Retail investors first have to get themselves registered on the RBI Retail platform. Once registered, they can move ahead with the application for opening a retail direct gilt account (RDG). You will then have to complete the KYC process by furnishing PAN, contact information, and bank details. Once the information provided is validated, an RDG account will be opened in the name of the investor. All details required to participate in primary auctions and trading in the secondary market will be provided via email. Retail investors also have to fill in nomination details at the time of opening the RDG account.