Difference Between SDLs, T Bills and G Secs

Quick Comparison

Basis

Treasury Bills (T-Bills)

Government Securities (G-Secs)

State Development Loans (SDLs)

Maturity

Short-term securities with maturities of 91 days, 182 days, or 364 days

Long-term securities with maturities ranging from 5 years to 40 years

Long-term securities similar to G-Secs, usually 5 years and above

Interest (Coupon)

No periodic interest. Issued at a discount and redeemed at face value

Pays semi-annual interest to your linked bank account

Investment Value

Always issued at a discount and redeemed at full face value

Can be issued at discount, par, or premium

Issuer

Central Government via RBI

State Governments via RBI

Risk Level

Lowest risk (backed by Central Govt.)

Very low risk (sovereign guarantee)

Low risk (state-backed)

In Simple Terms

T-Bills = Short-term, no interest, safe, discount-based.

G-Secs = Long-term, interest-paying, very low-risk.

SDLs = Long-term, interest-paying, slightly higher yield than G-Secs because they are issued by state governments.

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Company

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Account

Online Account Open Zero Brokerage Full Services Account Opening Charges

Support

Customer care
Tel: 0562-4266600, 7188900

For Queries Email ID
askus@rmoneyindia.com

For Complaints Email ID
complaint@rmoneyindia.com

Central Trading Desk
Tel: 0562-4266666, 7188999

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Important Links

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What is the difference between SDLs, T-Bills, and G-Secs?

Quick Comparison

In Simple Terms

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