Dear Customers,

XYZ bank is happy to introduce our new Sovereign Gold Bond Scheme (SGB) in this Diwali season which
provides an opportunity of hassle free gold investment. Investing in gold is much more easy and
convenient now. With the Sovereign Gold Bonds Scheme you can earn an assured interest rate
eliminating risk and cost of storage.

A. Sovereign Gold Bond Benefits

Hassle free: Ownership of gold without any physical possession (No risks and no cost of storage)

Tax treatment: The capital gains tax arising on redemption of SGB to an individual has been exempted.
The indexation benefits will be provided to long term capital gains arising to any person on transfer of
bond.

Tradability: Bonds will be tradable on stock exchanges within a fortnight of the issuance on a date as
notified by the RBI.

Transferability: The bonds can be gifted as per the eligible criteria.

B. Sovereign Gold Bond Features

Eligibility: The bonds will be restricted for sale to resident Indian entities including individuals, HUFs,
Trusts, Universities and Charitable institutions. For online application through XYZ Bank, the bonds are
for sale to only ‘individuals’ through the Internet Banking Channel. Customers falling into other category
of investors may however approach the branch and fill-up the application form to apply for the tranche.

Denomination: The bonds will be denominated in units of one gram of gold and multiples thereof.

Minimum size: Minimum permissible investment will be 1 gram of gold.

Maximum limit: Maximum limit of subscription shall be of 4 kg for individuals, 4 kg for Hindu Undivided
Family (HUF) and 20 kg for trusts and similar entities notified by the government from time to time

Interest rate: The investors will be paid Interest on the amount of initial investment at the rate notified
by RBI for a particular tranche at the time of its launch and is payable semi-annually.

Tenor: The tenor of the bond will be for a period of 8 years with an exit option from 5th year onwards to
be exercised on the interest payment dates.
 C. Documentation

 Application (including KYC)

 Acknowledgement Receipt
 Holding Certificate
 Nomination
 Transfer

Grab this opportunity and increase your assured wealth in this Diwali.