Best Investment Plan

8 mins read

Investment planning is a key aspect of financial planning, aimed at growing your savings through disciplined investments. It's important to choose the best investment plan with high returns to provide direction and make an effective strategy for achieving your financial goals in a timely manner. High-return investments can significantly boost your financial growth, helping you reach your objectives more efficiently.

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Sameep Singh
Written By: Sameep Singh
Sameep Singh
Sameep Singh Business Unit Head - Domestic Savings
Mr. Sameep Singh is a Business Unit Head for the domestic Investment Business at policybazaar.com, holding a master's from Symbiosis School of Banking & Finance. He has played a pivotal role in crafting investment and term business strategies during his tenure at Policybazaar. His exceptional leadership has been instrumental in driving both product and business growth throughout his impressive career.
Vivek Jain
Reviewed By: Vivek Jain
Vivek Jain
Vivek Jain Head of Savings business
Mr. Vivek Jain is the Business Unit Head for Investment Business at Policybazaar.com. A graduate of the prestigious IIM Calcutta he brings over a decade of invaluable experience to his current role. In his capacity as Business Unit Head, he has been a driving force behind the success of Policybazaar's Investment business. Mr. Jain is recognized for his instrumental role in product innovation within the Savings/Investment domain. His leadership and expertise have been pivotal in scaling up the Investment business, underscoring his significant contributions to Policybazaar.com's growth and success.

What is an Investment Plan?

Investment plans are financial products that help you create wealth for the future. These plans allow you to invest in different funds and schemes in a periodic or systematic way to fulfill your financial objectives.

The first step towards having an investment plan in India is to determine your financial needs and risk profile. Then choose the best investment plan that suits your needs. Some of the best investment options in India include:

  • Unit Linked Insurance Plans (ULIPs)

  • Mutual Funds 

  • Monthly Income Plans

  • Sukanya Samriddhi Yojana (SSY)

  • Senior Citizen Savings Scheme (SCSS)

  • Public Provident Fund (PPF)

  • National Pension Scheme (NPS)

  • Tax Saving Fixed Deposits (FDs)

  • Gold

  • Real Estate

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Best Investment Plans in India to Invest in 2024

Here is the list of best investment plans in India:  

Investment Plans AUM 3 years return 5 years return  10 years return 
Tata AIA Fortune Pro ₹26,272 Cr 27.23% 28.59% 22.51% Get Details
Birla Sun Life Wealth Aspire Plan ₹22,157 Cr 25.01% 21.37% 21.09% Get Details
Bajaj Allianz Smart Wealth Goal ₹26,992 Cr 23.44% 19.51% 20.39% Get Details
Max Life Online Savings Plan ₹33,767 Cr 28.29% 26.79% 20.21% Get Details
HDFC Standard Sampoorn Nivesh (11X) ₹60,861 Cr 24.77% 26.65% 19.81% Get Details
PNB Metlife Mera Wealth Plan ₹5,938 Cr 35.23% 30.62% 19.37% Get Details
Kotak Mahindra OM E-Invest ₹17,619 Cr 17.42% 18.35% 16.89% Get Details
Edelwiess Tokio Wealth Secure+ ₹1,706 Cr 25.49% 22.89% 15.69% Get Details
ICICI Prudential Signature ₹117,070 Cr 18.94% 16.76% 15.02% Get Details
AVIVA Life i-Growth ₹1,025 Cr 14.83% 15.01% 14.61% Get Details
SBI eWealth Insurance ₹85,670 Cr 13.65% 15.04% 14.38% Get Details
LIC SIIP ₹9,182 Cr 9.26% - - Get Details
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Disclaimer: “Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.”

Types of Investment Plans in India

Whether you are a seasoned investor or taking your first step towards financial planning, understanding the different types of investment plans available is important. From Unit Linked Insurance Plans to Fixed Deposits, each product offers unique benefits tailored to your risk appetite and return expectations. Understanding the various products available in the market, including the best investment plans with high returns, is essential to make informed decisions. Based on a variety of factors, we have categorized different best investment plans that will help you ensure your financial planning is effortless and rewarding.

Low-Risk Investment

Low-risk investments are those plans in which the risk element is minimal. 

Let’s take a look at some of the best low-risk investment options. These are some of the best investment plans designed for risk-averse investors.

  1. Capital Guarantee Plans

    Capital Guarantee Plans are designed to safeguard your investment while offering a stable return. With these plans, your invested capital is 100% guaranteed to be returned upon maturity. 10-year returns on Capital Guaranteed Plans can range from 12-18% per year, enhancing your guaranteed capital with growth potential. Regardless of market fluctuations, your initial investment remains secure. 

  2. Guaranteed Savings Plan

    A Guaranteed Return Plan provides dual benefits. It secures your investments with assured returns but also provides life insurance cover. Unlike the fluctuating interest rates of Fixed Deposits, which have seen a decline to around 2-2.5% in the last decade, Guaranteed Savings Plans lock in higher returns from the start. They also offer tax advantages on both premiums and returns, which Fixed Deposits lack unless they are tax-saving FDs. Additionally, the life cover and loan options against the plan add layers of financial security and flexibility, making it one of the best investment plans for long-term financial planning.

  3. Fixed Deposits

    Fixed Deposits (FDs) in India are a secure investment plan choice, with current interest rates ranging from 3% to 9% per annum, varying by bank and tenure. However, it's noteworthy that these rates have declined compared to previous years when the rates were even more higher. Despite lower returns, FDs remain a preferred option for investors seeking safety in their savings. You can use an FD calculator to calculate returns on your FD investments. 

  4. Sukanya Samriddhi Yojana

    The Sukanya Samriddhi Yojana (SSY) is a government-backed tax-saving investment plan in India designed to encourage the financial security of girl children by offering an attractive interest rate of 8.0% per annum. Investors consider this the best investment plan because of its triple tax benefit under Section 80C, with the principal, interest, and maturity amounts all exempted from tax. In contrast, child plans provided by insurance companies offer more flexibility and the potential for higher returns ranging from 7% to 9% annually. While SSY is designed for the fixed goal of a girl child's education and marriage with a lock-in period, child plans can be more versatile, with features like partial withdrawals. 

  5. Public Provident Fund (PPF)

    The Public Provident Fund (PPF) is a secure investment plan offered by the Government of India, featuring interest rates of 7.1% (Q3 of FY 2023-24). The PPF allows tax-deductible contributions under Section 80C, and both the interest earned and the maturity proceeds are tax-free. From the 6th year onwards, 50% of the balance can be withdrawn from the PPF account under certain conditions. This is the best investment plan for those seeking stable, long-term growth without exposure to high risk.

  6. Senior Citizen Savings Scheme (SCSS)

    • Attractive Interest Rates: You can earn a hearty interest rate of 8.2% per annum (Q3 FY 2023-24), one of the highest among government-backed savings instruments.

    • Ease of Access: Open an SCSS account with ease at your nearest designated bank or post office.

    • Regular Income Stream: With the Senior Citizen Savings Scheme, you enjoy the convenience of receiving interest payouts every quarter, ensuring a steady income flow.

    • Tax Efficient: You can maximize your savings with tax benefits under Section 80C of the Income Tax Act, up to ₹1.5 lakh per annum.

  7. National Pension Scheme (NPS)

    The National Pension Scheme is a government-sponsored retirement savings scheme that aims to provide financial security during the post-retirement phase with interest rates ranging from 9% to 12% per annum.  NPS offers individuals the opportunity to invest in a mix of equity, corporate bonds, and government securities, allowing for moderate risk exposure. It provides tax benefits on contributions made under Section 80C and allows partial withdrawals under certain circumstances. Moreover, for a corpus exceeding ₹5 lakh, 40% must be used to buy an annuity for a monthly pension, while the remaining 60% is given as a lump sum to the subscriber.

  8. Post Office Monthly Income Scheme (POMIS)

    The Post Office Monthly Income Scheme is a low-risk investment plan that provides regular monthly income to investors. POMIS offers an interest rate of 7.4% per annum (Q3 FY 2023-24) payable monthly and a maturity period of five years. The scheme is available at all post offices in India and allows individuals to invest a maximum of Rs. 4.5 lakh (individual account) or Rs. 9 lakh (joint account). The steady monthly income makes POMIS an appealing choice for individuals seeking regular returns without exposing their investments to market volatility.

  9. National Savings Certificate (NSC)

    National Savings Certificate is a fixed-income investment instrument issued by the Indian government. The NSC scheme works by allowing you to purchase these certificates from post offices in India for a specific amount, which accrues interest over time. It offers an interest rate of 7.7% compounded annually (Q3 FY 2023-24) and a predetermined maturity period. The interest earned on NSC is eligible for tax deductions under Section 80C, making it the best investment plan for risk-averse individuals.

  10. Gold

    Gold investment remains a cornerstone of financial portfolios, with its value appreciating by about 25% over the last five years. Investors favor diverse forms, from physical gold, which dominates nearly half of the global demand, to gold ETFs and the emerging digital gold sector. Historically, gold has offered an average annual return of 10% since 1971, often outpacing major stock indices and serving as a reliable inflation hedge. Moreover, with countries like India and China leading in the consumption of jewelry and investment, gold's cultural and economic relevance continues to thrive, and that's why gold is considered the best investment option.

  11. Real Estate 

    If you are a risk-averse investor, real estate can be one of the investment options. As we know, Indians have historically considered real estate as a favorite investment choice. A large number of investors prefer buying a piece of land or a flat over other best investment plans available in the market. However, according to experts, other options like ULIPs, stocks, and mutual funds are more likely to give better returns.

  12. RBI Taxable Bonds

    RBI taxable bonds are a type of fixed-income investment that offers investors a secure and reliable source of income. These bonds are issued by the Reserve Bank of India (RBI) and are backed by the Indian government. The principal amount invested in RBI taxable bonds is guaranteed, and interest payments are made on a regular basis. The current interest rate offered is 8.05% which is higher than any FD in the market. 

    RBI taxable bonds are a good option for investors who are looking to diversify their portfolios and reduce their overall risk.

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Medium Risk Investment

These investment plans come with a moderate level of risk and provide growth potential while accepting some market volatility. 

Some of the common medium-risk best investment plans are:

  1. Monthly Income Plans

    Monthly Income Plans, also known as MIPs, are schemes that aim to provide investors with a regular income while preserving capital. They invest about 70-80% of the portfolio in low-risk debt instruments, targeting returns of 6-8% per annum, while the remaining 20-30% is allocated to equities, which could potentially increase the yield to an overall range of 8-12% annually. Monthly income plans are suited for conservative investors looking for regular income and moderate growth.

  2. Hybrid-Debt Oriented Funds

    Hybrid-debt Oriented Funds combine the benefits of debt and equity investments. These funds invest a significant portion of their assets in debt securities while allocating a smaller portion to equities. By diversifying across both asset classes, these funds aim to provide a balance between income generation and capital appreciation. Hybrid-debt Oriented Funds are suitable for investors seeking a medium-risk profile with a relatively higher allocation to debt instruments.

  3. Arbitrage Funds

    Arbitrage Funds exploit price differences in the cash and derivative markets to generate returns. These funds simultaneously buy and sell securities in different markets to take advantage of the price differentials. As arbitrage strategies involve minimal market risk, they fall into the medium-risk category. Investors in arbitrage funds can benefit from relatively stable returns while enjoying tax advantages due to their categorization as equity funds for taxation purposes.

  4. Exchange-Traded Funds (ETFs)

    Exchange-Traded Funds (ETFs) are investment funds that are traded on stock exchanges, providing investors with exposure to a diversified portfolio of assets. ETFs can track various indices, sectors, or specific asset classes. They offer a cost-effective way to invest in a wide range of assets, including equities, bonds, commodities, and more. While the risk level of ETFs varies depending on the underlying assets, many ETFs fall into the medium-risk category, making them suitable for investors with a moderate risk appetite.

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High-Risk Investment

The high-risk investment plans are for those investors whose main focus is to have long-term capital growth. Let’s take a look at the high-risk investment plans available in the market.

  1. Unit Linked Insurance Plans (ULIPs)

    Unit Linked Insurance Plans (ULIPs) are considered to be one of the best investment options in India due to their unique combination of life insurance and investment options. The data from the past decade shows that ULIPs have delivered an average of 12-15% in 10 years, outperforming traditional endowment plans, which average around 5-6%. That's why it is considered the best investment plan for 5 years. 

    ULIPs work by allocating a portion of the premium to different funds based on the investor's risk profile and investment objectives. These funds can be large cap, mid cap, debt funds, and balanced funds. Under ULIPs, you have the option to switch your investments between high-risk, medium-risk, and low-risk funds based on market conditions and your risk appetite.

  2. Mutual Funds

    Mutual Funds have emerged as a popular investment option for millions in India. As per the latest data, the Indian mutual fund industry has witnessed a surge, with assets under management (AUM) crossing the INR 31 trillion mark. With over 2,000 schemes available across various categories, investors have the flexibility to choose from equity, debt, hybrid, and solution-oriented funds. SIPs in mutual funds continue to be a favored approach, with contributions exceeding INR 11,000 crores per month, reflecting the growing trust and preference for mutual funds as a means of wealth creation in India.

  3. Stock Market Investments

    Investing in stocks is one of the most popular high-risk investment options. And it also offers you options to choose the best investment plans with high returns. While stocks can generate substantial returns over time, they are also bound to market fluctuations and can be highly volatile and risky. Investing in individual stocks requires careful research, analysis, and the ability to withstand short-term market volatility.

  4. Initial Public Offerings (IPOs)

    Participating in IPOs can be an attractive opportunity for investors seeking high-risk, high-reward investments. IPOs allow individuals to buy company shares before they are publicly traded. While successful IPO investments can offer significant returns, there is also a risk of poor performance or the company failing to meet expectations. If you are considering investing in IPOs, it’s crucial to learn as much as you can about the company going public. Ideally, companies underwritten by reputed brokers are considered to be a safer bet. Also, you should always exercise caution and active observation while investing in IPOs.

  5. Cryptocurrencies

    Cryptocurrencies are a high-risk and high-return investment. Investments in cryptocurrency are not illegal in India. However, there is no specific legal framework for them yet. The Government of India announced a 30% tax on income from the transfer of cryptocurrencies in 2022. Crypto-trading is an attraction today due to increased awareness of cryptocurrencies, growing adoption by businesses and the potential for high returns. Nevertheless, it must be noted that cryptocurrency investments are highly volatile and speculative. 

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Benefits of Choosing the Best Investment Plans

There are many benefits of incorporating the best investment plans into your financial portfolio. Here we have explained some of the most notable benefits in detail:

Benefits of Investment PlansBenefits of Investment Plans

  • Goal-based Planning

    Investment plans allow you to set specific financial goals and create a structured plan to achieve them. Whether you're saving for your child's education, buying a house, planning for retirement, or starting a business, investment plans provide a disciplined approach to help you reach your goals within a defined time frame.

  • Wealth Creation

    Investing your money wisely can potentially generate substantial wealth over time. By putting your funds into investment vehicles such as ULIPs, stocks, bonds, mutual funds, or real estate, you have the opportunity to earn higher returns compared to traditional savings accounts. Over the long term, these investments can help you build wealth and increase your net worth.

  • Flexibility

    Investment plans offer flexibility in terms of contribution amounts and investment options. You can typically choose how much money to invest and adjust your contributions based on your financial circumstances. Moreover, investment plans offer a range of investment vehicles to suit your risk tolerance and investment preferences, allowing you to diversify your portfolio and adapt to changing market conditions.

  • Inflation Protection

    One of the significant advantages of investment plans is their potential to outpace inflation. Inflation erodes the purchasing power of money over time, reducing the value of your savings. By investing in assets that have historically provided higher returns than the inflation rate, you can mitigate the impact of inflation. Thus, it helps you maintain the value of your wealth.

  • Tax Benefits

    Investment plans like PPF, ULIP, ELSS, Sukanya Samriddhi Yojana, etc., not only provide an opportunity to accumulate wealth in the long term but also offer substantial tax-saving benefits under sections 80C and 10(10D) of the Income Tax Act.

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Factors to Consider While Choosing the Best Investment Plan in India

Navigating the landscape of investment opportunities in India requires a careful eye and a strategic mind. With India's gross domestic savings reaching over ₹41 lakh crores, the question isn't just about saving money but how to multiply it wisely. As you stand at the crossroads of decision-making, consider these important factors to guide you towards the best investment plan with high returns:

  • Define Your Financial Goals: Tailor your investment choices to meet objectives like buying a home, funding education, or retirement, and adjusting for risk based on the time horizon.

  • Mind the Costs: Watch out for fees such as management charges, brokerage fees, and loads that can reduce your returns. Opt for investments with transparent and reasonable fees.

  • Consider Your Dependents: Choose investments that secure the financial future of your dependents, ensuring enough resources for their goals.

  • Diverse Investment Options: Weigh the pros and cons of various vehicles like mutual funds, stocks, bonds, PPF, fixed deposits, real estate, and government schemes. Match them with your time frame, be it 1, 5, or 10 years.

  • Evaluate Returns vs. Inflation: Aim for investments that offer returns beating inflation to maintain your purchasing power, balancing potential rewards with associated risks.

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When Should You Start Investing?

The ideal time to start investing in the best investment plan with high returns is generally as early as possible. The power of compounding allows your investments to grow over time, and the longer your money is invested, the more it can potentially accumulate.

Here is a table of investment strategies for people in their 20s, 30s, 50s, and retirement phases:

Age Best Investment Plan with Returns Strategies
20s Start saving early and often. Aim to save at least 10% of your income. Invest in index funds or ETFs, which are low-cost ways to get broad exposure to the stock market.
30s Continue saving and investing. Increase your savings rate to 15% of your income. Consider investing in real estate or other assets that can appreciate in value over time.  At this age, you can start investing in Guaranteed Returns Plans and enjoy the benefit of low or zero risk. 
50s Start to shift your investments to more conservative assets or financial products such as whole-life ULIPs, pension plans, and bonds. This will help to reduce your risk as you approach retirement.
Retirement Your investments should be focused on generating income throughout your lifetime so that you can have a worry-free retirement. You may also want to consider investing in annuities or other income-producing assets.
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Why Should You Invest in the Best Investment Plan?

Investing is an essential step toward securing your financial future. By allocating your funds to different investment avenues, you allow your money to grow and generate returns over time. It also encourages financial discipline as you learn about the economy and make informed decisions. Whether it's for retirement, buying a home, or achieving other financial goals, investing is a powerful tool that can help you reach those milestones and create a brighter financial future.

Moreover, investing offers the opportunity to diversify your portfolio. By spreading your investments across various asset classes, such as stocks, bonds, real estate, and commodities, you can mitigate risks. This strategy enhances your chances of overall financial success while providing a cushion against market fluctuations. Plus, it helps you choose the best investment plan with higher returns.

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How to Choose the Best Investment Plan? 

When choosing the best investment plan in India, there are several factors to consider. Here are some steps to help you make an informed decision:

  • Determine your financial requirements and goals 

  • Compute the timeline of your investment to achieve every goal 

  • Assess your risk tolerance

  • Research different investment options

  • Diversify your portfolio

  • Consider professional advice and choose the best investment plan with high returns 

  • Monitor and review your investments periodically 

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Documents Required to Buy the Best Investment Plan in India

Here is a list of a few documents required to buy the best investment plan in India: 

Income Proof (any one of them) Address Proof (any one of them) Age Proof (any one of them) Identity Proof (any one of them)
For Salaried Individuals  For Self Employed  Voter ID Pan Card Aadhaar Card
Form 16 of the latest year. Form 26 AS Aadhaar Card Aadhaar Card Pan Card
The Last 3 months' bank statement shows salary credit. Income tax returns of the last 2 years are not filed in the same year along with income calculation. Passport Passport Voter ID
Income tax return for the last 2 years. In case income computation is not available: the ITR of the latest 3 years was not filed in the same year. National Population Register containing details of address, name, and Aadhaar number. Municipal Birth Certificate Passport
profit loss account and CA (certified audited) balance sheet for the last 2 years. Or any other document issued by the central government. Voter ID

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FAQ's

  • What are the best investment plans for 1 year?

    If you want to invest for a tenure of 12 months, then consider investing in some of these best investment plans for 1 year.
    Investment Plans  Ideal for
    Arbitrage Funds Suitable for investors looking for 1 year or more than 1-year investment. Offers 8% interest
    Fixed Deposits Suitable for investors, looking for a 1-year investment. Offers around 3-8% returns.
    Recurring Deposits Suitable for investors who invest monthly
    Fixed Maturity Plan Includes diverse constant earning instruments
    Post Office Deposits Investors can invest for a tenure of 1, 2, 3 & 5 years
    Debt Fund Suitable for investors looking for everyday profit.
  • What are the best investment plans for 3 years?

    Let’s take a look at the short-term investment plans for 3 years.
    Investment Plans  Ideal for
    Recurring Deposits Suitable for investors who invest monthly
    Fixed Maturity Plan Same as FDs with 3 years lock-in period
    Savings Account Suitable for investors looking for liquidity (3.5-8% returns)
    Arbitrage Funds Suitable for investors looking for more than 1-year investment. Offers 7-9% interest
    Liquid Fund Suitable for investors, looking for secured investment (4-7% returns)
  • What are the best investment plans for 5 years?

    Here is a list of the best investment plans for 5 years.
    Investment Plans  Ideal for
    Guaranteed Return Plans  Suitable for individuals who prioritize capital protection and prefer predictable, steady growth on their investments.
    Liquid Funds Suitable for investors who want to invest for 3-5 years' tenure. Offers a 7% interest rate.
    Savings Account Suitable for investors looking for liquidity (4-7% returns)
    Post-office Time Deposit Suitable for investors looking for high liquidity and investment for 1-5 years. The applicable rate of interest is 6-8%
    Large Cap Mutual Fund Offers smart returns of 10-30% to the investors for 3-5 years of tenure.
  • How to Invest 1 Lakh per month? 

    To invest 1 Lakh per month, consider diversifying your investments across asset classes like stocks, mutual funds, and fixed deposits. Set clear financial goals, assess risk tolerance, and consult a financial advisor to optimize your investment strategy for long-term wealth creation and choose the best investment plan. 
  • Where should I invest my money for a good return? 

    Consider investing your money in a diversified portfolio that includes a mix of stocks, bonds, and mutual funds. Additionally, explore investment options like real estate, index funds, or exchange-traded funds (ETFs) for potentially higher returns. It's recommended to consult with a financial advisor to tailor your investment strategy based on your goals and risk tolerance.
  • How to invest 25 Lakh rupees? 

    When investing 25 lakh rupees, consider diversifying your portfolio by allocating funds to a mix of asset classes such as ULIPs, capital guarantee plans, mutual funds, real estate, and fixed deposits. ULIPs, or Unit Linked Insurance Plans, offer a combination of life insurance and investment options, making them a viable option for long-term wealth creation.
  • What is the best option to invest money?

    The best option to invest money depends on factors such as financial goals, risk tolerance, and investment timeline. However, some commonly recommended options include stocks, bonds, mutual funds, real estate, and diversified portfolios. 
  • Which is the best investment plan in India?

    The best investment plan in India may vary depending on individual preferences and financial goals. However, some popular investment options in India include fixed deposits (FDs), Public Provident Fund (PPF), National Pension Scheme (NPS), Mutual Funds, Unit Linked Insurance Plans (ULIPs), SIPs, and stocks. 
  • Which is the best short-term investment plan?

    The best short-term investment plan depends on your specific financial goals and the duration of your investment. If you have a short investment horizon, typically less than a year, options such as high-yield savings accounts, certificates of deposit (CDs), short-term bond funds, or money market accounts can be considered. These options provide liquidity and relatively low risk. 

*Past 10 Year annualised returns as on 01-02-2024
^Tax benefit are for Investments made up to Rs.2.5 L/ yr and are subject to change as per tax laws.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
~Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
#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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