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Top High Return Investment Options in India

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When it comes to the high return investment in India, many people have a lot of queries. Such as which investments have the best returns, or they may wonder if investing in PPF will be more beneficial, or an FD is a better option to yield a high return on investment in India etc. Most individuals want to make investments that will provide them with maximum returns and minimum risk in a short time span. However, some people invest for financial security, while others invest to meet their investment objectives. To find the best way to invest money in India, you should determine your risk tolerance, financial goals, investment horizon, and cash requirements.

This is why so many people are looking for the best investment plans in India 2021. A plan that will allow them to grow their money in a matter of, let’s say, a few months or years, with high returns and lower risks. To make you understand better, here's a rundown of the best investment options in India 2021, providing you with significantly high returns.

Direct Equity

Direct equity is considered to be one of the best high return long-term investment options. Even though most investors perceive direct equity as a high-risk investment option, they can give lucrative returns. Also, it is important to consider buying the correct stocks when discussing direct equity investment plans and knowing when to enter and exit the market. Moreover, before investing in direct equity, ensure that you understand how to examine a share stock. 

Fixed Deposits (FD)

Fixed deposits are one of the most conventional fixed-pay investment options. As their name suggests, FD provides fixed returns during the investment period. Interests are paid monthly, quarterly, or annual, depending on the bank's policies. FDs come in both cumulative and non-cumulative forms, depending on the bank/ option chosen. In the non-cumulative option, interest will be paid periodically according to underwriting; however, interest will be reinvested in the cumulative option and paid at maturity.

Public Provident Fund (PPF)

Among all the best investment options in India 2021, this is one of the most secure long-term investment possibilities that you can opt for. It is a tax-free product, upto an amount of Rs. 1.5 lakhs a year, according to Section 80C of the Income Tax Act. You can open a PPF account at a bank or a post office. Apart from that, the money you invest is secured for 15 years initially, following which it can be extended for blocks of 5 years.

Senior Citizen Savings Scheme (SCSS)

For elderly citizens over the age of 60, the Senior Citizens' Saving Scheme (SCSS) is one of India's risk-free tax-saving (upto Rs. 1.5 Lakhs per annum, according to Sec 80C of Income Tax Act) investment choices. It is considered one of the greatest investment ideas for seniors because it provides them with a steady income. Plus, this plan offers a competitive interest rate of 7.4% per year, making it a highly profitable investment option.

Liquid Funds

Open-ended debt funds, often known as liquid funds, are investments in money market products such as T-bills, commercial papers, and term deposits. Liquid Funds have a maturity period of upto 3 months. It's a low-risk mutual fund programme that can mostly pay more than your bank's FDs or savings account.

Liquid funds, which has historically offered returns in the range of 7-9 per cent, are one of the best investment plans in India if you search for a short-term investment period. The mutual fund scheme's liquidity is one of the factors that make it appealing to investors.

Real Estate Investment

Real estate is one of India's fastest-growing industries, with promising potential in retail, housing, manufacturing, commercial, hospitality, and other areas. Among the available investment plans in India, purchasing a flat or plot is undoubtedly one of the best choices to make. Real estate investment functions as an asset and are regarded as one of the best long- term investment plans in India that yield significant returns.

The Golden Rule

The golden rule of sensible investing is to have a thorough awareness of the many sorts of investment opportunities available in the market. The investment goal of most individuals varies depending on their financial objectives, time horizon, and risk tolerance, among other factors. To make money grow, an individual must invest wisely in the best investment plans in India that provide attractive long-term returns.

You can choose any of the best investment plans in India if you have extra funds and wish to invest for a short period. You can get good returns by taking moderate, calculated risks while keeping your short-term financial objectives in mind.

Disclaimer:

*Tax benefits are as per the Income Tax Act, 1961, and are subject to any amendments made thereto from time to time

The article is meant to be general and informative in nature and should not be construed as solicitation material. Please read the related product brochures for exclusions, terms and conditions, warranties, etc. carefully before concluding a sale.

Make responsible financial decisions. Consult with your financial advisor before making any decisions on insurance purchase.

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