What are Treasury Bills? The government has released the auction calendar
Treasury Bills: If you are looking for a safe investment and want your money to earn high interest in a short period, then Treasury Bills (T-Bills) could be an excellent option for you. The Ministry of Finance has recently released the auction calendar for Treasury Bills from January to March 2026. During this period, the government plans to raise a total of ₹3.84 lakh crore.
What are Treasury Bills? Treasury Bills are short-term debt instruments issued by the Government of India. They are issued for tenors of 91 days, 182 days, and 364 days. This means they are investment options with a maturity of less than one year. Since they are issued by the government, they are considered extremely safe.
Why is it better than an FD?
– Fixed deposits (FDs) offer fixed interest rates and typically require investment for longer periods.
– Treasury bills, on the other hand, can provide higher returns than FDs over shorter periods.
– In FDs, interest is paid annually or quarterly, while T-bills are sold at a discount and the full face value is received upon maturity. This difference is what gives investors a greater advantage.
How to invest?
– To invest in Treasury Bills, you can participate in the RBI’s auction process.
– You will need to apply through your bank or an authorized stockbroker.
– The auction will begin on January 7, 2026, and the process will continue until March 26, 2026.
– Small investors can also participate as the minimum investment amount is not very high.
Who is this a good option for?
– Those who want to invest with low risk.
– Those who want better returns in the short term.
– And those who are looking for government-guaranteed alternatives to traditional schemes like Fixed Deposits (FDs).
Fixed Deposits have long been the preferred choice for Indian investors, but now Treasury Bills are emerging as a new and secure alternative. Government guarantee, short duration, and higher returns make them particularly attractive. The auctions in the coming months could prove to be a golden opportunity for investors.
