The document summarizes the Retail Direct scheme introduced by the Reserve Bank of India. The scheme allows individual investors to buy and sell government bonds online through a dedicated Retail Direct Gilt (RDG) account. To open an RDG account, an individual needs a valid KYC document, email, mobile number, Indian bank account and PAN number. Investors can register on the online portal, verify their identity, and access their RDG account to buy and sell bonds in the primary and secondary markets. There are no fees for opening or maintaining the RDG account.