A debt instrument is a tool that can be utilized by an individual, government, or business entity to raise capital. For example, a corporation can borrow money from lending institutions by using promissory notes. Similarly, the government can also borrow money from the public through investment products such as treasury bills and more. Citibank offers a wide range of debt instruments that you can check out if you want to raise your capital by investing in debt instruments. Some of the common ones are bonds, money market instruments, fixed maturity plans, monthly income plans, and more. Debt instruments are also usually long-term instruments. As a result, the interest associated tends to be higher than term deposits.