20 Best Investment Options in India in 2024

There are many financial products available in the market with different investment objectives. Choosing the best investment options for you can be a little confusing. However, it is important to make a smart investment of your hard-earned money to fulfil your immediate and long-term goals. Selecting the right investment plan can help you to achieve financial security. In this article, we will help you to understand the 20 best investment options in India in 2024 for well-informed decision-making.

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20 Best Investment Options in India in 2024

Here is a list of the best investment plans in India 2024 that you can consider adding to your financial portfolio:

Investment Options Period of Investment (Minimum) Who Can Invest? Risks Returns Offered Investment Amount Limit Tax Benefits
Unit Linked Insurance Plan (ULIP) 5 years Investors who want both wealth creation and life cover Medium to High 10-24% p.a. (depends on your choice of plan) Rs. 1000—No Limit Available u/ Section 80 C and Section 10 of the IT Act, 1961
Capital Guarantee Plans 5 years Ideal for investors having low risk tolerance and prefer the stability of returns Low to Medium 5 – 18% p.a. (depends on your choice of plan) Rs. 1000—No Limit Available u/ Section 80 C and Section 10 of the IT Act, 1961
Pension Plans 5 years Ideal for risk-averse investors with long-term investment horizon Medium to High 12 – 22% p.a. (depends on your choice of plan) Rs. 1000—No Limit Available u/ Section 80 C and Section 10 of the IT Act, 1961
Child Plans 5 years Investors who want to save for their child’s future Medium to High 14 – 22% p.a. (depends on your choice of plan) Rs. 1000—No Limit Available u/ Section 80 C and Section 10 of the IT Act, 1961
Senior Citizen Savings Scheme (SCSS) 5 years (extendable by 3 years) Senior Citizens (>60 years of age) OR Superannuation/ Voluntarily retired/ Retired Defence Personnel citizens (55-60 years of age) Nil 8.2% p.a. Rs. 1000-- Rs. 30 lakhs** Available u/ Section 80 C of the IT Act, 1961
National Pension Scheme (NPS) Up to the age of 60- 70 years (extendable by 5 years) All Resident Citizens/ NRIs/ OCIs/ PIOs between 18-70 years of age* Low to High Market-linked (9-15% p.a.) Tier I: Account opening amount:
Minimum: Rs. 500
Maximum: No Limit (Minimum deposit of Rs. 1000 per year required to keep the account active)
Tier II: Rs. 250 – No Limit
Available u/ Section 80 CCD (1), Section 80 CCD(2), and Section 80 CCD(1B) of the IT Act, 1961.
Post Office Monthly Income Scheme (POMIS) 5 years Indian Citizen Nil to Low 7.4% p.a. Single Life: Rs. 1000-- Rs. 9 lakhs Joint Life: Rs. 1000—Rs. 15 lakhs*** Nil
Public Provident Fund (PPF) Lock-in period of 15 years (extendable by 5 years) Indian Citizens with long-term investment goals Nil 7.1% p.a.  Rs. 500-- Rs 1.5 lakhs yearly Available u/ Section 80 C and Section 10 of the IT Act, 1961
RBI Saving Bonds 6 years Indian Citizens: Individuals, HUF/ Charitable Institutions/ Universities Not available to NRIs Nil 8.00% p.a. Rs. 1000—No Limit Income earned is taxable u/IT Act, 1961  Exempted from Wealth Tax u/ Wealth Tax, 1957
Bank Fixed Deposits 7 days to 10 years  Investors who don’t want to take the risk of market fluctuations Nil 4-9% p.a. Rs. 500-- Rs. 5 Crores Deductions available u/ Section 80C only for Tax-Saver FDs
Initial Public Offerings (IPO) As per your investment Profile An investor should have Demat-cum-trading account Moderate to High 8-15% (depending on performance of IPO) Decided by the investor Taxable for LTCG and STCG gains
Stock Market Trading As per your investment Profile An investor who knows to balance risk and return Very High 7- 20% (depending on performance of the assets) Decided by the investor Taxable for LTCG and STCG gains
Mutual Funds For ELSS Scheme: Minimum 3 years Investors having medium-to-high risk appetite Medium to High 8-20% p.a. Rs. 500—No Limit Tax exemptions for ELSS scheme u/ Section 80C of the IT Act, 1961.
Gold As per your investment Profile Anyone Low 13% (average returns as per 2023) Decided by the investor Taxable for LTCG and STCG gains
Real Estate As per your investment Profile Anyone Medium 6-12% p.a. Decided by the investor Taxable for LTCG and STCG gains
Real Estate Investment Trusts (REITs) As per your investment Profile Anyone Medium to high 10-15% p.a. For REITs: Rs. 10,000 Taxable as per rules specified for REITs
Cryptocurrencies NA Anyone High to very high Returns vary widely NA Profits earned are taxable at a rate of 30% p.a.
*The Government of India (GoI) increased the entry age of the NPS Scheme for senior citizens to up to 70 years in 2021. **GoI increased the investment limits in the SCSS Scheme up to Rs. 30 lakhs from Rs. 15 lakhs in Budget 2023. ***Union Budget 2023 increased the investment limits in the POMIS Scheme from Rs. 4.5 lakhs to up to Rs. 9 lakhs in Single Life Account and from Rs. 9 lakhs to up to Rs. 15 lakhs in Joint Life Account.
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Features of Best Investment Options 2024 in Detail

The key features and benefits of the best investment options with high returns in India in 2024 are as follows:

  1. Unit Linked Insurance Plan (ULIP)

    ULIP stands for Unit Linked Insurance Plans. These are a safe investment option with high returns that offer you the dual benefits of investment and life insurance.

    Features of a Unit Linked Insurance Plan (ULIP):

    • Premium Distribution: Part of the premium goes to life insurance coverage, and the remaining premium is invested in market-linked investment funds of your choice for high returns.

    • Multiple Fund Choices: Flexibility to choose from various investment funds, like-

      • Equity funds

      • Debt funds

      • Hybrid funds

      • Index funds

      • New Fund Offerings (NFOs)

    • Lock-in Period: Long-term investment options for a minimum of 5 years

    • Free Fund Switching: You can change funds without additional cost based on your strategy

    • Partial Withdrawal Facility: ULIP plans offer an option to withdraw funds after the 5-year lock-in period

    • Flexible Premium Payment Options: Pay your premium amount in a lump sum or in regular frequencies as per the following:

      • Annually

      • Half-yearly

      • Quarterly

      • Monthly 

    • Tax Benefits of ULIP: You get deductions up to Rs. 1.5 lakhs under Section 80C of the IT Act, 1961. The payouts received at the end of the policy term are also tax-free under Section 10(10D).

  2. Capital Guarantee Plans

    Capital Guarantee Plans are a type of best investment option that offers a guarantee that your initial investment will be returned to you, regardless of market performance. 

    Features of a Capital Guarantee Plan:

    • A portion of the premium is invested in low-risk funds which guarantees fixed returns at the end of policy term end.

    • Remaining premium is invested in market-linked funds for higher potential returns.

    • Offers dual benefits of capital protection and potential market-linked returns.

    • Small part of the premium ensures life coverage for the financial security of your family.

    • You can choose market-linked funds based on risk appetite and investment goals.

    • Best for individuals who seek a balance between safety and potential returns.

    • Capital guarantee plans are eligible for tax benefits under Section 80C and Section 10(10D).

  3. Pension Plans

    Pension plans are a type of insurance plan that combines the benefits of investment for retirement planning as well as life insurance protection. These are the best investment options to provide you with a regular income after retirement when you are no longer working. 

    Features of a Pension Plan:

    • Provide a guaranteed income after retirement, either immediately or deferred.

    • Helps to maintain your standard of living in retirement.

    • Allows regular contributions for a lump sum or annuity payouts.

    • Investment period of 5 – 30 years.

    • Flexible vesting age between 55 – 65 years.

    • Provides deductions of up to Rs. 1.5 lakhs under Section 80C of the Income Tax Act, 1961.

    • Additional tax benefits under Section 10(10D) of the IT Act, 1961.

  4. Child Plans

    Child Plans are also one of the best investment options that provides the benefits of both life insurance and investment. They offer a lump sum payout on maturity, which can be used to meet your child’s financial needs, such as education, marriage, or starting a business. Your child also gets a death benefit in case of your premature death.

    Features of a Child Plan:

    • Helps to build a corpus for long-term financial goals like education or marriage for your child, and insurance coverage provides financial security to your family.

    • You can choose the premium amount, fund options, and policy term as per your financial planning.

    • These are long-term best investment options with a 5-year lock-in period to promote disciplined savings.

    • The investment portion of your premium is invested in equity, debt, hybrid, or index funds for potential higher returns.

    • Child plans allow partial withdrawals in financial emergencies.

    • These investment options provide tax deductions under Section 80C and tax-free maturity proceeds under Section 10(10D) of the IT Act, 1961.

  5. Senior Citizen Savings Scheme (SCSS)

    Senior Citizens’ Saving Scheme (SCSS) is a risk-free tax-saving investment option for senior citizens (>60 years of age) available in India. It is one of the best investment options in India to make savings for old age people as it offers a regular income.

    Features of Senior Citizen Savings Scheme:

    • SCSS is a government-backed scheme, making it a safe investment option for senior citizens

    • The minimum investment amount is Rs. 1,000, and the maximum is Rs. 30 lakhs. 

    • Offers a high-interest rate of 8.2% p.a. as of November 2023.

    • A 5-year maturity period, which is extendable by 3 more years.

    • Allows premature withdrawal with a penalty fee.

    • SCSS scheme is accessible through post offices and banks across India.

    • Tax deductions of up to Rs. 1.5 lakhs under Section 80C of the Income Tax Act, 1961.

  6. National Pension Scheme (NPS)

    NPS is one of the government-backed best investment options that offer guaranteed pension benefits. The NPS fund invests in bonds, government securities, equity, and other market-linked assets as your preference.

    Features of the National Pension Scheme (NPS):

    • NPS is a voluntary retirement savings scheme that provides financial independence on  retirement.

    • NPS has two types of accounts:

      • Tier I Account: Mandatory long-term savings account without premature withdrawals

      • Tier II Account: Optional account with more flexibility for withdrawals

    • National Pension Scheme (NPS) offers two fund options:

      • Auto Choice Funds: Automatic asset allocation based on your age

      • Active Choice Funds: Customize asset allocation in equity, debt, and government securities

    • Offers various investment options, including equity, corporate bonds, government securities, and alternative assets.

    • You can claim tax deductions on your contributions under Section 80CCD(1) and Section 80CCD(1B) of the Income Tax Act, 1961.

  7. Post Office Monthly Income Scheme (POMIS)

    The Post Office Monthly Income Scheme is another of the government-sponsored best investment options that offer you a guaranteed monthly income. It is a popular scheme among retirees and other investors who are looking for a steady stream of income.

    Features of Post Office Monthly Income Scheme (PO-MIS):

    • POMIS is a fixed-income investment option offered by the Post Office.

    • Allows Minors (>10 years of age), Individuals and Joint Life Account with 2 or 3 persons

    • Allows a fixed tenure of 5 years, which is extendable by 5 years at a time up to 15 years

    • Provides monthly income at 7.4% p.a. interest

    • You can start with Rs. 1,000 to up to Rs. 15 lakhs for Single, and Rs. 30 lakhs for Joint Accounts.

    • Interest is taxable, but you can claim up to Rs. 1.5 lakhs deduction under Section 80C.

  8. Public Provident Fund (PPF)

    The Public Provident Fund (PPF) is the long-term best investment option in India. PPF offers guaranteed returns, which are declared by the Government of India on a quarterly basis.

    Features of Public Provident Fund (PPF):

    • PPF is a government-sponsored scheme that offers a secure and reliable investment option

    • The current PPF interest rate is 7.1% p.a.

    • Minimum PPF account tenure is 15 years, extendable indefinitely in 5-year blocks

    • You can invest a minimum of Rs. 500 per year, up to Rs. 1.5 lakhs annually.

    • Investments can be made in lump sum or instalments

    • Partial withdrawal of funds is allowed from the 6th policy year

    • Contributions, interest, and withdrawals are tax-free, ensuring tax efficiency

  9. RBI Savings Bonds

    RBI bonds are safe investment options with high returns in India that are available to all citizens except Non-Resident Indians (NRIs). The returns are accredited to the investor in Demat mode in their Bond Ledger Account (BLA).

    Features of RBI taxable Bonds:

    • The RBI bonds are issued at a face value of Rs. 1000 and in multiples thereof, with no upper limit

    • These investment options are non-transferable, non-tradeable, and not usable as loan collateral

    • Interest is paid semi-annually on 1 Jan and 1 Jul at 8% p.a.

    • Premature withdrawal is allowed for senior citizens above the age of 75 and for certain specified cases.

    • Interest earned is taxable under the IT Act, 1961

    • Returns on Bonds are exempted from wealth tax under the Wealth Tax Act of 1957

  10. Bank Fixed Deposits (FDs)

    Bank Fixed Deposits offer fixed returns over a specific investment tenure. These are the best investment options that offer guaranteed returns for a fixed tenure. Bank FDs are one of the safe investments with high returns in India in 2024.

    Features of Bank Fixed Deposits (FDs):

    • Bank Fixed Deposits offer stability with fixed FD interest rates and predetermined maturity period

    • FDs available for tenures from 7 days to 10 years 

    • Loan and overdraft facility is available against FD if needed

    • You can choose interest payout at maturity or regular intervals (annually, half-yearly, quarterly, or monthly)

    • Senior citizens enjoy special additional rates of 0.25-0.75% p.a.

    • FDs are insured by DICGC up to Rs. 5 lakhs per depositor per bank

    • Tax-Saver FDs allow deductions under Section 80C, up to Rs. 1.5 lakhs per financial year.

  11. Initial Public Offerings (IPO)

    An Initial Public Offering (IPO) is the first sale of company shares to the public when a company transitions from private to public ownership. Companies use IPOs to raise capital for growth, expansion, or debt reduction. 

    Features of an Initial Public Offering (IPO):

    • IPOs are the best investment options that enable companies to raise capital by selling shares to the public. 

    • The raised capital can be used for growth, debt repayment, or acquisitions

    • Companies going public list their shares on stock exchanges for public trading

    • IPOs offer potential for high returns, especially with successful companies

    • IPO shares provide liquidity through trading on stock exchanges

    • Investing in IPOs carries risk and volatility, as success post-public listing is uncertain 

    • IPOs allow founders, angel investors, and venture capitalists to invest in new companies from early on. 

  12. Stock Market Trading

    Stock Market Trading is selling or purchasing the market-linked units of publicly traded companies or commodities. Public companies are businesses that are listed on the secondary markets/ stock exchanges like NSE, BSE, and NASDAQ. You can then sell the shares of these investment options at any time on stock markets, and the price of the shares will be determined by supply and demand.

    Features of Stock Market Trading:

    • Buying a share means owning a small unit of a company

    • Stock market is highly liquid, making buying and selling of stocks easy

    • Stock market investments are volatile, influenced by economic news, corporate earnings, and investor sentiment

    • Trading in the stock market can be rewarding with significant profits from rising stock prices

    • You need a Demat account to start trading on a stock exchange

    • Stock market trading is risky, as stock prices aren't guaranteed to rise

  13. Mutual Funds

    Mutual Funds are the best investment options with high returns that allow multiple investors to pool money and invest in a diversified portfolio of market-linked instruments such as equity, debt, and money market funds. They are managed by professional fund managers who make investment decisions on your behalf.

    Features of Mutual Funds:

    • Mutual funds invest in a diversified basket of securities with the potential for high returns over the long term and reduce risk

    • They offer a variety of investment options in India, including equity, debt, and hybrid funds 

    • Mutual Funds are relatively affordable, with low minimum investment amounts due to pooling of funds.

    • These are highly liquid investment options, as you can redeem your fund units at any time.

    • Professional fund managers look after each mutual fund portfolio.

    • Equity Linked Savings Scheme (ELSS) mutual funds offer tax benefits under Section 80C of the IT Act, 1961

  14. Gold 

    Gold has a long and rich cultural significance in India, and it is often seen as a symbol of wealth, prosperity, and good luck. This cultural significance makes gold and gold-assets a popular investment for many Indians. 

    Features of Gold:

    • The best investment options in gold in India include:

      • Physical gold

      • Gold ETFs

      • Gold funds

      • Gold bonds

    • Gold and gold-assets can be easily pledged for instant loans, making it a best investment option

    • Offers high asset liquidity, as it can be easily bought and sold in markets and stock exchanges

    • Gold prices can be volatile, influenced by international factors and market sentiment.

    • It is a hedge against inflation, as its price rises when the value of currency falls.  

    • Tax implications on gold vary, with long-term and short-term capital gains tax applicable.

  15. Real Estate

    Real estate is a physical and tangible investment, including properties like land, homes, and commercial buildings. Over time, real estate can appreciate in value, offering potential capital gains. This makes it one of the investment options with high returns in India.

    Features of Real Estate:

    • Real estate prices in India have historically appreciated, making them the best investment options for long-term capital gains.

    • It can provide a steady rental income for passive income

    • Real estate is tangible that is usable for personal or commercial purposes.

    • It requires a long-term investment horizon for optimal returns.

    • These are less liquid investment options than alternatives like gold mutual funds 

    • It is considered a safe asset with high returns in 2024 in the long term

    • The Indian government offers tax benefits to real estate investors under Income Tax Act of 1961, such as:

      • Section 24(b): Deduction of interest paid on home loans 

      • Section 80C: Deductions on principal repayment of the home loan

      • Section 54: Tax exemptions on capital gains tax on sale of residential property 

  16. Real Estate Investment Trusts (REITs)

    Real Estate Investment Trusts, or REITs, are among one of the best investment options with high returns in India. Under it, you can indirectly invest in a diversified portfolio of real estate assets. REITs are traded on stock exchanges, making them a liquid investment.

    Features of Real Estate Investment Trusts (REITs):

    • REITs let both small and big investors to invest in real estate without the hassle of property management

    • These are managed by professional teams, reducing the need for hands-on property management

    • You can start investing in REITs with a minimum of Rs. 10,000

    • REITs are required to distribute at least 90% of taxable income to shareholders in the form of dividends

    • A Real Estate Investment Trusts are subject to strict regulations which require them to disclose financial information on a regular basis

    • No tax exemption benefits are available as it is a market-linked high-value investment

  17. Cryptocurrencies

    Cryptocurrency is a digital or virtual currency that is stored on an online ledger or blockchain. It is widely traded across the globe today. Cryptocurrencies are the best investment options in the modern world as they are decentralized, meaning that the transaction can not be controlled by any government, financial institution, or external entity. Crypto-trading is not illegal, but the regulatory framework is still uncertain in India.  

    Features of Cryptocurrency Investments:

    • From 1 Apr 2022, the income from the transfer of cryptocurrencies and Virtual Digital Assets (VDAs) are taxed at 30% p.a.

    • Cryptocurrencies are the investment options that can be traded globally, 24/7.

    • These are transparent assets, as all transactions are recorded on a blockchain

    • Cryptocurrencies are volatile assets, meaning that their prices can fluctuate wildly.

    • Safeguarding cryptocurrency holdings is crucial, as they are vulnerable to theft and hacking.

    • Investing in cryptocurrencies is a high-risk investment, as there is no guarantee of returns.

    • The cryptocurrency space is constantly evolving, with new coins and tokens entering the market, requiring research and due diligence.

  18. Corporate Bonds

    Corporate bonds are debt securities issued by corporations to raise capital. In India, corporate bonds are the best investment options that provide you with an opportunity to lend money to companies in exchange for regular interest payments. The principal amount is returned at the end of the maturity of the bond. 

    Features of Corporate Bonds: 

    • Corporate bonds are the best investment options that provide a fixed income through interest payments

    • These bonds have a maturity date on which the issuer must return the principal amount

    • The investment period of these investment options typically ranges between 1-10 years

    • Corporate bonds are available in a variety of maturities and credit ratings, offering flexibility

    • These bonds have potential for higher returns than other fixed-income investments, such as government bonds.

    • Corporate bonds are subject to credit risk, with a chance of issuer default on debt obligations

  19. Government Bonds

    Government bonds, also known as sovereign bonds, are debt securities issued by the Indian government to finance public spending and manage fiscal deficits. They are typically seen as safe and best investment options with high returns in India as they offer stability along with periodic income.

    Features of Government Bonds:

    • Government bonds are available in various tenures and can be purchased directly or through authorized intermediaries

    • They offer you a fixed income in the form of interest payments

    • Government bonds are tradable on the secondary market, offering liquidity

    • These are considered to be low-risk investment options, as the government is unlikely to default on its debt obligations

    • The Indian government offers a range of bonds with different maturities and features

    • They are considered low-risk compared to other best investment options like stocks or corporate bonds

  20. Peer-to-Peer Lending

    Peer-to-peer lending, also known as P2P lending, is a form of debt financing that connects individual lenders with borrowers through online platforms. P2P lending platforms are the best investment options that provide a marketplace where you can review borrower profiles, assess credit risk, and select loans based on your preferences. 

    Features of Peer-to-Peer Lending:

    • Peer-to-peer lending allows direct lending to individuals or small businesses, bypassing traditional intermediaries

    • These best investment options offer higher returns compared to savings accounts or fixed deposits

    • P2P lending in India is regulated by the Reserve Bank of India (RBI) to ensure transparency, fair practices, and investor protection.

    • Online P2P lending platforms are easily accessible for convenient investing

    • You can choose borrowers based on their risk appetite and lending preferences

    • You can support individuals or small businesses seeking loans, which contributes to financial inclusion.

Which Is the Best Investment Option For You?

The above-mentioned best investment options in India can be categorized as either market-linked or based on fixed-income investments. With various safe investments with high-return options available in India, you must be wondering where to invest your money. 

You can consider the following factors while making wise investment decisions:

  • Understand Your Financial Goals: Clarify your financial objectives, such as saving for your child’s education, buying a house, or planning for your retirement.

  • Understand Your Investment Options: Gain a thorough understanding of the roles played by different types of best investment options, for example:

    • Market-linked investment options are exposed to market fluctuations but offer a high return on investment.

    • Fixed-income investment options allow for wealth accumulation at a fixed rate of return.

  • Assess Your Risk Tolerance: Consider how comfortable you are with the possibility of losing some or all of your investment.

  • Time Horizon: Determine how long you plan to invest. Short-term goals may require different investments than long-term ones.

  • Diversify Your Portfolio: Do not put all your money into a single investment option. Diversify your portfolio by spreading your money across different asset classes, such as stocks, bonds, real estate, and fixed deposits.

  • Consider Tax Implications: Some best investment options offer tax benefits, while others may have tax liabilities.

  • Keep an Emergency Fund: Before investing, ensure you have an emergency fund with at least three to six months’ worth of living expenses. This fund acts as a financial safety net.

  • Stay Informed: These best investment options continuously educate yourself about the financial markets and investment options.

  • Start Early: The power of compounding works best when you start investing early. Even small, regular contributions can grow substantially over time.

  • Review and Adjust: You can regularly review your investment portfolio to ensure it aligns with your goals and risk tolerance.

How to Know If Your Investments Will Generate High Returns?

To determine if your investments will yield high returns, consider various factors such as the investment type, duration, and market conditions. While predicting exact returns is impossible, tools like SIP calculators will help estimate potential returns based on investment amount, duration, and expected rate of return.

Investing involves careful planning and understanding your risk tolerance. By considering these factors and using tools like SIP calculators, you can make informed decisions and increase your chances of achieving your financial goals.

Conclusion

A smart way to invest is to understand the different investment options available in the market thoroughly. However, you should always keep savings and investing separate as both serve different needs. 

In the end, choosing the best investment option becomes easy with the help of a professional and knowing your risk appetite and goals beforehand.

FAQs

  • What is the best investment plan for 1 and 5 Years?

    The best investment plans for 1 and 5 years are as follows:
    • For 5-year investment:
      • Unit Linked Insurance Plans (ULIPs) 

      • Money Back Plans

      • Child Plans

    • For 1-year investment:
      • Fixed Deposits (FDs)

      • Short-term Debt Funds

      • Senior Citizen Savings Scheme (SCSS)

  • Which investments are best for 5 years?

    The best investment options in India for 5 years are as follows:
    • Unit Linked Insurance Plans (ULIPs) 

    • Money Back Plans

    • Child Plans

    • Mutual Funds 

    • National Pension Scheme

  • What are the top 10 investment options in India?

    The top 10 investment options in India are listed below:
    • Unit Linked Insurance Plan (ULIP)

    • Capital Guarantee Plans

    • Pension Plans

    • Child Plans

    • Senior Citizen Savings Scheme (SCSS)

    • National Pension Scheme (NPS)

    • Pradhan Mantri Vaya Vandana Yojana (PMVVY)

    • Post Office Monthly Income Scheme (POMIS)

    • Public Provident Fund (PPF)

    • Gold

  • What is the safest investment?

    Some of the safest investment options in India include:
    • Capital Guarantee Plans

    • Guaranteed Return Plans

    • Public Provident Fund (PPF)

    • National Pension Scheme (NPS)

    • Bank fixed deposits (FDs)

    • Government bonds

  • Are bonds a good investment right now?

    Whether or not bonds are good investment options right now depends on your individual circumstances and financial goals. If you are looking for a low-risk investment with relatively high returns, bonds may be a good option for you. However, it is important to understand the risks involved before investing in bonds.
  • Where to invest Rs. 5 lakhs?

    You can invest Rs. 5 lakhs in the following investment options with diversification of your investments:
    • Unit Linked Insurance Plan (ULIP)

    • Capital Guarantee Plans

    • Pension Plans

    • Child Plans

    • Annuity Plans

    • Mutual Funds

    • Public Provident Fund (PPF)

    • National Pension Scheme (NPS)

    • Bank fixed deposits (FDs)

  • Which investment has the highest returns?

    The following investment options offer high returns in India:
    • Unit Linked Insurance Plan (ULIP)

    • Child Plans

    • Mutual Funds

    • Direct Equity

    • Exchange Traded Funds (ETFs)

  • Where should I invest money for the best returns?

    The best place to invest money for the best returns depends on your individual circumstances and financial goals. Some factors to consider include your risk tolerance, investment horizon, and financial goals.

    Here are some best investment options to consider:

    • Unit Linked Insurance Plan (ULIP)

    • Child Plans

    • Mutual Funds

    • Stocks

    • Exchange Traded Funds (ETFs)

    • Gold

    • Real Estate 

    • Real Estate Investment Trusts REITs)

  • How do you earn 12 percent interest?

    You can invest in the following investment options to earn a high-interest rate of 12% p.a.:
    • Unit Linked Insurance Plan (ULIP)

    • Child Plans

    • Pension Plans

    • Annuity Plans

    • Money Back Plans

    • Mutual Funds 

    • Peer-to-peer (P2P) lending

    • Corporate fixed deposits (FDs)

    • Real estate investment trusts (REITs)

Past 5 Year annualised returns as on 01-04-2024

^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 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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The State Bank of India (SBI) NRI account is designed for
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Long-Term Income Plans are strategic financial products that
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Short Term Investments Options
Short-term investments are financial assets that can be easily converted to cash within a short period, typically
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Post Office Monthly Income Scheme - MIS Interest Rate 2024
The Post Office Monthly Income Scheme is a secure and popular investment option in India, backed by the
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