One time investment plans allow you to invest a lump sum amount at once, offering the chance for steady returns without the need for ongoing contributions. Ideal for those with extra funds, these plans provide convenience, long-term growth, and can cater to various financial goals like retirement, wealth creation, or children’s education.
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Investment Plans
Generate wealthEarn 1 Cr# in maturity with Zero LTCG tax¶
Double tax savings^On premiums (under 80C) and on maturity (under
10(10D))
A One Time Investment Plan (OTIP) is a financial strategy where an investor invests a lump sum amount in a single transaction into a financial product like mutual funds, fixed deposits, or insurance plans for a specified period. Unlike Systematic Investment Plans (SIPs), it requires no recurring contributions, providing immediate market exposure and simplifying investment management. It is a best investment plan for investors with a high risk tolerance and surplus money that is not required to fulfil immediate financial commitments.
Top 10 One-Time Investment Plans in India
The features of the best one-time investment plans are listed as follows:
Equity Funds
Are less riskier than directly investing in equity shares
Best performing mutual funds are managed by experienced professionals
Allows diversified investment portfolio
ELSS are the best one time investment plans providing high returns with market linked investments as well as tax benefits
Tax deductions allowed under Section 80C of the IT Act, 1961
Considered one of the best one time investment plan with high returns
Debt Funds
Government securities, AAA/AA rated corporate bonds are the best Debt based one time investment plans
Least riskier when compared to equity and hybrid funds
Best debt based funds provide good returns and steady gains
Attracts less tax on returns as withdrawing the funds before 36 months is considered a Short Term Capital Gain (STCG)
STCG attracts higher tax rates on aggregate as compared to Long Term Capital Gains (LTCG)
Provides guaranteed returns, unaffected by market fluctuations
Long tenure of a minimum of 15 years, which is extendable for an indefinite period by a block of 5 years
Tax benefits on investment under Section 80C of the IT Act are available with this one time investment plan
Provides tax free returns
Fixed interest rates, periodically revised by the Central Government
Loan facility of up to 25% of the deposits from 3rd Financial Year of joining the PPF plan
A nomination facility is available
Pension Plan
A one-time investment plan with monthly income, also called a single premium pension plan, allows you to invest a lump sum upfront and receive a guaranteed regular income during retirement.
These pension plans provide steady monthly, quarterly, or yearly payouts, ensuring financial stability post-retirement without the need for ongoing contributions.
You can choose when to start receiving the pension, immediately or after a deferment period. Income can last a lifetime or a fixed term.
Such plans often come with tax benefits under Section 80CCC of the Income Tax Act and may offer additional life cover for your spouse or dependents.
These plans help maintain your lifestyle after retirement by offering inflation protection and financial security without market risk.
NPS gives two types of investment choices: Active Option & Auto Option
Tax benefits u/Section 80C and Section 80CCD of the IT Act, 1961
Flexibility of investment frequency and amount
Offers the benefit of pension plan after retirement
Who Needs a One Time Investment Plan?
A one-time investment plan is ideal for individuals who have received a lump sum-such as an inheritance, bonus, or maturity proceeds-and wish to invest it efficiently. It also suits risk-tolerant investors, long-term planners (for goals like retirement or education), and seasoned investors who can capitalize on market timing
Why You Should Invest in a One Time Investment Plan
One-time investment plans allow you to deploy a substantial sum at once, giving your money immediate market exposure. This approach can maximize returns by harnessing the power of compounding over a longer period and simplifies management since you don’t need to make recurring contributions. It’s especially useful for those aiming for long-term wealth creation or wanting to capitalize on market opportunities.
Advantages & Disadvantages of One time Investment Plans
Advantages:
Immediate market exposure for potentially higher returns.
Simplified management-no need for regular payments.
Lower transaction costs due to fewer contributions.
Enhanced compounding benefits over time.
Disadvantages:
Higher exposure to market volatility-if the market drops soon after investing, losses can be significant.
Not suitable for those without surplus funds.
Requires careful timing and selection of investment options.
Longer durations generally yield better compounding benefits.
Financial goals:
Match the plan to your objectives (retirement, education, wealth creation).
Market conditions:
Timing can significantly impact returns.
Asset selection:
Choose between equity, debt, or hybrid funds based on your risk appetite and goals.
Using One Time Investment Plan Calculators
One Time Investment Plan calculators, also known as investment calculators or lumpsum calculators, are powerful tools that help you estimate the future value of your lump sum investment. By taking into account key factors such as the investment amount, tenure, and expected rate of return, these calculators use compound interest formulas to project potential returns. This makes them invaluable for effective financial planning and decision-making.
Using an investment calculator simplifies the process of understanding how your money can grow over time, helping you set realistic financial goals and choose the best investment options for your needs.
Wrapping It Up
One Time Investment Plan is an effective way to grow your wealth by investing a lump sum amount upfront. It offers the advantage of compounding returns over time with minimal ongoing effort. Using tools like lumpsum calculators helps you make informed decisions by projecting potential growth based on your investment horizon and expected returns. This approach is ideal for those seeking long-term financial goals with a straightforward, single investment strategy.
FAQs
Can I withdraw before maturity?
Yes, but it may attract exit loads or tax implications.
How to calculate returns?
Use a lump sum or investment calculator considering amount, tenure, and expected returns.
What is the ideal tenure for One time Investment Plans?
Generally, a long-term horizon (5+ years) is recommended to maximize growth and minimize market volatility impact.
How to invest Rs. 10,000 at a one-time?
To start early investing in the following best one-time investment plans is a good way to build a strong investment portfolio:
The choice of the best investment plan among Public Provident Funds (PPF) and Systematic Investment Plans (SIP) depends on your financial goals, investment horizon, and risk appetite. If you are looking for a safe, long-term investment option with guaranteed returns, PPF is a good choice. However, if you have a stronger risk appetite to gain higher returns over the long term, then SIPs may be a better option.
Can I invest only one time?
No, you can invest in the best investment plans with flexible options of a lump sum or periodic instalments. In one-time investment plans, Single Pay is allowed. While through a SIP, you can invest in periods of monthly, quarterly, half-yearly and yearly instalments.
Is a one-time investment better than SIP?
A one-time investment or SIP is better for you depending on your investment goals, risk tolerance, and investment horizon. A lump sum investment in a mutual fund is beneficial if you have a large sum of money that you want to invest in one go to take advantage of potential market gains. SIPs allow you to invest small amounts of money at regular intervals and help you average out the cost of your investment over time. This reduces the impact of market volatility on your investment.
˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
Past 10 Years' annualised returns as on 01-06-2025
^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.
*All savings 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
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CARG 8%; ₹50,45,591 @ CAGR 4%
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
**Returns are based on past 10 years’ fund performance data (Fund Data Source: Value Research).
Generate wealth Earn 1 Cr# in maturity with Zero LTCG tax¶
Double tax savings^ On premiums (under 80C) and on maturity (under 10(10D))
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