Top Investment Options With High Return in India

Best investment options with higher returns.

Whenever a person starts investing as a beginner they always want a higher return at a minimum possible risk. But nothing is free except for God's grace.

If you are still wondering why do people invest, the answer is very simple.
People invest money to meet their financial goals or to secure their future requirements. Certainly, people like to do it to meet both purposes. 

Some people think they need to work more to have more money. This is where investing comes into the picture. Investing not only in terms of money but your time, energy, mind, and body. By investing your money in the right direction, you not only value your hard-earned money but you enhance the scope of its growth.

Must Read:

What is an Investment? Investment Basics For Beginners.

After mentioning all the above thoughts, the next questions pop up in the mind of the majority of investors is. What are the probable investment options to attain financial freedom? 

Well, here I’m enlisting-

The Top 10 Best Investment Plans That You Can Think of With Higher Returns

Note: always match your risk profile with return profile before making any investments. 

1. PPF [ Public Provident Fund]

To encourage savings for the social security of employees, the government has set up various kinds of provident funds. The employee contributes a fixed percentage of his salary towards these funds and in many cases, the employer also contributes a certain amount to it. 

On 1st July 1968, Public Provident Fund was started so that self-employed people may also enjoy the benefit of deduction u/s 80C. Self-employed people like doctors, lawyers, accountants, actors, traders, pensioners.

Anyone who is interested can open their account in SBI. The subscription can be between Rs.500 and Rs.1,50,000 per annum. The subscribers enjoy the risk-free investment for the long term. The government also keeps on revising the interest rate every quarter. 
  • Maturity Period: At least 15 years or early death.
  • Withdrawal: Loan and partial withdrawal allowed.
  • Category: comes under EEE category [Exempt-Exempt-Exempt]
  • Eligible Tax Deduction: Under section 80G of Income Tax Act.   


Mutual funds are one of the best lucrative investment options available. Mutual funds investment is good for people who don’t have much knowledge or expertise in the share market. While investing in mutual funds, you give your money to some AMC who reinvest your money in various financial instruments such as debt, equity, stocks, money market funds, government bonds, stocks, etc. according to the personal requirement of an individual or identity. A return in the mutual funds depends on the performance of the fund.

Note:  An AMC refers to the asset management company that invests the pooled amount gathered from the client into various fund generating schemes. 


Broadly, mutual funds are categorized in three manners that are as follows:

An equity fund is a growth fund that invested mainly in the shares of companies. It is one of the riskiest class of mutual funds. Hence, they have the capacity to provide a higher return than any other category. Its investment takes place across different market capitalizations.
These funds are further categorized based on market capitalization size i.e. large-cap, small-cap, mid-cap, multi-cap, and more.
     Who should invest in equity funds?
  • A person who is looking for long term investment.
  • A person who wants to do it for tax saving investment.
  • A person who can take more risk.

Debt mutual funds are one of the safest modes of investment. As the investor is sure to earn an optimal return on their investment as well it is highly liquid. It is a kind of stable investment. Debt securities comprise assets like commercial paper, treasury bills, government securities, corporate bonds, and other money market instruments.
     Who should invest in debt mutual funds?
  • It is made for the risk-averse investor. Who wants to get a decent return on their investment.
  • Good alternative of FD, as there is no lock-in-period.
  • An individual who’s looking for short period investment only.

Hybrid funds are the combination of both stock and bonds. These funds are ideal for beginners or core holdings in a portfolio for diversification. These funds provide the novice adequate exposure of equity and debt without taking so high-risk in the beginning.
     Who should invest in hybrid mutual funds?
  • Individuals who want to do long term investment. 
  • Good for novice investors who want substantial exposure without taking a high risk.
  • It is a low-risk investment avenue.


A fixed deposit in banks is one of the most traditional ways of investment. Under this option, you can simply lock down your money in the bank for a period that can vary from 7 days to 10 years. A fixed deposit offers a fixed return on your investment. Hence, this feature makes it one of the safest modes of investment. The returns are payable monthly, quarterly or annually as per the bank guidelines.

While, investing in fixed deposits, the investor has the option of either making non-cumulative deposits or cumulative deposits. In non-cumulative deposits, the interest is payable as per underwriting. Whereas in cumulative deposits, the interest is reinvested into the principal amount and is payable at the time of maturity.


Investment in real estate is considered as one of the very effective modes of investment. However, the house you live in is for self-consumption and consumption can never be considered as an investment. Hence, the second property you buy can be your investment. Real estate investment can be diversified in many forms like hospitality, commercial, retail, housing, manufacturing, etc. However, the location of the property is the single most important factor governing its value. The risk in real estate is very low as the rate of the property keeps on increasing. Also, this form of investment is very illiquid in nature. 
Investors have the option to invest in commercial or residential properties or even in real estate mutual funds to get higher returns. This option generates higher returns and diversifies the assets of an investor in the longer run.


The central government of India introduced a new pension scheme for its employees on 1-1-04 which is now applicable for other employees as well. Under this system, the employees are required to contribute 10% of their monthly salary towards the notified pension account.

The investment allows its investors to invest in various market-linked instruments such as equities and debt; the final pension amount depends on returns from these investments. Employees contributing to NPS are allowed to contribute an additional amount up to Rs. 50000 p.a. and the same shall be allowed as deduction u/s 80CCD (1B). Hence, good for an investor seeking tax saving in investment. However, any amount received out of this fund by an employee or his income out of this fund by an employee or his income as pension shall be fully taxable in the year of receipt.



Investing in gold is one of the most favorite and traditional ways of investing for people of India. Even I remember my elders saying, “if you got some spare money, go buy some gold, even if it is a very small amount” as they consider it worth buying for future requirements. 
So, if you are looking for any gold investment, you can consider buying gold ETF instead of buying physical gold as it has, ‘making charges’, ‘fear of theft, ‘weight loss with time, etc. Gold ETF funds, on the other hand, are traded on the National Stock Exchange and other exchanges. It can be sold and purchased just like any other company stock. It is less volatile in terms of risk and tends to offer higher amounts of returns.


The Senior Citizen Saving Scheme is one of the best investment options available. As the name suggests, it is for senior individuals. Anyone having age above 60 can invest in it. However, an individual who has taken early retirement or VRS at the age of 55, is also eligible for this scheme. SCSS ensures a good return on investment as it is less risky. An individual can open an account by making a minimum deposit of 1000 and the maximum SCSS limit is 15 lakh. The tenure of the scheme is 5 years; it can also be extended for 3 years.


UNIP is a two in one investment plan, where the investment provides both, life cover and an opportunity to invest in market-linked equity and debt. United linked insurance plan is offered by various insurance companies. Although performance and risk entirely depend on the investment portfolio one chooses. One is free to choose and maintain its portfolio based on their requirement. Investment in ULIPs is eligible for tax benefits as well u/s 80C of the income tax up to the maximum limit of 1,50,000 rupees.



Investment in RBI taxable bonds is one of the safest investment options provided by the RBI where they guarantee the payment of interest on the principal amount. However, there are some basic requirements for investment. The minimum lock-in-period for the investment is 7 years. Also, individuals need to invest at least 1000 rupees, but there is no upper limit. These bonds are issued in Demat form. The interest rate decided by the RBI over it was 7.75% that too for a tenure of seven years. That simply means an investor is paid a maturity value of 1703 rupees for every 1000 rupees invested. The individual is provided with the option of both cumulative and non-cumulative bonds. Investments in bonds are eligible for tax deduction under section 80C of income tax.

10. Buy the luxury items whose value appreciate with time.

When it comes to investment, it can be done in more charming ways as well. Buying a brand that holds high resale value can be a smart investment. Holding on of these brands is really important as they gain value with the passage of time. There are certain brands that have an emotional value attached to them, that can be passed down from generation to generation or put away for years and pulled out only for special occasions like watches or some jewel. Here's a list of some high-end brands with the best resale value.
  • Hermès Birkin
  • Louis Vuitton’s Neverfull tote
  • Rolex GMT-Master
  • Patek Philippe’s Aquanat Travel Time
  • Cartier’s Juste un Clou Bracelet

Above all are some of the good investment options that an individual can consider while making an investment. It is really important to understand that might be in the initial stages you don't even feel like investing in various places. But, as you grow in life and you cannot hold that. Similarly, today you might have only 3,00,000 with you, but one day or another as time passes it will grow to some big number. To effectively manage that number, it is important to diversify it and make it grow in the direction that will benefit you. Just the way you cannot buy one kind of dress, again and again, you cannot accumulate your hard-earned money in one place.

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