RBI Floating Rate Bonds at 8.05%: The Quiet Fixed-Income Winner

RBI Floating Rate Savings Bonds pay 8.05% for Jan–Jun 2026 — among the safest high yields going.

Rate = NSC rate (7.70%) + 0.35% spread, reset every 1 Jan and 1 July, so payouts can move.

7-year lock-in, interest paid only half-yearly (no cumulative option), and fully taxable at your slab.

Premature exit allowed only for seniors (60+) after 4–6 years; everyone else is locked in.

Buy free via RBI Retail Direct or major banks; no upper investment limit.

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