity) for the three business days preceding the redemption date — October 23, 24, and 27, 2025 — as published by the India Bullion and Jewellers Association Ltd (IBJA).

As per the government’s notification dated April 13, 2020, early redemption of SGBs is allowed after the fifth year from the date of issue and only on

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