In 2025, a Treasury Bill remains one of the safest, most liquid, and widely used short-term investment options in India. Backed by the Government of India and issued through the Reserve Bank of India (RBI), Treasury Bills come in 14-day, 91-day, 182-day, and 364-day maturities. They are issued at a discount (for example, ₹98) and redeemed at face value (₹100), giving assured and predictable returns. Investors ranging from individuals to institutions use Treasury Bills to park money temporarily, manage cash flows, and enjoy risk-free, tax-efficient, short-term earnings. With zero default risk, weekly auctions, and minimum purchase at ₹25,000, a Treasury Bill is a must-know investment tool for 2025.
What Is a Treasury Bill?
A Treasury Bill is a promissory note issued by the Government of India to raise short-term funds. Instead of paying regular interest, it is a zero-coupon security—meaning you buy it at a lower price and redeem it at full face value. The difference between the buying price and the redemption price is your earning.
Example: Buy at ₹98 → Redeem at ₹100 → Your return = ₹2.
Types of Treasury Bills in India
Currently, there are four types of Treasury Bills available:
- 14-day Treasury Bill – Ultra-short-term option.
- 91-day Treasury Bill – Popular for 3-month investments.
- 182-day Treasury Bill – Half-year safe parking of funds.
- 364-day Treasury Bill – Best for 1-year short-term fixed return.
Each Treasury Bill is issued at a discount and backed 100% by the Government of India, making them the safest debt instrument in the country.
Features of a Treasury Bill – Why You Must Know
- Issued at a discount and redeemed at par value.
- Minimum investment: ₹25,000 and multiples thereof.
- Risk-free because of government backing.
- Highly liquid – can be traded in secondary markets.
- Issued weekly through RBI auctions (competitive & non-competitive bidding).
- Returns depend on the yield decided during auctions.
Who Can Invest in Treasury Bills?
Treasury Bills are open for:
- Individuals (like you and me).
- Companies.
- Banks & Financial Institutions.
- Trusts.
- State Governments and Central Government entities.
For retail investors, a Treasury Bill is the best low-risk short-term option, especially for parking surplus money safely.
Why Choose a Treasury Bill Over Other Investments?
- Zero default risk (Government-backed).
- Better liquidity compared to fixed deposits.
- Flexibility with 14 to 364-day tenors.
- Auction-based returns that align with market interest rates.
- No TDS on redemption (though taxable as per your income slab).
If you are wondering whether to include Treasury Bills in your portfolio, the answer is YES if you want safety + liquidity + assured returns.
How to Buy Treasury Bills in India?
- Through RBI auctions (online or via your bank/broker).
- Available in primary market auctions every week.
- Can also be purchased in the secondary market anytime.
- Simple online process via demat account and trading platforms.
At Capital Gurukul, we not only help you open your demat account but also guide you step by step on investing in Treasury Bills and other advanced financial instruments.
Must Know About Treasury Bills in 2025
- A Treasury Bill does not pay periodic interest (zero-coupon nature).
- Returns depend on the discount yield.
- Safer than corporate bonds or stocks, but usually offers lower returns.
- Perfect for short-term conservative investors.
- A must-try tool for smart cash management in 2025.
Capital Gurukul Advantage – Learn, Earn, and Grow
At Capital Gurukul, we do much more than just teaching you about Treasury Bills.
✅ We provide end-to-end financial services.
✅ We train you in finance, investments, and trading.
✅ We give you the opportunity to become a sub-broker and start your own business.
✅ We help you avoid losses by choosing the right asset allocation.
If you are still thinking, remember this:
👉 People who delay learning about Treasury Bills and modern financial instruments end up parking their money in low-return savings accounts—losing both time and potential earnings.
Final Call – Don’t Miss Out
Treasury Bills are a must-know investment in 2025. Safe, liquid, and government-backed, they should be a part of every smart investor’s strategy.
And if you’re serious about learning finance, earning more, and setting up a side business as a sub-broker, Capital Gurukul is your trusted partner.