Can a common individual tax payer invest in government securities?

Yes common retail investors can invest in govt bonds..
For eg :
Kotak Gilt is a scheme that allows the retail investor to
invest in the otherwise wholesale government securities market.


It invests in government bonds and treasury bills, giving a
zero credit risk investment option. It recognizes that for retail
investors safety is of prime concern, giving
them the liquidity of a savings account with attractive returns.