What is the minimum amount I can invest in G-Secs/T-Bills/SDLs?

What is the minimum amount I can invest in G-Secs/T-Bills/SDLs?

The minimum investment amount for Government Securities (G-Secs), Treasury Bills (T-Bills), and State Development Loans (SDLs) is ₹10,000, as mandated by the Reserve Bank of India (RBI). All further investments must be made in multiples of ₹10,000.

Example

If you invest in a 20-year G-Sec bond with:

  • Coupon rate: 6.5%
  • Face value per unit: ₹100
  • Investment: ₹10,000

You receive 100 units (₹10,000 ÷ ₹100), earning ₹650 annually (6.5% of ₹10,000).

What if...

ScenarioResolution
You invest ₹20,000You’ll receive 200 units and earn interest accordingly.
You try investing ₹15,000The platform will reject this unless the auction rules allow such flexibility. Stick to ₹10,000 multiples.
Always check the auction details before placing a bid—some bond issues may have different minimum thresholds based on RBI notifications.

Last updated: 26 Jun 2025