Press Releases Details
SIPs in T-bills to aid more retail participation
- 08 Aug 2025
- JM Financial Services
Retail investors can now invest in T-bills via SIPs on the RBI Retail Direct platform. With better returns than FDs and improved convenience, the move aims to boost retail participation in government securities. Experts say ease of use will be key to its success.
Investments in T-bills were Rs 4,748.51 crore on August 4 compared to Rs 3,457.63 a year ago – a rise of 37%.
The almost 5-lakh strong retail investors in G-secs are all set to get a new option – the systematic investment plan (SIP) route to participate in the government bond market. Experts believe that this move can also bring better traction towards the government securities market, provided the operational part is easy.
T-bills gaining momentum as short-term investment tools
Treasury bills are short-term government securities with tenure up to one year, which are available at a discount price and redeemed at face value. It offers investors efficient cash management with greater returns compared to bank deposits, according to experts.
Data shows that treasury bills constitute 68% of the primary market subscriptions as of August 4. Investments in T-bills were Rs 4,748.51 crore on August 4 compared to Rs 3,457.63 a year ago – a rise of 37%. The number stood at Rs 1,679.37 crore in 2023.