Invest in Government Securities-Bonds or T-bills with Zerodha Coin
Last updated August 22, 2026
This IPO News guide/article covers “Invest in Government Securities-Bonds or T-bills with Zerodha Coin”. The page is organized around what are government securities and how a retail investor can invest in the g-sec?, what are bonds and t-bills?, return on bonds, returns on bonds by interest paid, advantages of bonds/t-bills. IPO News presents the structured facts and tables in its own layout and wording.
Topics Covered
- What are Government Securities and how a retail investor can invest in the G-Sec?
- What are Bonds and T-Bills?
- Return on Bonds
- Returns on bonds by Interest paid
- Advantages of Bonds/T-bills
- Comparison of T-Bills/Bonds earning with FD
- Average interest paid by major PSU banks
- Zerodha Trade@20
- Frequently Asked Questions
- 1. How can retail Investor invest in Bonds/T-bills with Zerodha Coin?−
- 2. How much brokerage do I need to pay with Bonds/T-bills Investment with Zerodha?+
- 3. What are the taxation with Bonds/T-bills?+
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Key Facts
- India's trusted financial research platform since 2015. Live IPO GMP, subscription data, allotment status, Rights Issues, NCDs and unbiased stock broker reviews.
- Government Securities are mainly divided in 2 categories –
- 727GS2024A – means 7.27% Interest, GS: Government Securities and 2024: Maturity Year (6 Year from 2018), A: is internal for NSE use (Fresh Issue)
- 700GS2021 (7% Interest of GS on 2021(3 year)) is issued on discounted price of 98 and assume you invested 200 of these bonds. So you paid 200*98=19600
- So with the investment of Rs 19600 you will get=700 + 700 + 700 +700 + 700 + 700 +20000=24200 Rs which is 7.14% of total investment for 3 year.
- Want to start your investment journey? Join India's Pioneer Discount Broker – ZERODHA – Free Delivery Trade, Maximum Rs 20 for F&O and Intraday, Free Direct Mutual Fund investment.
- No charges, Yes Zerodha waived 0.06% brokerage fee on investment in T-bills, government bonds, etc. So, there is no brokerage charged now. However, other charges will be still applicable.
- Bonds: Interest income is credited to your bank account every 6 months, so it is considered as income from other source so tax need to pay as per your tax slab.
- In case of any appreciation in the bond price, it is considered a capital gain. Long-term (LTCG) is 20% with indexation. If G-Sec are held for more than 3 years, it's come under LTCG, if less than 3 year then it's STCG.
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Data Tables
| Time Period | Interest | Cash Flow | Comments |
|---|---|---|---|
| 0-6 Months | 3.50% | 3.5%*100*200=700 | Half yearly Interest |
| 6-12 Months | 3.50% | 3.5%*100*200=700 | Half yearly Interest |
| 1 to 1.5 Year | 3.50% | 3.5%*100*200=700 | Half yearly Interest |
| 1.5 to 2 Year | 3.50% | 3.5%*100*200=700 | Half yearly Interest |
| 2 to2.5 year | 3.50% | 3.5%*100*200=700 | Half yearly Interest |
| 2.5 to 3 year | 3.50% | 3.5%*100*200=700 | Half yearly Interest |
| At maturity 3rd year | Principal Repayment | 200*100=20000 | Additional 400 Rs for Discounted Bond Price |
| Days | FD (Yield) | G Sec (Yield) |
|---|---|---|
| 91 Days | 6.25 | 6.93 |
| 184 Days | 6.35 | 7.29 |
| 364 Days | 6.70 | 7.58 |
| 1 Year | 6.42 | 6.45 |
| 2 Years | 6.47 | 6.8 |
| 3 Years | 6.53 | 7.05 |
| 5 Years | 6.4 | 7.33 |
| 10 Years | 6.85 | 7.92 |
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