Best Investment Plan

Proper investment planning is critical to save, invest, and earn from your current income. Having a clear idea of the different investment avenues gives a sense of direction in finalizing the best strategy to meet key financial goals.

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Best Investment Plans
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Let us explore some best investment plans currently available in India.

What is an Investment Plan?

Investment plans include financial products that allow creating wealth and meeting financial goals through periodical investment. It includes multiple options like equity funds, debt securities, insurance, and government-backed schemes. These plans also inculcate disciplined investment habits that help accumulate wealth in the long term and achieve other financial objectives.

The primary step towards having an investment plan is assessing your financial needs and risk profile, followed by choosing an appropriate plan. 

Some of the top investment options in India include:

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Investment Plans in India in 2023

India offers abundant investment options for you to invest in and grow over time. The table below shows some of the top investment plans in India that you can consider to achieve your future financial goals. 

Investment Plans AUM 3 years return 5 years return  10 years return 
Tata AIA Fortune Pro ₹14,196 Cr 34.6% 21.4% 20.4%
Bajaj Allianz Smart Wealth Goal ₹16,374 Cr 25.3% 13.1% 17.8%
Aditya Birla Wealth Aspire Plan ₹18,899.95 Cr 30.2% 13.6% 18.9%
HDFC life Click2Invest ₹48,368 Cr 37.9% 13% 17.4%
Max Life Online Savings Plan ₹23,466 Cr 33.8% 17.9% 17.2%
PNB MetLife Mera Wealth Plan ₹2,668 Cr 40.7% 19.8% 16.8%
Edelweiss Life Tokio Wealth Secure+ ₹1,187 Cr 27.9% 10.4% 14.8%
ICICI Pru Signature ₹97,475 Cr 25.3% 11.9% 13.8%
LIC SIIP ₹4,388 Cr 15.1% 9.3% NA
SBI Life eWealth Insurance ₹53,768 Cr 21.2% 11.2% 13.4%
Kotak Life E-invest ₹13,365.384 Cr 25.9% 13.6% 15.3%
Aviva i-Growth ₹781 Cr 24.7% 11.9% 14%
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Types of Investment Plans

Investing is an integral part of building long-term wealth and financial stability. Many types of investment plans are available, each with its benefits and risks. It is important to understand the different options for you to make an informed decision that aligns with your financial goals and risk tolerance. 

  1. Debt Mutual Funds

    • Debt mutual funds are less volatile than equity funds, implying lower risk for investors.

    • The primary investment of debt mutual funds is in fixed-interest securities such as government securities, corporate bonds, commercial paper, treasury bills, and money market tools.

    • Investors should remember that debt mutual funds are not entirely risk-free and are subject to credit and interest rate risk.

  2. Direct Equity

    • In the long term, equity delivers higher returns than other inflation-adjusted asset classes.

    • The chances of losing your entire capital are high unless the investor uses a stop-loss method to curtail loss.

    • Stop-loss involves placing an advance order to sell at a certain cost, which helps reduce risk.

    • Diversifying in all sectors and market capitalizations can also help reduce risk.

    • A Demat account is necessary for investing in direct equity. The bank allows for 3 in 1 account opening for investing in stocks.

  3. Equity Mutual Funds

    • Equity mutual funds primarily invest in equity stocks.

    • SEBI regulations require 60% of assets in equity and related tools for equity mutual fund schemes.

    • Equity mutual funds can be actively or passively managed.

    • Active equity mutual fund returns depend on the fund manager's skills and experience.

    • Equity schemes are categorized based on market capitalization or areas of investment.

    • Equity schemes are also segmented based on investment in domestic or international companies.

  4. Unit Linked Investment Plans (ULIPs)

    • Unit Linked Insurance Plans (ULIPs) are a popular investment option in India.

    • It provides both financial security and life coverage.

    • ULIP allows policyholders to switch their investments between different funds based on their risk appetite and market conditions.

    • ULIPs also offer the opportunity to make direct market investments.

    • The funds can be invested in equity funds, debt funds, or both.

    • The debt or equity fund’s value is evaluated based on the Net Asset Value criteria.

  5. National Pension Scheme

    • NPS offers tax benefits under Section 80C and Section 80CCD (1B) of the Income Tax Act, 1961.

    • It provides flexible investment options across different asset classes.

    • NPS has low administrative and fund management costs.

    • It is designed for retirement planning with partial withdrawal options.

    • NPS is regulated by the government entity, Pension Fund Regulatory and Development Authority (PFRDA).

    • It provides a certain amount of guarantee on the returns generated by the scheme.

    People Also Read: Pros and Cons of NPS for NRI

  6. Bank Fixed Deposits

    • Bank FDs offer a fixed rate of interest, which is guaranteed for the duration of the deposit. It means that investors have an idea of their maturity amount beforehand.

    • Fixed Deposits are considered low-risk investments as they are backed by the government and not subject to market fluctuations.

    • Bank FDs can be opened and managed efficiently, either online or by visiting a bank branch.

    • Investors can choose the FD tenure ranging from 7 days to 10 years depending on their financial goals and investment horizon.

  7. Gold or Gold ETFs

    Gold is a popular investment option in India due to its cultural significance and perceived value as a ‘safe haven’ asset. Its demand has remained strong for centuries. While investing in physical gold is cumbersome, investors can consider Gold ETFs (or digital gold).  

  8. RBI Taxable Bonds 

    RBI Taxable Bonds are a popular investment option for many in India due to their relatively low risk and steady returns. The Reserve Bank of India issues these bonds and offers a fixed interest rate over a specific period, providing investors with a predictable source of income.

  9. Initial Public Offerings (IPO)

    Initial Public Offering (IPO) occurs when a private company gets listed on the stock exchanges and issues stocks for the first time. The transition of companies from private to public allows all investors to buy the stocks and earn returns. 

    Features of IPO:

    • Initially, the investors keep an eye on low rate IPOs whose stocks value might inflate over time.

    • Current market conditions, company performance, upcoming trends, management, and other aspects influence stock prices. 

    • It also helps founders, angel investors, and venture capitalists to cash out their early investments.

    • IPOs of a growing company are considered a long-term, low-risk investment option.

  10. Pension Plans

    A pension is a form of income that individuals can rely on after they retire and no longer earn a regular income. Retirement Plans in India enable investors to save money regularly during their working years to ensure a comfortable retirement. The plans are structured to protect against inflation, ensuring investors receive the highest possible returns.

  11. Annuity Plans

    Annuity Plans provide consistent payments to investors throughout their retirement years. On the other hand, pension plans accumulate funds that can be deposited systematically into a policy. After retirement, the accumulated funds can be used to purchase an annuity plan that offers regular payouts based on the plan's guidelines.

    People Also Read: SBI Annuity Deposit Scheme Calculator

  12. Real Estate

    Over the years, there has been a significant rise in real estate prices. As a result, Non-Resident Indians can benefit from purchasing property in India and renting out for additional income. Real estate is a reliable investment option due to its potential for long-term returns and steady growth.

    If Non-Resident Indians wish to engage in buying or selling property in India, they can use the following bank accounts:

    • Non-Resident External Account (NRE)

    • Non-Resident Ordinary Account (NRO)

    • Foreign Currency Non-Resident Account (FCNR)

  13. Non-Convertible Debentures (NCDs)

    • Non-Convertible Debentures (NCDs) are a type of fixed income instrument that provides a fixed rate of return to the investor over a specified period.

    • They offer higher interest rates than traditional bank deposits and are considered a low-risk investment option as the issuing company secures the assets.

    • NCDs offer easy repatriation of funds for NRIs.

    • NRIs can claim tax benefits on the interest earned from NCDs.

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How to buy Investment Plans for NRI through Policybazaar?

  • Go to the official Policybazaar website or use their mobile app if available.

  • If you don't already have an account with Policybazaar, sign up and create an account. You may need to provide personal details and verify your identity.

  • Log in to your account and fill in the necessary details, including your NRI status, country of residence, and other relevant information.

  • Use the platform's tools to compare various investment plans available for NRIs. Policybazaar has filters or options to help you find suitable plans based on your preferences.

  • Once you find a plan that suits your needs, carefully review the policy details, terms, and conditions. Pay attention to charges, fees, lock-in periods, and any other important aspects.

  • If you have any doubts or need assistance during the process, you can reach out to Policybazaar's customer support through their website or helpline.

  • Prepare the necessary documents required for investing as an NRI, which may include proof of NRI status, passport, visa, address proof, and any other documents requested by the investment provider.

  • When you are satisfied with the plan and have completed all the necessary formalities, proceed to purchase the investment plan. This involves making an online payment.

  • After the purchase, you should receive a confirmation of your investment along with the policy documents. Keep these documents safe for future reference.

**When you choose Policybazaar for your purchases, you gain access to a range of outstanding benefits like: Zero Commission, No Hidden Charges, Expert Advice, 100% Calls Recorded, Ensuring honest selling, complete responsibility for every sale.

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People Also Read: How to Get 50k Pension Per Month as NRI?

Best Investment Plan for 1, 3, 5 Years

1 Years Investment Plans 3 Years Investment Plans 5 Years Investment Plans
Arbitrage Funds Recurring Deposits Liquid Funds
Fixed Deposits Fixed Maturity Plan Savings Account
Recurring Deposits Savings Account Post-office Time Deposit
Fixed Maturity Plan Arbitrage Funds Large Cap Mutual Fund
Post Office Deposits Liquid Fund -
Debt Fund - -

investment plans for nrisinvestment plans for nris

When is the Right Time to Start an Investment Plan?

  • The right time to start investing in an investment plan depends on several factors like financial goals, risk appetite, current financial situation, and investment horizon.

  • Starting investing as early as possible is generally advisable because time is a critical factor in the growth of an investment portfolio.

  • An early start gives the benefit of compounding, which means investments will earn returns, and those returns will earn returns, thereby increasing the value of the portfolio over time.

  • Investing early allows one to ride out the ups and downs of the market and benefit from the economy’s overall growth.

  • It is crucial to clearly understand financial goals, risk tolerance, and investment options before investing.

  • It is advisable to have an emergency fund in place to cover unexpected expenses so that investments do not have to be liquidated to meet the expenses.

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People Also Read: Annuity Calculator

FAQ's

  • Who is an NRI?

    An NRI or Non-Resident Indian is an Indian citizen who resides outside India for a certain period, either for employment, business, or other purposes.
  • What are the benefits of investing in real estate in India?

    Investing in real estate in India can provide regular rental income and long-term capital appreciation. NRIs can also take advantage of the depreciating value of the Indian rupee to invest in real estate and earn higher returns.
  • Can NRIs repatriate their investment earnings?

    Yes, NRIs can repatriate their investment earnings as per the RBI guidelines. The repatriation limit is $1 million per financial year, including principal and interest earned on investments.
  • What is the difference between NRE and NRO accounts?

    An NRE bank account can be used by NRIs to deposit foreign income in Indian rupees. The interest earned on NRE accounts is tax-free, and the funds are fully repatriable. 

    NRIs can use an NRO bank account to manage their income in India. The interest earned on NRO accounts is taxable, and repatriation of funds is subject to certain restrictions.

*Past 5 Year annualised returns as on 01-05-2024
*All savings plans are provided by the insurer as per the IRDAI approved insurance plan. Tax benefit is subject to changes in tax laws. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
#The lumpsum benefit is calculated if policyholder invested ₹10000 monthly for 10 years in the fund with a policy term of 20 years. This Point To Point past performance data of last 10 years has been used to illustrate a scenario for the customers benefit. It is assumed that the past 10 years returns would have also been delivered in last 20 years. This is not guaranteed and not in anyway indicative of what the customer may actually get 20 years from now. The investment is subject to market risk and the risk is borne by the policyholder.

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