The RBI now permits individuals to invest in Treasury bills via SIPs on its retail direct platform, aiming to increase retail participation in the bond market. While one-year bank FDs offer higher returns, T-bills outperform in shorter tenures like 91-day and 182-day maturities. This initiative allows investments starting from Rs 10,000 with auto-bidding and reinvestment options. Post navigation Banking reforms: RBI to enable cheque clearance within hours from October 4, phased plan to cut settlement delays Indian economy outlook: Morgan Stanley sees India emerging as top consumer market; energy transition and manufacturing boost ahead