What is the difference between Retail Treasury Bonds and Treasury Bills?

Retail Treasury Bonds (RTBs) and Treasury Bills (T-Bills) are both debt instruments issued by the government with the key difference being on the maturity period.

RTBs typically have longer maturity periods, ranging from a few years to even more than a decade, making them suitable for medium to long-term investments. Meanwhile, T-Bills are short-term securities with maturity periods usually less than a year (this can be 91, 182, or 364 days), catering to investors looking for short-term investment options.

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