Does GSEC worth for 3 Year Investment than FD?

General
1

Does GSEC is worth for 3 Year Investment

  1. FD give better return than GSEC for 1 - 3 year period (6.1 to 6.5)
  2. FD Easy to withdraw
  3. FD More Liquid than Gsec
  4. If required FD can give Monthly interest than 6 month payout of Gsec
  5. No charges like DP , brokerage or other charges other than pre mature penalty

Is this because of pledging benefit or is there any reason I am missing here ?

2

Yes, for average retail investor investing gsec of shorter duration does not make any sense, unless you want to pledge it and use it as margin for trading.

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