20 Best Investment Options in India in 2024

Investing in the best investment options in India helps to maximize your returns and fulfill your immediate and long-term financial goals. From traditional avenues like Fixed Deposits (FDs) and gold to modern options such as Unit Linked Insurance Plans (ULIPs) and mutual funds, the Indian market offers a variety of choices based on your risk appetites and financial goals.

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What is an Investment Option in India?

An investment option in India is a financial opportunity that allows you to grow your money over time. There are many different investment plans available in India, each with its own risks and returns. The best investment option for you will depend on your individual financial goals, risk tolerance, and investment time horizon.

Policybazaar offers information on various investment options in India, including:

  • Low-Risk: They are suitable for those with a low-risk tolerance and prioritize capital preservation over high returns.

  • Medium-Risk: These investments offer the potential for higher returns than low-risk options but come with some degree of volatility.

  • High-Risk: These investments have the potential for substantial returns but also carry a significant risk of loss.

20 Best Investment Options in India in 2024

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

Investment Options Period of Investment (Minimum) Investment Objective Risk Category Returns Offered Investment Amount Limit Tax Benefits under
Unit Linked Insurance Plan (ULIP) 5 years Wealth +  Life cover Medium to High up to 17%#
p.a.
Rs. 1000—No Limit Section 80 C and Section 10
Pension Plans 5 years Low risk tolerance + Long-term investment  Medium to High up to 7% p.a.  Rs. 1000—No Limit Section 80 C and Section 10
Child Plans 5 years Save for your child’s future Medium to High up to 17%#
p.a.
Rs. 1000—No Limit Section 80 C and Section 10
Senior Citizen Savings Scheme (SCSS) 5 years (extendable by 3 years) Age >60 years; Age 55-60 years for Superannuation/ Voluntarily Retired/ Retired Defence Personnel  Nil 8.2% p.a. Rs. 1000-- Rs. 30 lakhs** Section 80 C
National Pension Scheme (NPS) Up to 60- 70 year age (extendable by 5 years) All Resident Citizens/ NRIs/ OCIs/ PIOs (18-70 year age*) Low to High Market-linked (9-15% p.a.) Tier I: Rs. 500 - No Limit (Min. Rs. 1000 per year)
Tier II: Rs. 250 – No Limit
Section 80 CCD (1), Section 80 CCD(2), and Section 80 CCD(1B)
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) 15 years (extendable by 5 years) Indian Citizens  Nil 7.1% p.a.  Rs. 500 - Rs 1.5 lakhs yearly Section 80 C and Section 10
RBI Saving Bonds 6 years Indian Resident Citizens/ HUF/ Charitable Institutions Nil 8.00% p.a. Rs. 1000—No Limit Taxable income 
Bank Fixed Deposits 7 days to 10 years  Market risk-averse Nil 4-9% p.a. Rs. 500-- Rs. 5 Crores Section 80C 
Initial Public Offerings (IPO) As per the investment profile Long-term outlook with risk-taking Moderate to High Returns vary widely Decided by the investor Taxable for LTCG and STCG
Stock Market Trading As per the investment Profile To balance risk and return Very High Returns vary widely Decided by the investor Taxable for LTCG and STCG
Mutual Funds Min. 3 years for ELSS Risk-taking appetite Medium to High up to 20% p.a. Rs. 500—No Limit Section 80C under ELSS 
Gold As per the investment Profile Anyone Low 13% Avg. Returns in 2023) Decided by the investor Taxable for LTCG and STCG
Real Estate As per the investment Profile Anyone Medium As per market standards Decided by the investor Taxable for LTCG and STCG 
Cryptocurrencies NA Anyone High to very high Returns vary widely NA Profits taxable at 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. #Returns are 10 years category average returns of the mid-cap funds category as of 25 June 2024, as per Morningstar.

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Details of Features of Best Investment Options 2024

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.

    • Part of the premium goes to life insurance coverage, and the remaining is invested in market-linked investment funds.

    • Flexibility to choose from various investment funds, like Equity, Debt, Hybrid, Index funds, and New Fund Offerings (NFOs).

    • Switch between funds based on your investment strategy without additional cost.

    • ULIP plans allow withdrawing funds after 5 year lock-in period. 

    • 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).

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  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. 

    • Invest part of your premium in low-risk funds for guaranteed fixed returns.

    • Put the rest into market-linked funds for higher potential returns.

    • Ensure family financial security with life coverage.

    • Customize investments based on your risk appetite and goals.

    • Ideal for balancing safety and potential returns.

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

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  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.

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

    • Maintains your and your family’s standard of living during retirement.

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

    • 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-free maturity benefits under Section 10(10D).

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  4. Child Plans

    Child plans are also one of the best investment options, offering 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.

    • Achieves long-term financial goals and provides family financial security.

    • Customizable premiums, funds, and terms for tailored financial planning.

    • Long-term investment with 5 year lock-in encourages disciplined saving.

    • Premiums invested in various funds for potential higher returns.

    • Child plans allow partial withdrawals in emergencies.

    • Offers tax deductions under Section 80C and tax-free maturity under Section 10(10D) of the IT Act, 1961.

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  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 for saving for old people as it offers a regular income.

    • Government-backed SCSS ensures a safe investment for senior citizens.

    • Investment Amount: Rs. 1,000 - Rs. 30 lakhs.

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

    • Premature withdrawal is allowed with a penalty fee.

    • Accessible through empanelled post offices and banks nationwide.

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

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  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.

    • NPS offers voluntary retirement savings for financial independence.

    • 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

    • Invest in equity, corporate bonds, government securities, and alternative assets.

    • Enjoy tax deductions under Section 80CCD(1) and Section 80CCD(1B) of the Income Tax Act, 1961.

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  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.

    • POMIS, from the Post Office, is a fixed-income investment option.

    • Open to Minors (>10 years), Individuals, and Joint Life Accounts.

    • Fixed tenure of 5 years, extendable up to 15 years.

    • Provides monthly income at a 7.4% interest rate.

    • Start with Rs. 1,000 up to Rs. 15 lakhs (Single) or Rs. 30 lakhs (Joint).

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

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  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.

    • PPF, a government-backed plan, offers a secure investment avenue.

    • The current PPF interest rate stands at 7.1% per annum.

    • Minimum PPF account duration is 15 years, extendable in 5-year increments.

    • You can start investing with just Rs. 500 annually, up to Rs. 1.5 lakhs.

    • Invest in a lump sum or instalments at your convenience.

    • Partial withdrawals are permitted from the 6th year onwards.

    • Contributions, interest, and withdrawals are tax-exempt, ensuring tax efficiency.

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  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).

    • RBI bonds are issued at Rs. 1000 face value and its multiples, with no upper limit.

    • These bonds cannot be transferred, traded, or used as loan collateral.

    • Interest is paid semi-annually on 1 Jan and 1 Jul at a rate of 8% per annum.

    • Premature withdrawal is permitted for individuals above 75 years and in certain specified cases.

    • Interest earned is taxable under the IT Act of 1961.

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

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  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.

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

    • FDs are available for tenures from 7 days to 10 years.

    • Loan facility against FD available.

    • Choose interest payout at maturity or regular intervals.

    • Senior citizens get extra interest.

    • Tax-Saver FDs offer deductions under Section 80C.

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  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. 

    • IPOs let companies raise funds by selling shares to the public.

    • Funds can fuel growth, repay debt, or enable acquisitions.

    • IPO shares are listed on stock exchanges for public trading.

    • They offer the potential for high returns but come with risk.

    • IPOs provide liquidity through stock exchange trading.

    • Investing early allows founders and investors to support new ventures.

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  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.

    • Buying a share means owning part of a company.

    • Stock market is highly liquid, facilitating easy buying and selling.

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

    • Trading stocks can yield significant profits from rising prices.

    • A Demat account is necessary to start trading on a stock exchange.

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

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  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.

    • Mutual funds diversify investments for potentially high returns.

    • They offer investment options like equity, debt, and hybrid funds in India.

    • Mutual funds are affordable with low minimum investment amounts.

    • They are highly liquid, allowing easy redemption of fund units.

    • Professional fund managers oversee each portfolio.

    • The risk factor and returns depend on the type of fund selected.

    • ELSS mutual funds provide tax benefits under Section 80C of the Income Tax Act, 1961.

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  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. 

    • Gold investment options in India: Physical gold, Gold ETFs, Gold funds, and Gold bonds.

    • Gold can be pledged for instant loans, enhancing its investment appeal.

    • High asset liquidity: Easily bought and sold in markets and exchanges.

    • Gold prices can be volatile due to international factors and market sentiment.

    • Acts as a hedge against inflation, rising when currency value falls.

    • Tax implications vary, with long-term and short-term capital gains tax applied.

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  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 India's investment options with high returns.

    • Real estate in India has historically appreciated, making it a top choice for long-term capital gains.

    • Offers steady rental income for passive earnings.

    • Tangible assets usable for personal or commercial purposes.

    • Less liquid compared to alternatives like gold or mutual funds.

    • Considered a safe asset with high returns in 2024 for the long term.

    • Indian government provides tax benefits under the Income Tax Act of 1961:

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

      • Section 80C: Deductions on principal repayment of home loans.

      • Section 54: Exemptions on capital gains tax from sale of residential property.

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  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.

    • REITs enable investors of all sizes to access real estate without managing properties.

    • Managed by professionals, minimizing hands-on property management.

    • Start investing with just Rs. 10,000.

    • REITs distribute at least 90% of taxable income as dividends.

    • Strict regulations ensure regular financial disclosures.

    • No tax exemption benefits; it is a market-linked high-value investment.

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  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 any government, financial institution, or external entity can not control the transaction. Crypto-trading is not illegal, but the regulatory framework is still uncertain in India.

    • Income from cryptocurrency and Virtual Digital Assets (VDAs) will be taxed at 30% p.a. from Apr 1, 2022.

    • Cryptocurrencies offer global trading 24/7.

    • Transparent assets with transactions recorded on a blockchain.

    • Volatile prices, prone to significant fluctuations. So, safeguarding holdings is crucial due to theft and hacking risks.

    • High-risk investment with no guaranteed returns.

    • Constantly evolving space with new coins and tokens, necessitating research and due diligence.

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  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. 

    • Corporate bonds offer fixed income through interest payments.

    • Maturity date requires the issuer to return the principal amount.

    • Investment period typically spans 1-10 years.

    • Available in various maturities and credit ratings for flexibility.

    • Potential for higher returns than government bonds.

    • Subject to credit risk, with chance of issuer default.

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  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 the safest and best investment options with high returns in India as they offer stability and periodic income.

    • Government bonds come in various tenures and can be bought directly or through authorized intermediaries.

    • Provide fixed income through interest payments.

    • Tradable on the secondary market, ensuring liquidity.

    • Considered low-risk investments due to unlikely government default.

    • Indian government offers bonds with different maturities and features.

    • Regarded as low-risk compared to stocks or corporate bonds.

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  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. 

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

    • Offers higher returns compared to savings accounts or fixed deposits.

    • Regulated by RBI for transparency and investor protection.

    • Online platforms provide easy access for convenient investing.

    • Choose borrowers based on risk appetite and preferences.

    • Supports financial inclusion by providing loans to individuals and small businesses.

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How to Start Investing in Best Investment Options in India in 2024?

Policybazaar is a financial marketplace that can connect you with various investment options. You can get started on the Policybazaar website through the following steps:

Step 1: Assess Your Needs and Risk Tolerance: Before choosing an investment, understand your financial goals (short-term vs. long-term) and risk tolerance (how comfortable you are with potential losses).

Step 2: Explore Investment Options: Policybazaar offers information on various investment options in India, including:

  • Low-Risk: Guaranteed Return Plans, Fixed Deposits (FDs), Sukanya Samriddhi Yojana, Public Provident Fund (PPF), Senior Citizen Savings Scheme (SCSS)

  • Medium-Risk: Capital Guarantee Plans, Debt-based Mutual Funds (SIP or lump sum)

  • High-Risk: Unit Linked Insurance Plans (ULIPs), Equity Linked Savings Schemes (ELSS), Stocks, Real Estate

Step 3: Choose Based on Your Risk Profile:  Policybazaar can help you compare different options based on their features and returns.  Choose the option that aligns with your goals and risk tolerance.

Points to Consider Before Investing in Best Investment Options in India in 2024

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

  • Financial Goals: Determine your investment goals, whether it is saving for retirement, buying a house, or education.

  • Risk Tolerance: Understand how much risk you can handle. Riskier investments can offer higher returns but also carry more uncertainty.

  • Time Horizon: Consider how long you plan to invest. Longer time horizons may allow you to take more risks.

  • Asset Diversification: Spread your investments across different assets to reduce risk. Do not put all your money in one place.

  • Costs: Be aware of fees and expenses associated with investing. High costs can eat into your returns.

  • Research: Research different investment options thoroughly before making decisions. Understand their potential returns and risks.

  • Tax Implications: Consider the tax implications of your investments. Some investments may offer tax benefits.

Estimate Returns from Your Investment Options in India

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

Conclusion

You get a diverse range of the best investment options in India, which cater to various risk appetites and financial goals. It is essential to assess your individual objectives, risk tolerance, and market conditions before making investment decisions. With careful planning and diligence, you can harness the potential of India's dynamic economy to achieve long-term financial growth.

Frequently Asked Questions

  • What is the best investment option in India?

    There is no one-size-fits-all answer. The best option depends on your financial goals, risk tolerance, and investment horizon.
  • What are some low-risk investment options in India?

    The popular low-risk investment options in India are- Guaranteed Return Plans, Capital Guarantee Plans, Fixed deposits (FDs), Public Provident Fund (PPF), and Senior Citizen Savings Scheme (SCSS) are good options for low-risk investors.
  • What are some high-risk, high-return investment options?

    Some of the high-risk and high-return investment options in India are-

    Direct equity (stocks), real estate, and small-cap mutual funds offer potentially higher returns but come with greater risk.

  • Is investing in gold a good idea?

    Gold can be a hedge against inflation, but its price fluctuates. You can consider gold bonds or ETFs (Exchange Traded Funds) for indirect gold investment.
  • What are some investment options for retirement planning?

    The most preferred National Pension Scheme (NPS) and PPF are good long-term investment options for retirement. You can also explore annuity plans for guaranteed income post-retirement.
  • What factors should I consider before investing?

    Consider your financial goals, risk tolerance, investment horizon, liquidity needs, and tax implications before choosing an investment option.
  • 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 01-07-2024

^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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