{"id":213,"date":"2019-09-19T11:37:42","date_gmt":"2019-09-19T11:37:42","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=213"},"modified":"2026-04-01T10:41:29","modified_gmt":"2026-04-01T10:41:29","slug":"taxation-on-gains-from-bond-investments","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/taxation-on-gains-from-bond-investments\/","title":{"rendered":"Taxation on Gains from Bond Investment in India"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">The bond investors check many parameters while investing in <a href=\"https:\/\/goldenpi.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">bonds<\/a>, such as a coupon, frequency of coupon payments, maturity, and yield. Did we miss anything?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Yes, the equally important factor to be considered in bond investment is \u201c<strong>Taxation on gains from bond investment<\/strong>.\u201d Let\u2019s discuss and understand- Taxation on gains from bond investments.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/taxation-on-gains-from-bond-investments\/#Before_we_get_into_further_details_lets_look_at_a_few_fundamental_points\" >Before we get into further details, let\u2019s look at a few fundamental points.\u00a0<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/taxation-on-gains-from-bond-investments\/#Taxation_of_bonds_in_India_can_be_explained_in_four_sections\" >Taxation of bonds in India can be explained in four sections.\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/taxation-on-gains-from-bond-investments\/#Regular_Taxation_Of_Bonds_in_India\" >Regular Taxation Of Bonds in India\u00a0<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/taxation-on-gains-from-bond-investments\/#Bond_Investment_Process_for_HNI_Indian_Investors\" >Bond Investment Process for HNI Indian Investors<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/taxation-on-gains-from-bond-investments\/#Tax-Free_Bonds\" >Tax-Free Bonds\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/taxation-on-gains-from-bond-investments\/#Tax_Saving_Bonds\" >Tax Saving Bonds\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/taxation-on-gains-from-bond-investments\/#Zero-Coupon_Bonds\" >Zero-Coupon Bonds\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/taxation-on-gains-from-bond-investments\/#Explore_the_collection_of_Tax-Free_Bonds\" >Explore the collection of Tax-Free Bonds\u00a0<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h4><span class=\"ez-toc-section\" id=\"Before_we_get_into_further_details_lets_look_at_a_few_fundamental_points\"><\/span><strong>Before we get into further details, let\u2019s look at a few fundamental points.\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The <strong>slab system<\/strong> defines the tax rate applicable to individuals considering age and income. Individuals can be resident or non-resident or HUF or Association of Person or Body of Individual or any other artificial juridical person. The applicable tax rate is called the slab rate. To know your slab rate, you can refer to the notice served by <\/span><span style=\"font-weight: 400;\">the <a href=\"https:\/\/incometaxindia.gov.in\/Pages\/default.aspx\" target=\"_blank\" rel=\"noopener noreferrer\">Income Tax Department<\/a>.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>TDS of 10%<\/strong> will be\u00a0applicable on interest received from bonds and debentures.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Bonds provide coupon payments and return principal amount on maturity. Firstly the <strong>coupon payments<\/strong> are the gains from <a href=\"https:\/\/goldenpi.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">bond investment<\/a>; hence they are taxable. Secondly, you may sell bonds in the secondary market before maturity, or you may hold bonds till maturity. In either of the cases, if there is <strong>capital gain<\/strong>, then the gains are taxable.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The bonds listed on the <strong>National Stock Exchange<\/strong> are Listed Bonds, and bonds that are not listed on the National Stock Exchange are called Unlisted Bonds.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Short Term Capital Gain Tax is applicable if you sell listed bonds before 12 months(it is 36 months in the case of unlisted bonds).<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Long Term Capital Gain Tax is applicable if you hold listed bonds for more than 12 months or hold unlisted bonds for more than 36 months. Refer to the table below.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Taxation_of_bonds_in_India_can_be_explained_in_four_sections\"><\/span><strong>Taxation of bonds in India can be explained in four sections.\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Section 1: Regular Taxable Bonds\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Section 2: Tax-Free Bonds\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Section 3: Tax Saving Bonds\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Section 4: Zero-Coupon Bonds\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Regular_Taxation_Of_Bonds_in_India\"><\/span><b>Regular Taxation Of Bonds in India\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The interest earned from<\/span><a href=\"https:\/\/goldenpi.com\/\"> <span style=\"font-weight: 400;\">Bonds<\/span><\/a><span style=\"font-weight: 400;\"> is taxed as per marginal slab rate, and the <\/span><b>maximum slab rate is 30 %<\/b><span style=\"font-weight: 400;\">. Appreciation of the bond price is considered as capital gain and taxed accordingly. If these bonds are held for the long term ( more than 12 months for listed bonds and more than <\/span><span style=\"font-weight: 400;\">24 <\/span><span style=\"font-weight: 400;\">months for unlisted bonds), the <\/span><b>capital gain tax will be <\/b><b>12.5%<\/b><span style=\"font-weight: 400;\">.<\/span> <b>Short-term capital gain tax <\/b><b>will be as per slab rates<\/b><b>.<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<div><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/11\/03112940\/Taxation-on-Gains-from-Bond-Investment-in-India.gif\" alt=\"Taxation on Gains from Bond Investment in India\" \/><\/div>\n<p>&nbsp;<\/p>\n<p><i><span style=\"font-weight: 400;\">Example:\u00a0<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">Mr. Ramesh is a senior citizen aged 65 <\/span><\/i><span style=\"font-weight: 400;\">\ud83d\udc74.<\/span><i><span style=\"font-weight: 400;\"> He has invested Rs. 10 lakh in listed bonds. The coupon rate, i.e., interest rate, is 10% paid annually. His annual income is 9 lakh. So, he comes under the 20% slab rate.\u00a0<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">Investment amount &#8211; 10,00,000\u00a0<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">Coupon rate -10%<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">Annual Interest income &#8211; 1,00,000\u00a0<\/span><\/i><\/p>\n<p><b><i>Tax on interest income:<\/i><\/b><i><span style=\"font-weight: 400;\">\u00a0<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">Tax &#8211; 20%X 1,00,000\u00a0<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">Tax- 20,000<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">Ramesh has to pay Rs. 20,000 tax on interest income every year till maturity or till he resells bonds.\u00a0<\/span><\/i><\/p>\n<p><b><i>STCG:<\/i><\/b><\/p>\n<p><i><span style=\"font-weight: 400;\">After 10 months, if he sells bonds for Rs.10,50,000, then the capital appreciation is\u00a0 Rs.50,000<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">Tax- 20% X 50,000<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">Tax &#8211; 10,000<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">Ramesh has to pay Rs.10,000 as Short Term Capital Gain Tax.\u00a0<\/span><\/i><\/p>\n<p><b><i>LTCG:\u00a0<\/i><\/b><\/p>\n<p><i><span style=\"font-weight: 400;\">After three years, if he sells bonds for Rs. 13,00,000, then the capital appreciation is Rs. 3, 00, 000.\u00a0<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">Tax &#8211; 10% X 3,00,000<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">Tax- 30,000<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">Ramesh has to pay Rs. 30,000 as Long term Capital Gain Tax.\u00a0<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">The income should be listed under the \u2018income from other sources\u2019 section in your income tax forms. Form-16 is issued by employers every year. Here you can see a<\/span><a href=\"https:\/\/www.incometaxindia.gov.in\/Forms\/Income-Tax%20Rules\/103120000000007849.pdf\"><span style=\"font-weight: 400;\"> sample of Form- 16.<\/span><\/a><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n<h4 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Bond_Investment_Process_for_HNI_Indian_Investors\"><\/span><a href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/investment-process\/bond-investment-process-for-hni-indian-investors\"><span style=\"font-weight: 400;\">Bond Investment Process for HNI Indian Investors<\/span><\/a><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<hr \/>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Tax-Free_Bonds\"><\/span><strong>Tax-Free Bonds\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">In the case of <a href=\"https:\/\/goldenpi.com\/blog\/essentials\/what-are-tax-free-bonds\/\" target=\"_blank\" rel=\"noopener noreferrer\">Tax\u00a0 free bonds<\/a>,\u00a0 the interest earned from bonds is not taxed, but price appreciation of the bonds during maturity (or sale)<\/span><span style=\"font-weight: 400;\">\u00a0is considered as capital appreciation. Hence capital gain taxes are applicable. Considering the holding period, either LTCG or STCG, will be applicable.\u00a0\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Tax_Saving_Bonds\"><\/span><strong>Tax Saving Bonds\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">54EC Bonds are <strong>Capital Gain Tax Exemption Bonds<\/strong> that provide100% tax exemption on the <a href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/are-capital-gain-bonds-helpful\/\" target=\"_blank\" rel=\"noopener noreferrer\">long term capital gain<\/a> earned by selling any property. These <a href=\"https:\/\/goldenpi.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">bonds<\/a> are the best options to save tax after the property sale. But conditions apply, such as the time gap between property sale and <a href=\"https:\/\/goldenpi.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">bond investment<\/a> can not exceed six months. Also, the investment limit in 54EC Bonds is 50 lakhs.54 EC Bonds do not provide any exemption on short term capital gains.<\/span><\/p>\n<h1><\/h1>\n<h2><span class=\"ez-toc-section\" id=\"Zero-Coupon_Bonds\"><\/span><strong>Zero-Coupon Bonds\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><strong>Zero-coupon bonds<\/strong> do not pay interest, but they are sold at a discount and return full face value on redemption.\u00a0 Investors of <a href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/types-of-government-bonds\/\" target=\"_blank\" rel=\"noopener noreferrer\">Zero-Coupon Bonds<\/a> are subjected to capital gains tax only. Price appreciation during the sale or maturity is considered as capital gain and taxed accordingly.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><i><span style=\"font-weight: 400;\">Note:<\/span><\/i><\/p>\n<ul>\n<li><i>\u00a0Inclusion of accrued interest should not be missed while selling the bonds in the secondary market. During the calculation of capital gain tax, the inclusion of accrued interest reduces the capital gains hence can save capital gain tax.<\/i><\/li>\n<li style=\"font-weight: 400;\"><i><span style=\"font-weight: 400;\">Indexation benefits can be availed only in the case of inflation-indexed bonds or capital indexed bonds.\u00a0<\/span><\/i><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"><strong>Taxation<\/strong> is always a complicated process. Bond investments do provide options to save tax. It is still good to seek advice from <a href=\"https:\/\/goldenpi.com\/contact-us\">Tax Consultant<\/a> before investing in <a href=\"https:\/\/goldenpi.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">bonds and debentures<\/a>.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Explore_the_collection_of_Tax-Free_Bonds\"><\/span><a href=\"https:\/\/goldenpi.com\/collections\/tax-free-bonds\"><span style=\"font-weight: 400;\">Explore the collection of Tax-Free Bonds\u00a0<\/span><\/a><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Disclaimer:<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">This information is for general information purposes only. GoldenPi makes no guarantee on the accuracy of the data provided here; the information displayed is subject to change and is provided on an as-is basis. Nothing contained herein is intended to or shall be deemed to be investment advice, implied or otherwise. Investments in the securities market are subject to market risks. Read all the offer-related documents carefully before investing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bonds or non-convertible debentures (NCDs) are regulated by the Securities and Exchange Board of India and other government authorities. GoldenPi Securities Private Limited is a registered debt broker and acts as a distributor and not as a manufacturer of the product.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The bond investors check many parameters while investing in bonds, such as a coupon, frequency of coupon payments, maturity, and yield. Did&hellip;<\/p>\n","protected":false},"author":4,"featured_media":12462,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[24],"tags":[33,36,82],"class_list":["post-213","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bond-market","tag-personal-finance","tag-taxation","tag-tax-on-bond-gains"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Taxation on Gains from Bond Investment in India - GoldenPi | Blogs<\/title>\n<meta name=\"description\" content=\"Learn about tax on bonds with GoldenPi. 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