Raghunandan Money – Investment Khushiyon Ka.

RMoney Support

How can we help you?

Search for an answer or browse help topics

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

Post Date : November 29, 2025

Government securities come in different forms, and each serves a specific purpose for investors. Here’s a clear comparison to help you understand how State Development Loans (SDLs), Treasury Bills (T-Bills), and Government Securities (G-Secs) differ from one another.

 

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 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 Can be issued at discount, par, or premium
Issuer Central Government via RBI 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.

Need Help?

If you need any assistance, our support team is here to help.

RMoney Support: 0562-4266600 / 0562-7188900
 Email: askus@rmoneyindia.com

 

Account Modification

Account opening & charges

FAQ's

Online Trading with RMoney

Policies and Compliance

RMoney Online Back Office

RMoney Users

SLBM- Stock Lending & Borrowing Mechanism

Sign up

To know about our offerings - Demat, Shares, Mutual Funds, IPOs, Insurance, Commodities and more…

Open an RMoney Online Account

Get started today to really enjoy your trading experience. Fill in your details, connect your bank account & upload your documents.

Open Trading Account

Company

About Financial-products Refer & Earn (Addvantage) Research Blog Career Privacy-policy Regulatory-information Investors Charter 7 Reasons to Invest with us Most Important Terms and Conditions (MITC) Advisory to client Grievance / Complaint against the Stock Broker / Depository Participant SCORES 2.0 ODR do's and don'ts Policy Evoting Authentication Freezing/Blocking of Trading A/c KYC Status Client Guidance Note

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

Employee-login Sitemap Contact Us Support

Important Links

Download & Resources Fund Transfer Margin Trading Funding Direct Mutual Funds Addition/Modification/Closure & Re-Start Module
Registered Address: Raghunandan Capital Private Limited, Unit 601 to 602 A, 6th Floor, DSCCSL-Dalal Street Commercial Cooperative Society Limited (53E) Road 5C, Block 53, Zone 5, DTA, Gandhinagar, Gujarat – 382355
Standard Warning/ Disclaimer: Investments in securities market are subject to market risks, Read all the related documents carefully before investing.
Raghunandan Capital (P) Ltd. - CIN no.: U67120GJ2007PTC117898
Member - NSE | BSE | Depository participant (CDSL) | MCX | NCDEX
NSE: TMID - 13176 | SEBI Regn. No: NSE (CASH) (F&O) (CURRENCY): INZ000307234
BSE: TMID - 6112 | SEBI Regn. No.: BSE (CASH) (F&O) (CURRENCY): INZ000307234
CDSL: SEBI Regn. No.: IN-DP-213-2016
MCX: TMID - 56835 | SEBI Reg. No.: INZ000307234
NCDEX: TMID - F01296 | SEBI Reg. No.: INZ000307234
MSEI (CURRENCY): TMID - 2097 | SEBI Reg. No.: INZ000307234, IFSCA
Raghunandan Insurance Brokers (P) Ltd. - CIN no.: U00660RJ2005PTC071285
Direct Broker - IRDA | Direct broker code: IRDA: DB/352
Mutual Funds: ARN- 96718 | EUIN- 383863
Research Analyst:-
RAGHUNANDAN CAPITAL PRIVATE LIMITED - Reg no.: INH000010335
Important Links
SEBI | RBI | NSE | BSE | MCX | NCDEX | NSDL | CDSL | IRDA |  IFSCA

Attention Investor:

  • # Prevent Unauthorised transactions in your account. Update your mobile numbers/email IDs with your stock brokers. Receive information of your transactions directly from Exchange on your mobile/email at the end of the day. Issued in the interest of investors.
  • # KYC is one time exercise while dealing in securities markets – once KYC is done through a SEBI registered intermediary (broker, DP, Mutual Fund etc.), you need not undergo the same process again when you approach another intermediary.
  • # No need to issue cheques by investors while subscribing to IPO. Just write the bank account number and sign in the application form to authorize your bank to make payment in case of allotment. No worries for refund as the money remains in investor’s account.
  • # Update Your Nomination - Ensure the security of your investments by updating your nominee details in your Trading & Demat Account online 👉 Click Here to Update 👈
  • # PRO TRADING INTIMATION: WE Confirm that Raghunandan Capital Private Limited is also Engage in Pro Trading( in Equity, Cash, Future & Options along with Commodity Futures & Options) in addition to trading of clients.

Copyright © Rmoneyindia.com 2025 | All Rights Reserved

×

Filing Complaints on SCORES (SEBI) – Easy & Quick

  1. Register on SCORES Portal (SEBI)
  2. Mandatory details for filing complaints on SCORES:
    1. Name, PAN, Address, Mobile Number, E-mail ID
  3. Benefits:
    1. Effective Communication
    2. Speedy redressal of the grieva`nces

https://scores.sebi.gov.in/dashboard

IT'S TIME TO HAVE SOME FUN!

Your family deserves this time more than we do.

Share happiness with your family today & come back soon. We will be right here.

Investment to ek bahana hai,
humein to khushiyon ko badhana hai.

E-mail
askus@rmoneyindia.com

Customer Care
+91-9568654321

×

Ab Trade Karo Tension Free

Don't worry, we hate spam as much as you do!

Please note that the brokerage charged against the above scheme should not in any ways exceed the amount as specified under the exchange bye laws.

  • Advance Brokerage is valid for Lifetime.
  • Balance Advance Brokerage can be refunded lifetime without asking any Question.
  • Pay Rs 299/- & Get Rs 499/- as advance Brokerage revesal*
    • Send Enquiry
    Open chat
    RMoney India
    Welcome to RMoney
    More Info visit at https://rmoneyindia.com/support/difference-sdl-tbill-gsec
    How May I Help You?