Open a demat account with a SEBI-registered broker or a bank that offers bond trading
Open a trading account if required by the platform
Complete KYC with PAN, Aadhaar, bank account, and address proof
Choose the type of government bond you want to buy
Check available government securities on the RBI Retail Direct portal
Register on the RBI Retail Direct platform
Link your bank account to the RBI Retail Direct account
Add funds to your linked bank account
Place a buy order for the selected government bond on the platform
Buy government bonds through stock exchanges using your broker’s bond section
Participate in primary auctions through eligible platforms if available
Review bond details such as coupon rate, maturity date, and price
Confirm the order and complete payment
Track holdings in your demat account or RBI Retail Direct account
Receive interest payments directly in your linked bank account
Hold the bond until maturity or sell it in the secondary market if permitted