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7. Government & Sovereign Bonds

Treasury Bills (T-Bills)

Treasury Bills

Short-term sovereign instruments (91/182/364-day) issued at a discount to face value.

Risk Level
Low ★★☆☆☆
Liquidity
🟢 High
Min Investment
₹10,000
Ticket Size
₹1 (RBI Retail Direct)
Ideal Horizon
1–30 years
Region
Global

📈 Historical Returns (Indicative)

1 Year
6.8–7.5%
3 Years
7–7.5%
5 Years
7–7.5%
10 Years
7–7.5%
20 Years
7–7.5%

⚠️ Indicative historical ranges only. Past performance does not guarantee future results. Returns vary significantly across individual instruments.

🧮 XIRR Calculator — Treasury Bills (T-Bills)

Enter your actual investment dates and amounts to calculate your personal annualised return (XIRR). Use negative values for money invested, positive for money received back.

✅ Pros & ❌ Cons

Advantages

  • ✅ Low risk — capital largely protected
  • ✅ High liquidity — can exit anytime during market hours
  • ✅ Predictable income stream
  • ✅ Capital preservation

Disadvantages

  • ❌ Returns may not beat inflation
  • ❌ Interest rate risk for long-duration bonds

🚀 How to Invest in Treasury Bills (T-Bills)

  1. Research and compare options on Applica Finance
  2. Open appropriate account (Demat, bank, or platform account)
  3. Complete KYC with PAN and Aadhaar
  4. Start with minimum investment; scale up gradually

💰 Tax Treatment (India)

Gains taxed as per applicable income tax slab or capital gains rules
Consult a tax advisor for your specific situation
Disclaimer: This page is for educational purposes only and does not constitute financial advice. Returns shown are indicative historical ranges and not guaranteed. Consult a SEBI-registered investment advisor before investing.
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