# T-Bill Laddering: Can We Target 9%+ Returns with Short-Term T-Bills?
**URL:** https://tradingqna.com/t/t-bill-laddering-can-we-target-9-returns-with-short-term-t-bills/196875
**Category:** Bonds
**Created:** [August 9, 2026, 1:35pm UTC](https://tradingqna.com/t/t-bill-laddering-can-we-target-9-returns-with-short-term-t-bills/196875 "2026-08-09T13:35:35Z")
**Posts on this page:** 6
**Page:** 1
### Author:  [@sandeep\_cs](https://tradingqna.com/u/sandeep_cs)
#### Post date: [August 9, 2026, 1:35pm UTC](https://tradingqna.com/t/t-bill-laddering-can-we-target-9-returns-with-short-term-t-bills/196875/1 "2026-08-09T13:35:35Z")
Hello All ,
Can you please help me to create Tbill laddering . Please share these info , if you have .
1. Do we have any link of all existing Tbills like gsec [https://www.rbi.org.in/scripts/bs\_viewcontent.aspx?Id=1956](https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=1956)
2. Is it possible to invest less than 10K , If we are buying via Kite ?
3. Is Tbill ladder give better return than currently available gsec (approx 7.2 perc effective yield )
4. Once the Tbill mature shall get the amount in our kite or it deposited in bank , what are the charges incurred ?
5. If I am selling the Tbill on just one day before maturity , what all charges incurred ?
6. 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 ?
7. 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?](https://support.zerodha.com/category/trading-and-markets/general-kite/govt-securities/articles/tbill-maturity?utm_source)
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### Author:  [@IamAnushka](https://tradingqna.com/u/IamAnushka)
#### Post date: [August 10, 2026, 4:07am UTC](https://tradingqna.com/t/t-bill-laddering-can-we-target-9-returns-with-short-term-t-bills/196875/2 "2026-08-10T04:07:46Z")
> [@sandeep\_cs](#):
>
> Do we have any link of all existing Tbills like gsec
This is what i track [Live Market Watch - Bonds Trade In Capital Market, NSE India](https://www.nseindia.com/market-data/bonds-traded-in-capital-market#)
> [@sandeep\_cs](#):
>
> Is it possible to invest less than 10K , If we are buying via Kite ?
Minimum is 10000 [support article](https://support.zerodha.com/category/trading-and-markets/general-kite/govt-securities/articles/buy-gsecs#:~:text=The%20minimum%20investment%20amount%20in%20G%2Dsecs%20is%20%E2%82%B910%2C000%20(100%20quantities)) says this.
> [@sandeep\_cs](#):
>
> Is Tbill ladder give better return than currently available gsec (approx 7.2 perc effective yield )
As per my understanding laddering is for short term quick liquidity/cash preservation kinda thing mainly and gsces is long term.
> [@sandeep\_cs](#):
>
> Once the Tbill mature shall get the amount in our kite or it deposited in bank , what are the charges incurred
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.
> [@sandeep\_cs](#):
>
> If I am selling the Tbill on just one day before maturity , what all charges incurred ?
They arent available [last 2 days of the maturity.] Hence no chance of selling.
> [@sandeep\_cs](#):
>
> 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 ?
Depends on your goal, if you are looking short term just cash preservation splitting makes sense, long term then better options available.
> [@sandeep\_cs](#):
>
> If we are getting amount after 15 days , are we going to miss those amount without any return ?
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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### Author:  [@sandeep\_cs](https://tradingqna.com/u/sandeep_cs)
#### Post date: [August 10, 2026, 4:27am UTC](https://tradingqna.com/t/t-bill-laddering-can-we-target-9-returns-with-short-term-t-bills/196875/3 "2026-08-10T04:27:56Z")
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?](https://support.zerodha.com/category/trading-and-markets/general-kite/govt-securities/articles/tbill-maturity)
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](https://www.nseindia.com/market-data/bonds-traded-in-capital-market#) I am not to find any Tbill
Tbill usually end with “-TB” , Am I missing some thing
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### Author:  [@IamAnushka](https://tradingqna.com/u/IamAnushka)
#### Post date: [August 10, 2026, 5:04am UTC](https://tradingqna.com/t/t-bill-laddering-can-we-target-9-returns-with-short-term-t-bills/196875/4 "2026-08-10T05:04:45Z")
> [@sandeep\_cs](#):
>
> 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
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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### Author:  [@sandeep\_cs](https://tradingqna.com/u/sandeep_cs)
#### Post date: [August 10, 2026, 6:47am UTC](https://tradingqna.com/t/t-bill-laddering-can-we-target-9-returns-with-short-term-t-bills/196875/5 "2026-08-10T06:47:52Z")
Thank You @IamAnushka
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### Author:  [@sandeep\_cs](https://tradingqna.com/u/sandeep_cs)
#### Post date: [August 10, 2026, 7:50am UTC](https://tradingqna.com/t/t-bill-laddering-can-we-target-9-returns-with-short-term-t-bills/196875/6 "2026-08-10T07:50:23Z")
This is what I learned about Tbill
1. The return around 5.5% when we buy from Primary market
2. Its very difficult to get from secondary , take lot of time but sometime,we may get good bargain
3. We may get similar return from Liquid ETF like liquidcase , without much effort (as per my understanding of current liquid fund etf yield)
4. Also there may be extra 15 days without any Interest or return … Refer [What happens when a SDL, T-bill and G-sec matures?](https://support.zerodha.com/category/trading-and-markets/general-kite/govt-securities/articles/tbill-maturity?utm_source)
Also I missed this thread [Is it worth buying T-bill?](https://tradingqna.com/t/is-it-worth-buying-t-bill/109728?utm_source=chatgpt.com)