Investing in Treasury Bills (T-Bills) is one of the safest ways to grow your wealth in Nigeria. Backed by the Central Bank of Nigeria (CBN), T-Bills offer a low-risk, tax-free return, making them an excellent choice for both individuals and businesses.
If you’re looking for GTBank Treasury Bills rates today, this guide will provide you with:
✅ The latest Treasury Bills rates
✅ How to invest in Treasury Bills through GTBank
✅ How to calculate your expected returns
✅ Why Treasury Bills are a smart investment choice
💡 Want to calculate your earnings instantly? Use our free Treasury Bills Calculator to estimate your returns before investing!
Latest GTBank Treasury Bills Rates Today (February 2025)
The CBN recently conducted a Treasury Bills auction, setting the latest interest rates as follows:
| Treasury Bill Tenor | Discount Rate | Interest Rate |
|---|---|---|
| 91-Day (3 months) | 26.1550% | 27.9849% |
| 182-Day (6 months) | 25.0874% | 28.6856% |
| 364-Day (1 year) | 23.2954% | 30.3703% |
💡 These rates fluctuate based on market demand and CBN monetary policy.
📌 Want to know how much you’ll earn? Use our Treasury Bills Calculator to get instant results!
What Are Treasury Bills?
Treasury Bills (T-Bills) are short-term government securities issued by the CBN on behalf of the Federal Government. They are a low-risk, tax-free investment option that allows individuals and institutions to earn guaranteed interest.
How Do Treasury Bills Work?
- T-Bills are sold at a discount. This means you pay less than the face value and receive the full amount at maturity.
- The difference between the purchase price and face value is your profit.
For example:
- If you buy a ₦1,000,000 Treasury Bill at a 30% interest rate, you might pay only ₦770,000 upfront and receive ₦1,000,000 at maturity, earning ₦230,000 profit.
Key Features of Treasury Bills:
✔ Risk-Free Investment – Backed by the Federal Government, so no risk of default.
✔ High Returns – Earn up to 30% per annum, which is much higher than savings accounts.
✔ Tax-Free Earnings – Unlike other investments, T-Bill profits are not taxed.
✔ Liquidity – Can be sold before maturity in the secondary market if needed.
✔ Flexible Investment Periods – Choose between 91 days, 182 days, or 364 days.
💡 Not sure which tenor to choose? Our Treasury Bills Calculator can help you compare different options.
How to Invest in Treasury Bills Through GTBank
GTBank provides an easy and reliable platform for investing in Treasury Bills. Here’s a step-by-step guide:
1️⃣ Open an Investment Account
To buy T-Bills through GTBank, you need:
✔ A GTBank account
✔ A CSCS (Central Securities Clearing System) account (if required for secondary market trading)
2️⃣ Check Available Treasury Bills Offers
T-Bills are issued every two weeks, and interest rates change per auction. GTBank provides updates on:
✔ Available tenors (91-day, 182-day, and 364-day)
✔ Current interest rates
✔ Investment deadlines
3️⃣ Decide on Your Investment Amount
- Primary Market Minimum: ₦50 million (CBN requirement)
- Secondary Market Minimum: ₦1,000 (varies by bank and brokers)
💡 If you don’t have ₦50 million, you can still invest in the secondary market!
4️⃣ Submit Your Application
You can apply for T-Bills through:
✔ A GTBank branch
✔ GTBank’s online banking platform
5️⃣ Fund Your Investment
Once your application is processed, transfer the required funds to complete your investment.
6️⃣ Receive Your Treasury Bill Certificate
This document confirms your investment details, including:
✔ Purchase amount
✔ Interest rate
✔ Maturity date
💡 Want to calculate your potential profit before investing? Use our Treasury Bills Calculator to get accurate results.
Example: How to Calculate Treasury Bills Returns
To help you understand how much you can earn, here’s an example calculation:
🔹 Investment Amount: ₦1,000,000
🔹 Tenor: 364 days
🔹 Discount Rate: 23.2954%
Step 1: Calculate the Discounted Purchase Price
- ₦1,000,000 ÷ (1 + (23.2954/100)) = ₦811,000.00
Step 2: Calculate Your Profit
- ₦1,000,000 – ₦811,000.00 = ₦189,000.00
💰 At maturity, you receive ₦1,000,000, making a profit of ₦189,000.00.
📌 Don’t want to calculate manually? Use our Treasury Bills Calculator for instant results!
Additional Benefits of Investing in Treasury Bills
✔ Protection Against Inflation – With high returns, T-Bills preserve the value of your money.
✔ Short-Term Gains – Unlike fixed deposits, T-Bills offer quick returns in 91, 182, or 364 days.
✔ Low Entry Barrier – While the primary market requires ₦50 million, secondary market investments start at just ₦1,000.
✔ Diversification – Perfect for balancing risk in an investment portfolio.
💡 Want to maximize your investment? Use our Treasury Bills Calculator to find the best strategy.
Final Thoughts – Should You Invest in GTBank Treasury Bills?
✅ Yes! Treasury Bills are one of the safest and most profitable investments in Nigeria. With interest rates as high as 30.37%, now is the perfect time to grow your money risk-free.
📌 Before investing, always check the latest rates and calculate your expected earnings using our Treasury Bills Calculator.