Investors opting for premature redemption of the Sovereign Gold Bond (SGB) 2018-19 Series-III will receive ₹12,350 per gram on November 13, 2025, as per the Reserve Bank of India (RBI). The payout reflects a gain of around 294% over the issue price of ₹3,133 per gram (for online applicants), or ₹3,183 for offline investors.

The redemption price has been calculated based on the simple average of closing prices of 999-purity gold published by the India Bullion and Jewellers Association (IBJA) for November 10, 11, and 12, 2025.

The return translates to an annualised gain (CAGR) of roughly 24% over seven years, excluding the fixed 2.5% annual interest that investors have received during the holding period.

Under the Sovereign Gold Bond Scheme, premature redemption is allowed after the fifth

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