Better than FD- Earn 6.25% returns! #unfinance #shorts

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Издатель Sep 9, 2022

Treasury Bills or commonly known as T-bills is a money market instrument.

It is a government issued security receipt and is a considerable option for investment as an alternative to FD.

T-bills have a maximum maturity period of 364 days and offer around 6.25% returns P.A.

T-bills are issued by the RBI on behalf of the government.

T-bills are issued at a discounted amount and redeemed at par value.

Treasury bills are issued at a discount to original value and the buyer gets the original value upon maturity.

For example, a Rs 100 treasury bill can be availed of at Rs 95, but the buyer is paid Rs 100 on the maturity date. The return on treasury bill depends on liquidity position in the economy.

There are four types of T-bills.

14 days maturity,
91 days maturity,
182 days maturity and
364 days maturity T-bills.

The rate of returns vary depending on the maturity period.

One can invest in T-bills for as low as Rs. 25,000. T-bills are risk free, liquid in nature and allows small or retail investors to participate in the investments too.

You can buy T-bills from various broking platforms like Zerodha where it facilitates the auctioning of T-bills every week.

No TDS is applicable on the T-bills and the returns are taxable under STCG as per the tax slab of the taxpayer.

T-bills is a better option, if you are looking for a liquid investment for your short term needs.

Do a thorough research before investing!

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