There is no doubt in the fact that investment is a responsible decision. Hence, it is necessary to invest wisely. There is a good percentage of Indians who have money lying idle due to lack of awareness. People are still not aware of the different safe investment options available in the Indian market. You can now choose to buy the short-term investment plans with high returns in India online in a few easy steps.
In this article, we are going to discuss the safe investment options yielding high returns. Read through the investments carefully to have a better understanding also about the long-term investment plans with high returns. It will surely help and make you investment ready.
The Top 3 Safe Investments with High Returns
1. Public Provident Fund (PPF)
PPF – Quick Facts
| Investment type – long-term |
| Lock-in-period – 15 years |
| Minimum investment – INR 500 |
| Maximum investment – INR 1.5 lakh |
The Public Provident Fund (PPF) is a non-market linked scheme. It is known to offer guaranteed returns. It is a long-term investment scheme and has a lock-in-period of 15 years. PPF is one of the best governments backed schemes that is considered safe and yields high returns. The return expected is 7.10 percent. Also, the returns and interest earned are exempted from tax.
2. Bank Fixed Deposit
Quick Facts
| The right type of investment option for investors looking for low-risk investment. |
| Provides guaranteed returns. |
| Flexibility to do partial withdrawal. |
| There is a facility for loans. |
| Bank Fixed Deposit provides higher returns to senior citizens. |
Bank FD Deposit
One of the secure investments with good return is the Bank Fixed Deposit. Compared to the return on saving account, the return on FD is on the higher side. The rate of interest can vary depending on the term, amount, bank, and residential status. The FD has lock-in-period and is a comparatively safe investment. The return in Bank FD is guaranteed. Also, the Bank FD offers higher rates of interest to senior citizens in India. A bank gives the flexibility to withdraw his/her amount before the lock-in-period subject to certain charges. Also, an investor has the option to avail loan on his/her FD.
3. Sukanya Samriddhi Yojana (SSY)
Quick Facts |
| The rate of interest is fixed by the government |
| 7.60% is the interest rate for the financial year 2021-22. |
| It is a tax saving scheme specifically for a girl child |
| The girl child should not be above 10 years old. |
| A single account per girl child is allowed. |
| A family can secure two girl children under Sukanya Samriddhi Yojana (SSY) scheme. |
Sukanya Samriddhi Yojana (SSY)
plan is a government of India scheme launched by the Prime Minister Narendra Modi. The aim of this tax-saving scheme is the prosperity of a girl child. It is a long-term investment scheme that offers higher guaranteed return. The girl child should be 10 years old or younger in age. The minimum investment amount is INR 250 and the maximum investment amount can go up to 1.5 lakhs. The maturity under Sukanya Samriddhi Yojana is tax-free. The SSY plan matures once the girl child attains the age of 21 years. The account can be opened at any of the post offices. It can be alternatively opened online at an authorised nationalised or private bank branch.
About the Short-term Investment Plans with High Returns in India
Investors today are more concerned about the time period. People are in the hunt for short-term investment plans with high returns in India free from risks.
We have listed below the top short-term investment plans with high returns in India:
| Investments |
Annual Returns (Tentative) |
| Bank Fixed Deposits |
5-8% |
| Corporate deposits |
7-8% |
| Post-office Time Deposits |
5.5% |
| Debt Instrument |
7-11% |
| Recurring Deposits (RD) |
6-7% |
| Money Market Account |
5-9% |
Know About the Long-term Investment Plans with High Returns
When it comes to investment, people in India prefer the investment options that are safe and provide high returns. The long-term plans are a better option for high returns on investment. It helps you create wealth to meet your certain future financial goals. People generally choose long-term investment plans with high returns to fund education of children, marriage of children, retirement, or to buy properties.
Long-term Investment Plans Advantages
- Benefit of compounding
- Help you secure your family financially
- Safe investment option
- Yields high returns
- Help build corpus for self or family
Long-term Investment Plans – Key Objectives
- Plan higher education of children
- Fund marriage expenses of children
- Buying a property
- Building corpus for pension or a retirement
- Other long-term financial goals
You can choose from the below listed Long-term Investment Plans with High
Returns:
| Public Provident Fund (PPF) |
| Sukanya Samriddhi Account (SSA) |
| Bank Fixed Deposit (FD) |
| Post Office Savings Schemes |
| National Pension System (NPS) |
| Long term bonds |
Which Safe Investments Give Highest Returns
Generally, the choice for the investment can be made considering the short-term or long-term objectives. There are some investments yielding low returns, a few yield high returns on your investment. The percentage of returns depends on various factors. If you are looking for an answer to your question which safe investments give the highest returns, we have the answer to it. You can have a quick look at the few safe investments yielding the highest returns.
The List of Safe Investments Giving the Highest Returns
| Public Provident Fund (PPF) |
| Post Office Monthly Income Scheme (POMIS) |
| Atal Pension Yojana (APY) |
| Long Term Government Bonds |
| Fixed Deposits (FD) |
| National Savings Certificate (NSC) |
| Pradhan Mantri Vaya Vandana Yojana (PMVVY) |
| Senior Citizen Savings Scheme (SCSS) |
| Sukanya Samriddhi Yojana (SSY) |
Saving is a good habit and safe investments with high returns is the right choice. Making investment is a big decision and hence an investor needs to invest time researching for the varied long-term and short-term investment plans. You can alternatively avail the services offered by the financial experts. They can help you choose the different investment options online. You are sure to reap the fruit of your wise investment decision.
