Government Securities (G-Secs) and Treasury Bills (T-Bills) are worth considering when you want stability and predictable returns alongside your equity and mutual fund investments. Here is what makes them attractive.
Key benefits
- Sovereign safety — they are backed by the government, so credit risk is very low.
- Predictable returns — you know the return profile upfront: a fixed coupon for dated G-Secs and SDLs, or the discount-to-face-value gain for T-Bills.
- Low entry amount — you can start from ₹10,000.
- Choice of tenure — from short-term T-Bills (91 / 182 / 364 days) to long-term dated G-Secs and SDLs.
Do T-Bills help with margin?
Yes — a key benefit of T-Bills is that they carry a low haircut when pledged as collateral. A lower haircut means more of the security's value counts towards your available margin, so holding T-Bills can be an efficient way to keep low-risk collateral working for you. See How to pledge / unpledge shares on the Rupeezy app.