What is RBI Retail Direct and how can I buy government bonds?

RBI Retail Direct allows individuals to directly buy and hold government securities (G-Secs, T-Bills, SDL, SGBs) without a broker or mutual fund. Account is free. Minimum investment: Rs10,000 for G-Secs. Yields are risk-free and currently 6.9-7.3% for 10-year bonds. Ideal for conservative investors wanting government-backed fixed income.