Gold Rules Changing from April 1, Major Update You Must Know

Gold New Rules: There’s an important update for those investing in Sovereign Gold Bonds (SGBs). If you bought any series of SGBs between 2018-19 and 2021-22 and are looking to withdraw funds before maturity, the Reserve Bank of India has published the full premature redemption calendar from April 2026 to September 2026.

What’s the latest update from RBI?

On Monday, February 23, 2026, the Reserve Bank of India (RBI) unveiled a comprehensive redemption calendar for the period from April 2026 to September 2026. This calendar is intended for investors who have put their money into Sovereign Gold Bonds (SGBs) and want to redeem their investments prior to the complete 8-year maturity. As per government rules, premature redemption can occur five years after the bond is issued, and the RBI has established a specific timeframe for this.

How many series are eligible?

The Reserve Bank has indicated that a total of 33 tranches (series) are eligible for premature redemption in the fiscal year 2026-27. These series were issued between 2018-19 and 2021-22. Investors who wish to redeem their bonds before the scheduled maturity must submit their applications within the timeframe set by the RBI. Applications can be submitted through receiving offices, NSDL, CDSL, or RBI Retail Direct.

What is the process?

SGBs typically have a maturity period of 8 years, but after the fifth year, there is an option for premature exit available on each coupon payment date. The RBI offers a window for investors to apply before the due date. On the due date, the bond’s value is determined based on the average gold price from the preceding days, and the corresponding amount is credited to your bank account.

Dates may change due to holidays

The Reserve Bank has clarified that if a holiday is unexpectedly declared on a scheduled day, the dates may change. Therefore, investors should keep an eye on the official notification.

Would it be right to exit now?

This depends entirely on your investment goals. If gold prices are high and you need funds immediately, premature redemption may be an option. However, if you have a long-term view, waiting until maturity may also be beneficial. July and August 2026 have the most exit dates, so those with series falling in those months can plan ahead. Gold is considered a safe investment, but the right decision at the right time is the key to real returns.