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Government bond and T-bill yields today
What lending to the Government of India or a state pays, by tenure. Yields as of 09 Nov 2026.
| Tenure | Security | Yield a year |
|---|---|---|
| 91-day T-bill | 91 DTB (04/02/2027) | 5.90% |
| 182-day T-bill | 182 DTB (29/04/2027) | 6.55% |
| 364-day T-bill | 364 DTB (04/11/2027) | 6.65% |
| 1 to 2 years | 7.37% GS 2028 | 6.65% |
| 4 to 5 years | 6.53% GS 2031 | 6.97% |
| 9 to 10 years | 6.94% GS 2036 | 7.17% |
| 13 to 15 years | 7.06% GS 2041 | 7.35% |
| 28 to 30 years | 7.24% GS 2055 | 7.66% |
| State loan, 5 years | 7.61% Haryana SGS 2030 | 7.61% |
| State loan, 10 years | 7.82% Gujarat SGS 2036 | 7.82% |
Source: CCIL tenor-wise indicative yields (Clearing Corporation of India), 09-11-2026. Yield to maturity: what you earn a year if you buy at today’s price and hold to the end.
The types
Treasury bills (T-bills): 91, 182 or 364 days, issued by the central government at a discount and repaid at face value.
Dated government securities (G-Secs): central government bonds that pay interest every six months, for years or decades.
State Development Loans (SDLs): bonds of state governments; usually a little more yield than central bonds.
Floating rate bonds: the interest resets with a benchmark.
Sovereign Gold Bonds: no new issues; older series trade on the stock exchanges.
How to buy
RBI Retail Direct: your own account with the Reserve Bank of India, for T-bills, G-Secs, State Development Loans and Sovereign Gold Bonds, in auctions and on RBI’s trading screen (rbiretaildirect.org.in, RBI’s FAQ).
Your stockbroker: through your demat account.
A registered bond platform: see Where to invest.
Education only, not investment advice. MyFinanceBandhu does not sell any product on this page and earns nothing from it. Every rate names its official source and date; check with the bank, post office or platform before you invest.