{"id":14477,"date":"2026-07-03T11:55:47","date_gmt":"2026-07-03T06:25:47","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=14477"},"modified":"2026-07-03T11:55:49","modified_gmt":"2026-07-03T06:25:49","slug":"sdl-vs-g-sec-vs-t-bills-a-complete-guide-to-indian-sovereign-debt","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/bond-news\/sdl-vs-g-sec-vs-t-bills-a-complete-guide-to-indian-sovereign-debt\/","title":{"rendered":"SDL vs G-Sec vs T-Bills: A Complete Guide to Indian Sovereign Debt"},"content":{"rendered":"\n

Summary:<\/strong> A clear guide to India’s sovereign debt instruments\u2014G-Secs, SDLs, and T-Bills\u2014covering how each works, key differences, current yields, and how retail investors can access them. <\/strong><\/h3>\n\n\n\n

If you’re building a fixed-income portfolio, chances are, you’ve come across terms like G-Secs, T-Bills, and SDLs. They\u2019re all government-backed debt instruments and are considered super safe, but they’ve got different purposes, tenors, and yields. With the RBI repo rate sitting at 5.25% as of June 2026, and the benchmark 10-year G-Sec yield hovering around 6.8%, knowing what sets them apart is crucial. Whether you’re a debt investing pro or just venturing beyond mutual funds, here\u2019s a breakdown of how these instruments work and how to pick the right one for your portfolio.<\/p>\n\n\n\n

\n
\n

Table of Contents<\/p>\nToggle<\/span><\/path><\/svg><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n