Top 20 Best Invest Options for high returns

Best invest Options in India
Best invest Options in India

For everyone, selecting the best investment options in India is not a simple task. Choosing the appropriate investment product is crucial because only this thing will guarantee your financial future. So you can easily multiply money. Therefore,Smart people are constantly looking for the greatest investment ideas in India.

It’s not always true that investments with high return rates are the greatest options; investments with moderate to low returns can still be wisely selected. The ideal investor would decide on a good debt-to-equity ratio and invest according to their risk tolerance. 

It is best to invest in low, moderate, high risk investments at one time, maybe as per your goals.

While choosing the best investment Plan, one should pay attention to the fact that risk and return come hand in hand. High return may also indicate high risk associated with the investment. Thus it is crucial to invest carefully. It is best to take help from a Certified Financial planner, rather than going to a non qualified person.

Top 20 Best Invest Options In India

Although there are many options, including FDs, mutual funds, life insurance, and real estate investing. But we’ll pick the top 20 investment plans in India.

Period Option
Direct Equity AnyAnyHighHigh
Mutual Funds 1 day – yearsLumpsum or SIPLow to highLow to high
Market linked
National Pension
( Govt. Scheme)
Upto age 60REGULAR payment
up to Retirement
Low to highLow to high
Market linked
National Saving
( Govt. Scheme)
5 yearOne time
( Govt. Scheme)
15 yearRegular compulsory
( Govt. Scheme)
5 yearOne time
RBI Floating rate
( Govt. Scheme)
7 yearone time
Sovereign Gold
8 yearOne time
NADepends on
gold rates
Senior Citizen
Saving Scheme
5 yearOne time
PMVVY -Pradhan mantri
Vaya Vandana Yojana
10 YearOne time investmentNA7.4%
Gold ETFNALumpsum or SIPLow to highDepends on
gold rates
ULIP 5 – 50 years
or more
Single or regularHighMarket linked
Bond FundsAnyLumpsum or SIPLow to HighBonds Linked
Index FundsAnyLumpsum or SIPHighMarket linked
Real EstateAnyOne Time/LoanLow to moderateLow to High
Bank Fixed DepositAll DurationOne TimeLowLow
Corporate Fixed DepositAll durationOne timeLowLow
Recurring Deposit
(Post Office)
5 yearsmonthly paymentLowModerate
Recurring Deposit
( Banks)
5 yearsMonthly PaymentLowmoderate
Best Investment Options in India

Direct Equity

Direct Equity or Equity makes you part owner of the company. Hey dude, you buy one share of the company, you become the part owner of the company.

This also means you are an equal partner in profit or loss. Since you are investing in a business, your profits could be very high or you may lose all your money.

That’s the risk with direct equity. It can be rewarding or you may lose the entire investment amount. Think like it is your own business.

Therefore, before investing , investigation is necessary.


IPO or initial public offering the money raising request from the company. Company needs money to expand its business. Thus , before moving to the stock market, the company is initially offering the public to buy shares.

Again, Investing can be highly rewarding or you may have to wait for a long time before you could make some profit.

Again, Investing can be highly rewarding or you may have to wait for long time before you could make some profit.

Top 20 Best Investment Options India

Mutual Funds

Mutual funds are the funds mobilized by the Asset management companies such as HDFC, Kotak, Dsp, ICICI Prudential, Aditya Birla Sun Life etc. These companies invest your money in stocks again, but still mutual funds possess much lower risk than stocks. 

Since, a single mutual fund scheme invests in more than 30-50 stocks at any point in time, the risk is lower. There are again a wide variety of equity mutual fund options available.

National pension Scheme

NPS is a Retirement scheme, wherein you pay till your retirement i.e. upto age 60. Post this period you have to compulsorily buy an annuity plan from a life insurance company and take pension.

Minimum 40% amount needs to be invested in an annuity scheme and the rest can be withdrawn as a lump sum.

National Pension Scheme(NPS)- All You Need To Know From Entry To Exit Rules


National Saving Certificate is a post office saving scheme. Anyone can buy NSC by paying a minimum of Rs 1000. NSC matures after completion of 5 year. The current interest rate is 6.8%.

NSC -National Saving Certificate-Feature,Interest Rate 2022


Public Provident Fund (PPF) is a Central Government of India Saving Scheme. PPF is a safe, tax saving investment option with attractive returns. The Public Provident Fund is especially popular for its safe and secure attractive returns.

A 15-year investment plan is the PPF account. Money cannot be withdrawn until 15 years have passed. You are allowed to borrow money or take a partial withdrawal from your PPF account.

For a long period of time, a Public Provident Fund guarantees safe, stable returns. For those who are risk averse, PPF is a fantastic investment plan. Further Additionally, this scheme offers investor tax benefits and diversification (EEE advantage). PPF money cannot be taken by a court order, making it safer for investors with significant debts as well.

Moreover PPF accounts become safe haven for senior citizens because of its tax free withdrawals and guaranteed safe returns.

Read more about PPF

Top 10 PPF Account Benefits-You Must KNOW


POMIS is a monthly income scheme. You can deposit a lump sum amount ( maximum 4.5 lac in one name, 9 lac in case of joint account )in any post office in India.

POMIS  is suitable for those who need regular and guaranteed  monthly income from their money.

How does POMIS work

  • Deposit a lump sum amount
  • Receive monthly payment for 5 year
  • After 5 year, deposited money is refunded

Monthly Income Scheme From Post Office -Invest In POMIS

RBI Floating Rate Bonds

The central GOI has switched out 7.75 percent bonds for the 2020 (Taxable) scheme of RBI variable rate savings bonds. These bonds will be offered starting on July 1, 2020. This time, the interest rate on these bonds will fluctuate occasionally and be a floating rate. Additionally, this implies that the interest rate will alter over time.

RBI Floating Rate Savings Bonds 2020

Sovereign Gold Bonds

A sovereign gold bond is a substitute for physical gold. You can buy sovereign gold bonds by paying cash and the bonds will be redeemed in cash on maturity. These gold bonds are issued by the Reserve Bank of India on behalf of the Government of India. The gold bonds are denominated in 1 gram of gold.

All You Need To Know About Sovereign Gold Bond Scheme 2021


SCSS is a five year Government-sponsored saving scheme for individuals of age of 60 and above. The Government of India introduced this scheme in 2004, intending to provide regular and steady income to senior citizens in India.

The SCSS account offers a competitive interest rate of 7.4% per annum to senior citizens. It is a 100% safe scheme as it is backed by GOI.

Senior Citizen Saving Scheme (SCSS)

How does SCSS work? 

Initially, you deposit a lump sum amount. You get tax deduction up to Rs 150000 under section 80C for the very first year only( no deduction if you do not deposit further).

Thereafter you will receive interest every quarter. Your principal amount is returned back to you after completion of 5 years.

Senior Citizen Saving Scheme (SCSS)

PMVVY Vs Senior Citizen Saving Scheme- Which Is Better Investment For You?


Pradhan Mantri Vaya Vandana Yojana is a LIC’s guaranteed pension scheme for senior citizens in India. Here, you deposit a lump sum amount of money and start getting a regular payout( pension) from next month. 

However, the payout depends on the payout option you have chosen at the start of the policy.

How To Open PMVVY Scheme Online

Gold ETF

Gold ETF is an exchange traded product which tracks physical gold price. Gold ETF is a passive investment which typically reflects physical gold but it also reflects the liquidity, flexibility and taxability of stock investments.


ULIP or Unit Linked Insurance plans provide the insurance cover along with investment in the market. The ULIP aims to provide market linked returns and insurance coverage at the same time. There are some low cost ULIP are also available in the market.

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Bond Funds

Mutual funds are market linked products but there is one another variety of option is also available known as bond funds or debt funds. These mutual funds typically invest in T- bills, commercial papers, Bonds and debentures.

There are a variety of bond funds available such as Banking & PSU fund, Corporate bond fund, Dynamic Bond fund, Short term Bond Fund, Long Term bond fund, medium term bond funds, liquid funds, overnight funds and more.

Index Funds

Index Funds are the funds which invest in the underlying stocks of an index. These funds aim to track the index’s return.

Real Estate

Real Estate is a typically high value transaction and gives you physical possession of a property. Real Estate returns purely depend on the location of the property.

Bank Fixed Deposit

Fixed Deposits are the safe and secure way to invest money in your own bank. There are wide duration fixed deposits available with the bank.

One can deposit money and enjoy accessibility, flexibility and easy investing through the bank.

Corporate Fixed Deposit

Corporates and housing finance companies, NBFC also offer fixed deposits. They usually provide better returns than banks. But their risk grade is a little higher than the banks.

Post Office -Recurring Deposit

RD is a famous way to deposit money on a monthly basis and get a lump sum amount at the maturity of RD duration. One can deposit in a RD and enjoy a hefty amount at a later stage.

SBI Recurring Deposit Interest Rate 2022- Features, Eligibility & Interest Rate

Recurring Deposit ( Bank)

One can also start a recurring deposit with bank. Almost all banks provide this facility. Please find below example of SBI Bank RD.

SBI Recurring Deposit( SBI RD) allows you to save money monthly. Here, you deposit a fixed monthly sum for the chosen duration and a guaranteed lump-sum amount is given at maturity.

One can open an RD account and save money for future financial goals. The maturity time can be chosen as per your comfort level.

Also Read:Latest Post Office Interest Rates July -Sep 2022

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Best invest options can be many .However, the best investment plan definition may differ from person to person. For short term investment needs one can choose safer options such as bank and corporate fixed deposit, NSC, liquid mutual funds, short term debt funds, RD or SIP in liquid or balanced mutual funds.

If your investment horizon is long enough then one may go for direct equity, index fund, equity mutual funds, IPO etc. But investment duration should be at least 5 or more years.

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