How-to SGB Sovereign Gold Bond certificate of holding CDSL Console

SGB certificate of holding

From WebNotes, a public knowledge base. Last updated 1 July 2026. Reading time ~9 min.

Key facts

What it is	The RBI-recognised record of your SGB allotment; for demat-held bonds it is the depository Statement of Holdings, not a separate paper certificate
Where (Zerodha demat holder)	Console Holdings, or the CDSL Statement of Holdings via CDSL Easi, per Zerodha support
Where (bank or RBI Retail Direct holder)	The issuing bank or the RBI Retail Direct portal; RBI-issued certificates may also appear in DigiLocker
When issued	For a primary allotment, after the units are credited (within about 15 days of the issue closing)
Cost	Free from Console and CDSL Easi
Format	PDF statement showing ISIN, holder name, units in grams, issue and maturity dates

Procedure

Confirm where your SGB is heldEstablish whether the bond sits in your Zerodha CDSL demat account, or was bought through a bank or the RBI Retail Direct portal. The source of the certificate differs by holding mode.
Open Console Holdings to view the SGBLog in to Zerodha Console and open Portfolio, then Holdings. The SGB series appears with its ISIN and quantity in grams, confirming the demat record before you pull a statement.
Download the Statement of Holdings from ConsoleThe certificate of holding for a demat SGB is the Statement of Holdings (SOH). Open it from Console’s statement section, or use the holding statement Zerodha emails to your registered address at the end of each month.
Pull the statement directly from CDSL EasiRegister on the CDSL Easi portal with your 16-digit demat BO ID, then log in to download the Statement of Holdings straight from the depository. This is the depository-issued record of the same bonds.
Raise a Zerodha ticket for a specific-date statementIf you need the holding as on a particular date, for tax filing or a redemption application, raise a support ticket on Console. Zerodha can provide the Statement of Holdings for the date you specify.
For a bank or RBI Retail Direct purchase, use the issuerIf you bought the SGB through a bank or the RBI Retail Direct portal rather than a broker demat account, obtain the certificate from that issuing bank or the RBI Retail Direct login. An RBI-issued certificate may also be available in DigiLocker.
Verify the details on the statementCheck that the ISIN matches the series you hold, the holder name and units in grams are correct, and the issue and maturity dates are present. Report any mismatch to Zerodha or the depository before relying on the document.

The SGB certificate of holding is the record that confirms your Sovereign Gold Bond allotment. For a bond held in a Zerodha CDSL demat account , that record is the depository Statement of Holdings, not a separate paper certificate. This guide sets out what the certificate is, when it is issued, and the exact route a demat holder takes to obtain it, along with the different route for a bond bought through a bank or the RBI Retail Direct portal.

The distinction matters because investors expect a stamped paper document and go looking for one that, for demat-mode holdings, does not exist. When the Reserve Bank of India allots an SGB into a demat account, the bonds live as dematerialised units at the depository, and the Statement of Holdings from CDSL is the authoritative proof. Zerodha support treats that statement as the certificate of holding for SGBs held with it.

For the SGB scheme itself see Sovereign Gold Bonds and Sovereign Gold Bonds on Zerodha . For buying, see how to buy an SGB on the secondary market via Kite ; for the current halt in fresh issuance, see why fresh SGB buying is blocked on Kite .

Conflict-of-interest disclosure. This guide is published by the WebNotes Editorial Team for informational purposes and is written independently. WebNotes operates a Zerodha account-opening referral programme, disclosed on the pages that carry the referral link; this guide does not carry it and earns no referral commission from the procedure described here.

What the certificate of holding is

The certificate of holding is the RBI-recognised confirmation that a specific quantity of SGB, in grams of gold, stands in your name for a given series. It identifies the holder, the ISIN of the tranche, the quantity in grams, the issue price, the issue date, the maturity date, and the coupon dates.

How that record physically reaches you depends on how the bond is held. Two modes cover almost all retail investors.

Holding mode	Certificate of holding takes the form of
Demat with a broker (Zerodha via CDSL)	The depository Statement of Holdings from CDSL, viewed in Console or CDSL Easi
Bank net-banking or RBI Retail Direct	A certificate from the issuing bank or the RBI Retail Direct portal, and potentially DigiLocker

For the Zerodha investor the answer is the first row. Zerodha support directs SGB holders to the Statement of Holdings as the certificate, accessed through Console Holdings or the CDSL Easi portal. There is no separate paper certificate to chase for a demat-mode holding.

When the certificate is issued

The record exists once the bonds are in your demat account, not when you place the order.

For a primary allotment during a live RBI tranche, the RBI credited the SGB units to the demat account within about 15 days of the issue closing, and the Statement of Holdings reflected them from that point; the units could take up to a further 15 days to display in Kite holdings after listing, per Zerodha support. For a secondary-market purchase on Kite, the bonds are delivered to demat and shown in holdings on T+2, and the Statement of Holdings reflects them once delivered. The primary path is currently dormant because the RBI has issued no new tranche since the February 2024 series, so most holdings today were bought on the secondary market or allotted in earlier tranches.

Obtaining it as a Zerodha demat holder

The procedure infobox above lists the steps in order. The three practical routes below each produce the Statement of Holdings that serves as your certificate.

Console Holdings and the monthly statement

Log in to Zerodha Console and open Portfolio, then Holdings. The SGB series appears with its ISIN and quantity. From Console’s statement section you can generate the Statement of Holdings on demand. Separately, Zerodha emails a holding statement to your registered address at the end of every month, which already reflects your SGB units alongside the rest of the demat portfolio, so a recent certificate often sits in your inbox without any request.

CDSL Easi, straight from the depository

Because the bonds are held at CDSL, you can pull the Statement of Holdings from the depository itself. Register on the CDSL Easi portal using your 16-digit demat BO ID, complete the one-time verification, then log in and download the Statement of Holdings. This is the depository-issued view of the same bonds and carries the same weight as proof. The Consolidated Account Statement sent by CDSL and NSDL also lists SGB holdings across your demat accounts.

A specific-date statement via a support ticket

Tax filing or a redemption application sometimes needs the holding as on a particular date. Raise a support ticket on Console specifying the date, and Zerodha can provide the Statement of Holdings as on that day. Use this when a month-end statement does not match the date a form asks for.

The route for a bank or RBI Retail Direct purchase

Not every SGB sits in a broker demat account. An investor who subscribed through a bank’s net-banking channel, or who holds through the RBI Retail Direct portal, obtains the certificate from that issuer rather than from a depository statement.

For a bank purchase, the receiving bank issues or reissues the certificate of holding, and for many applicants the RBI-issued certificate is also available through DigiLocker. For an RBI Retail Direct holding, the holding is visible in the Retail Direct login. WebNotes does not restate a click-by-click path for these issuer portals here, because the exact steps vary by bank and are set by the issuer rather than published as a single official flow; obtain the document from the bank or RBI Retail Direct portal through which you hold the bond. If you later move a bank-held SGB into your Zerodha demat account, the Statement of Holdings then becomes the record, the same as any other demat SGB.

When you need the certificate

The Statement of Holdings earns its keep at a few specific moments. It is proof of holding for income-tax filing, where you may need to show the SGB units and the taxable 2.5% coupon. It supports a nominee or transmission claim, where the holding as on the date of death must be established. And it is a useful personal record before a redemption, although a demat SGB redemption on Console verifies the holding from the demat record itself rather than from an uploaded certificate; see SGB premature redemption window , redeem an SGB early on Console , and how to redeem an SGB at maturity .

Frequently asked questions

Is there a separate paper SGB certificate if I hold in demat?

No. For bonds held in your Zerodha CDSL demat account, the certificate of holding is the depository Statement of Holdings. Zerodha support treats the SOH as the record of your SGB; there is no separate physical certificate for demat-mode holdings.

Where do I download the SGB certificate of holding on Zerodha?

Open Zerodha Console, view the SGB under Portfolio then Holdings, and download the Statement of Holdings. You can also pull the same statement directly from the depository through the CDSL Easi portal, or raise a Console support ticket for a specific date.

When is the SGB certificate of holding issued?

For a primary allotment it exists once the units are credited to your demat account, which the RBI does within about 15 days of the issue closing. For a secondary-market buy, the holding shows up after the bonds are delivered to demat on T+2.

I bought my SGB through a bank, not a broker. Where is my certificate?

For a bank or RBI Retail Direct purchase the certificate comes from the issuing bank or the RBI Retail Direct portal rather than a depository statement. An RBI-issued certificate of holding may also be available through DigiLocker for eligible applicants.

Do I need the certificate of holding for premature redemption?

You do not upload a paper certificate for a demat SGB redemption on Console; the holding is verified from your demat record. The Statement of Holdings is still useful as your own proof and for tax filing. See the premature redemption window guide for the process.

Does Zerodha send SGB holding statements automatically?

Yes. Zerodha emails a holding statement to your registered address at the end of every month, which reflects your SGB units alongside other demat holdings. For an on-demand or specific-date statement, use Console or CDSL Easi.

External references

References

Zerodha support, “Where can I obtain the certificate of holding for SGBs?” (Statement of Holdings from CDSL as the certificate; Console Holdings and CDSL Easi routes; monthly emailed holding statement; support ticket for a specific date) (as of 1 July 2026).
Zerodha support, “What are Sovereign Gold Bonds (SGBs)?” (primary units credited within about 15 days of issue closing; secondary-market units shown in holdings on T+2) (as of 1 July 2026).
Reserve Bank of India, Sovereign Gold Bond Scheme, Procedural Guidelines for servicing the bonds (certificate of holding and demat-mode records), rbi.org.in.

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WebNotes Editorial Team

The WebNotes Editorial Team covers Indian capital markets, payments infrastructure and retail investor procedures. Every article is fact-checked against primary sources, principally SEBI circulars and master directions, NPCI specifications and the official support documentation published by the intermediary in question. Drafts go through a second-pair-of-eyes review and a separate compliance read before publication, and revisions are tracked against the SEBI and NPCI rule changes referenced in the methodology section.

Last reviewed: 1 July 2026
Conflicts of interest: WebNotes is independent. No relationship with any broker, registrar or bank named in this article.