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The Sovereign Gold Bond (SGB) scheme was introduced by the Government of India in 2015 to encourage investors to participate in gold markets without the need for physical gold. These bonds are issued by the Reserve Bank of India (RBI) on behalf of the government. Here are some key features of SGBs: Interest Payment: One of the most significant benefits of investing in SGBs is the interest payment. The government offers a fixed annual interest rate on your SGB investment. This interest payment is divided into two parts and is paid every 6 months to the investor. Regardless of whether the cost of gold rises or falls, you are guaranteed to receive the interest1. Backed by Sovereign Guarantee: SGBs are backed by a sovereign guarantee, not only on the interest earned but also on the principal amount invested. Sovereign guarantee refers to the assurance provided by the Government of India that it will honor the payment of interest and the repayment of principal upon redemption or maturity

In the vibrant landscape of India's digital revolution, the National Payments Corporation of India (NPCI) stands tall as a pioneer, shaping the future of financial transactions. Central to its transformative journey is the Unified Payments Interface (UPI) technology, a game-changer in the realm of peer-to-peer payments. Let's embark on a journey to unravel the intricacies of NPCI, UPI, and the fascinating world of digital payments terminology. National Payments Corporation of India (NPCI): A Pillar of Digital India: Established in 2008, NPCI has been instrumental in architecting India's digital payments infrastructure. As a not-for-profit organization, its mandate extends to orchestrating seamless retail payments and settlement systems across the nation. Driving Financial Inclusion: NPCI's vision transcends boundaries, aiming to empower every Indian with access to secure and efficient payment solutions. Its initiatives, such as UPI and IMPS, have been pivotal in bridgin