Treasury Bills via RBI Retail Direct: The Govt FD Alternative

T-bills are zero-coupon government IOUs in 91, 182 and 364-day tenures, with zero credit risk

RBI Retail Direct lets you buy them for a ₹10,000 minimum with no account or platform fees

Yields have hovered near 6.5–7%, often edging out small-bank FD rates with full sovereign backing

There's no TDS at redemption, but gains are taxed at your slab — so high earners gain less

You can now run a T-bill SIP and build a rolling ladder for near-FD liquidity

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