Hello All ,
Can you please help me to create Tbill laddering . Please share these info , if you have .
- Do we have any link of all existing Tbills like gsec https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=1956
- Is it possible to invest less than 10K , If we are buying via Kite ?
- Is Tbill ladder give better return than currently available gsec (approx 7.2 perc effective yield )
- Once the Tbill mature shall get the amount in our kite or it deposited in bank , what are the charges incurred ?
- If I am selling the Tbill on just one day before maturity , what all charges incurred ?
- If allocating 1L to Tbill , is it better to split to 10K or 1L in single step? - if split , is it better to focus 91D Tbills only ?
- If we are getting amount after 15 days , are we going to miss those amount without any return ? refer What happens when a SDL, T-bill and G-sec matures?
This is what i track Live Market Watch - Bonds Trade In Capital Market, NSE India
Minimum is 10000 support article says this.
As per my understanding laddering is for short term quick liquidity/cash preservation kinda thing mainly and gsces is long term.
The T-Bill is automatically debited from your demat account and the maturity amount is credited to your primary bank account linked to Zerodha, generally within 15 working days.
They arent available [last 2 days of the maturity.] Hence no chance of selling.
Depends on your goal, if you are looking short term just cash preservation splitting makes sense, long term then better options available.
No interest 
. Well this is something you need to keep in mind.
Bdw thanks this made me think how can i get some interest around for this 15 days. 
Anyone has any idea ?
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Thank You @IamAnushka for the reply .
During my inititial post i was not aware the 2 day before they are not available or hided for selling /buying from kite. From this post later I understand that What happens when a SDL, T-bill and G-sec matures?
My question i have to reframe it like this - If I am selling the Tbill on 3 day before maturity , what all charges incurred ? ( I am doing this to avoid landing in my bank account - due to limited amount I have )
I think these are the charges while selling + CDSL charge like may be 20Rs+ GST
From this link Live Market Watch - Bonds Trade In Capital Market, NSE India I am not to find any Tbill
Tbill usually end with “-TB” , Am I missing some thing
Yes DP charges will be charged and settlement will be T+1.
Change bonds to GSec and you will get it.
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This is what I learned about Tbill
- The return around 5.5% when we buy from Primary market
- Its very difficult to get from secondary , take lot of time but sometime,we may get good bargain
- We may get similar return from Liquid ETF like liquidcase , without much effort (as per my understanding of current liquid fund etf yield)
