Tax on Bonds, SGBs, REITs & InvITs
Interest, distributions and capital gains on fixed-income and trust units
- 1CollectStatements gathered.
- 2ClassifyEach component mapped to its head.
- 3ReportFiled in the right schedules.
Share your details. We’ll reply on WhatsApp with the next steps and a checklist.
Pick a plan — the fee is adjusted if you hire us within 30 days.
About Tax on Bonds, SGBs, REITs & InvITs
A clear overview, in simple terms — what it is, why it matters, and how we handle it.
Interest on bonds is taxed at slab rates. Sovereign gold bonds pay 2.5% interest that is taxable, but redemption by an individual at maturity is exempt from capital gains; selling SGBs on the exchange gives capital gains (12.5% if held over 12 months). Listed bonds held over 12 months are taxed at 12.5%; unlisted bonds and debentures are taxed at slab rates. REIT and InvIT distributions are taxed according to their component — interest, dividend, rent or capital repayment.
Each REIT or InvIT distribution statement splits payouts into interest, dividend, rental income and repayment of capital, and each has different tax treatment. Dividends may be exempt depending on the trust's SPV tax regime, while repayment of capital can reduce cost or be taxed.
We read the distribution breakups and gain statements and report each component correctly.
| Bond interest | Slab rates |
|---|---|
| SGB maturity redemption | Exempt for individuals |
| Listed bonds/SGB sale | 12.5% if held over 12 months |
| Unlisted bonds | Slab rates |
| REIT/InvIT units | Listed — 12 months for long-term |
Who this is for
Common scenarios where this service is a good fit.
- Fixed-income and gold investors
- REIT and InvIT unitholders
- Retirees with bond portfolios
What you get
Clear deliverables so you know exactly what's included.
- Interest and distribution analysis
- Capital gains computation
- ITR reporting
Expert review before every submission — not just data entry.
Working notes and reconciliations you can rely on in future notices.
Resident Indians, NRIs, expats and cross-border businesses — all served.
Documents required
A practical checklist. We'll tell you if anything else is needed based on your case.
* This is a base checklist. After a quick pre-check, we may ask for additional items specific to your case.
Process
A simple, trackable workflow — designed to avoid back-and-forth.
Statements gathered.
Each component mapped to its head.
Filed in the right schedules.
Get a quote
We share a clear quote on WhatsApp after a quick checklist pre-check.
- Fixed quote on WhatsApp after a short look at your facts and documents.
- Government fees, if any, are paid at actuals and shown separately.
| Factor | DIY | Indus Tax |
|---|---|---|
| Expert review | ❌ | ✅ |
| Notice risk reduction | ❌ | ✅ |
| Deduction optimisation | ❌ | ✅ |
| Audit-ready records | ❌ | ✅ |
| AIS/26AS reconciliation | ❌ | ✅ |
Share your facts and deadline. We'll reply with the right checklist and a clear quote.
Fee adjusted against our service fee if you go ahead within 30 days.
- Priority CA Call-backSkip the queue — a CA calls you within 30 minutes.₹255
- RecommendedCA Consultation (30 min)Talk one matter through properly with a CA.₹755
- In-depth CA Review (60 min)Documents reviewed before the call, written action plan after.₹1,155
Call-backs run Mon–Sat, 9 AM–6 PM IST. Booked outside these hours? We call you first thing the next working morning.
Compare the 3 plansFrequently asked questions
Answers to the most common questions we get.
Official sources
Indus Tax is a private professional services firm and is not affiliated with any government authority. Rules and fees change — we confirm current positions before filing.
