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Government Securities & G-Secs

Everything about Indian government securities — G-Secs, T-bills, SDLs, yields and how to buy them directly using RBI Retail Direct.

What is a Zero Coupon Government Bond? A zero-coupon government bond is a type of G-Sec in India that does not pay regular interest. Instead, you buy it at a discounted … 5 min read
How to Identify If a Bond Is a G-Sec or an SDL Identify a G-Sec or SDL by checking the issuer name, the ISIN format, and the security symbol. G-Secs are central government bonds… 5 min read
Best Types of G-Secs for Conservative Investors in India G-Secs are debt instruments issued by the Indian government, offering high safety and predictable returns for conservative investo… 5 min read
If I Hold ₹5 Lakh in T-Bills for One Year, How Much Do I Earn? If you hold 5 lakh rupees in 364-day T-bills with a 7% yield, you would earn approximately 34,904 rupees. This income comes from b… 5 min read
How Much Does the RBI Borrow Through G-Secs Every Year? For the fiscal year 2024-25, the Government of India plans to borrow 14.13 lakh crore primarily through Government Securities (G-S… 5 min read
Documents Required to Start Investing in Government Securities To start investing in Government Securities (G-Secs) in India, you primarily need your PAN and Aadhaar cards, an active bank accou… 5 min read
Why is the 10-Year G-Sec Yield the Most Important Rate in India? The 10-Year G-Sec Yield is the most important rate in India because it acts as the benchmark for almost all other long-term intere… 5 min read
What is Modified Duration of a G-Sec? Modified Duration tells you how much a G-Sec's price will likely change if interest rates move by 1%. It is a measure of a governm… 5 min read
What is G-Sec Yield Spread Over Inflation? The G-Sec yield spread over inflation is the difference between the interest rate (yield) you earn on a Government Security and th… 5 min read
How to Compare G-Sec Yields Across Different Maturities Comparing G-Sec yields involves looking at the Yield to Maturity (YTM) for bonds with different end dates. Plotting these points o… 5 min read
Top 5 Yield Indicators to Monitor Before Buying a G-Sec Before buying a Government Security (G-Sec) in India, you should monitor key yield indicators to make informed decisions. The most… 5 min read
Best Resources to Track India's G-Sec Yield in Real Time The best resources to track India's G-Sec yield in real time include the official Reserve Bank of India (RBI) website and the Clea… 5 min read
Is a G-Sec Yield of 7% the Same as 7% Annual Return to You? A 7 percent g-sec yield is not a 7 percent annual return. After tax, inflation, and reinvestment, your real return is often closer… 5 min read
Buying G-Secs Via RBI Retail Direct vs NSE goBID — Differences RBI Retail Direct lets you buy government securities directly from the Reserve Bank of India. NSE goBID allows you to invest in G-… 5 min read
Best Broker Apps to Buy and Sell G-Secs in India G-Secs, or Government Securities, are debt instruments issued by the Indian government to raise money. You can easily buy and sell… 5 min read
RBI Retail Direct Is Complicated — Is It Actually Hard to Use? Many investors believe the RBI Retail Direct platform is too complicated for them. In reality, while the initial setup requires so… 5 min read
What is a Primary Dealer (PD) in G-Sec Market? A Primary Dealer (PD) is a financial institution, like a bank, authorized by the Reserve Bank of India to buy and sell government … 5 min read
What is OMO (Open Market Operations) by RBI? Open Market Operations (OMO) are actions taken by the Reserve Bank of India (RBI) to manage the amount of money in the banking sys… 5 min read
How to Monitor G-Sec Auction Results on the RBI Website To monitor G-Sec auction results, navigate to the official RBI website and find the 'Press Releases' section. Look for the documen… 5 min read
How to Use G-Sec Auction Data to Predict Yield Movements G-Sec auctions release four key signals — cut-off yield, bid-to-cover, devolvement, and tail — that predict the direction of India… 5 min read
Competitive vs Non-Competitive Bidding in G-Sec Auctions For retail investors, non-competitive bidding is the better choice for G-Sec auctions. It guarantees you will receive the bonds at… 5 min read
G-Sec Primary Market vs Secondary Market — How They Differ G-Secs trade in two markets in India: the primary market where RBI auctions new government securities, and the secondary market wh… 5 min read
FPI Is Selling G-Secs Heavily — Should You Be Worried? A G-Sec, or Government Security, is a loan you give to the Indian government, which is considered a very safe investment. When For… 5 min read
How Retail G-Sec Investors Should React to Government Oversupply A government oversupply of G-Secs means more bonds are being issued, which typically causes the price of existing bonds to fall an… 5 min read
How to Calculate Post-Tax Return on a G-Sec in Your Tax Bracket To calculate your post-tax return on a G-Sec, first find your annual interest income by multiplying the face value by the coupon r… 5 min read
How to Decide Between Short-Term T-Bills and Long-Term G-Secs G-Secs in India are debt instruments issued by the government to raise funds. To decide between short-term T-Bills and long-term G… 5 min read
How to Mix G-Secs With Equity for a Low-Risk Long-Term Portfolio Mix G-Secs with equity by setting a target ratio (often 70-30 to 50-50 by age), buying gilt funds or direct G-Secs through RBI Ret… 5 min read
₹10 Lakh in G-Secs for 10 Years — Total Earnings Calculation Ten lakh rupees in a 7 percent ten-year G-Sec grows to roughly 18 to 21 lakh at maturity depending on whether you reinvest the cou… 5 min read
G-Secs Can Never Lose Value — The Capital Loss Risk Nobody Talks About A G-Sec, or government security, cannot lose its principal value if you hold it until its maturity date. However, if you sell it b… 5 min read
G-Secs for Senior Citizens as a Safe Monthly Income Source Government Securities, or G-Secs, are one of the safest investment options for senior citizens in India, backed by a sovereign gua… 5 min read