Where are you in the affair of FD? It is better to put money in T-Bill, it is very safe and the return is more.

By Sudhakar Yadav July 24, 2023 12:36 PM IST


There are four types of treasury bills.
Now anyone can invest in them.
T-Bills have given excellent returns.

New Delhi. Indians invest 60 lakh crore rupees every year. Of this, about 50 percent is invested in real estate. At the same time, 15 percent money is invested in gold and bank FD. The common man still prefers FD for investment. The biggest reason for this is the guarantee of returns and security of money. But, there is another safe option in the market which gives more interest than FD. This is the Treasury Bill (T-Bill) issued by the Reserve Bank of India. If you look at the past figures, you will find that T-Bills have given more than 70 percent more returns than FDs. T-Bills of 3 months and 12 months have given 6.7 percent return (T-Bills Return). At the same time, only 4.5 percent to 6 percent interest has been received on FD.

Earlier only banks or large financial institutions could invest in Treasury Bills (T-Bills). But, now retail investors can also take advantage of the attractive returns that come with the guarantee. Treasury bills are for tenors of 14 days, 91 days, 182 days and 364 days. T-Bills are issued at a discount from their original face value. Suppose the actual value of a 91 day T bill is Rs.100. If RBI issues it at Rs 97, then after 91 days the investor will get Rs 100 back on maturity. In this way the investor will get a profit of Rs.

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What is treasury bill?
The Reserve Bank of India issues treasury bills every week. The Government of India also needs money for the construction of basic infrastructure, so it also takes a loan. The government goes to the Reserve Bank of India to borrow money. RBI auctions this debt of the government in the form of bonds or treasury bills, which we can buy. The debt which the Government of India returns within 1 year is called Treasury Bill. Such a loan which the government wants to return after many years is called Bonds.

How much money will have to be spent?
You will have to invest at least one lakh rupees in treasury bills for 14 days. You can start investing in the remaining three types of treasury bills from Rs 25,000. On maturity, RBI withdraws the T-bill from the demat account of the investor. This is called extinction of security.

have to pay tax
There is no tax exemption on the earnings from T-Bill. The profit from T-Bill is considered as short term capital gain. Income tax is applicable on that according to the slab of the investor.

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