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Safe investment with high returns in India

Safe investment with high returns in India
April 29, 2021


We invest for a secure future and to meet any financial liabilities, hence it is important to invest. Investors always look for avenues and safe investment plans in India where they can build their wealth with little or no risk. But in reality, risk and returns are directly proportional, i.e the higher the returns, the higher the risk and vice versa. So your risk appetite is extremely crucial before making any investment decisions.

If you are someone looking out for safe investment options, then listed here are some of the best investment plans:

Public Provident Fund (PPF):

The Public Provident Fund is one of the most popular investments available, it offers fund protection and tax-free interest. PPF is managed by the government of India and has a tenure of 15 years and can be extended in blocks of 5 years. You can invest a minimum of Rs 500 and a maximum of Rs 1.5 lakh, which you can either invest every month or deposit a lump sum. A PPF account can be opened at any nationalised bank, a post office and few private banks selected by the government.

Bank fixed deposit (FD):

FD is comparatively a safer choice among other investments in India. It offers higher returns to investors but a slightly higher return for senior citizens and a 5-year FD also comes with tax benefits. But FDs do come with a lock-in period. And as per the need, one can opt for monthly, quarterly, half-yearly, yearly or cumulative interest payout.

National Pension System (NPS):

National Pension System (NPS) is a long term retirement scheme by the government that offers high returns because it combines investments in liquid funds, fixed deposits, and corporate bonds and accordingly the rate of interest will be applicable. You will be paid an annuity which is a fixed sum after retirement. Although there are tax implications on withdrawal and monthly pensions, 40% of the maturity proceeds are exempted from the income tax. 

Recurring Deposits (RD):

A Recurring Deposit (RD) is offered by Indian banks that allow you to make regular deposits and earn returns on them. They are an ideal investment-cum-saving instrument. The interest rates differ from various banks however they are risk-free and the period varies from 6 months to 10 years.


Investing in gold is a traditional investment. You can purchase gold jewellery, coins, and bars. Apart from purchasing gold, you can also own gold via paper gold through ETFs or sovereign gold bonds which offer great liquidity and can be held in electronic format.

Mutual Funds:

Investing in Mutual funds is not advisable for beginners unless you have a good knowledge of the share market. It is best to invest with the help of a qualified expert to invest on your behalf. It is not risk-free and a share market crash can wipe out your savings completely. But it can provide great returns to the investors over a long period of time if invested and managed wisely by a financial adviser.

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Francis Rodrigues Francis Rodrigues

Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.

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Vishal Subharwal Vishal Subharwal

Vishal Subharwal heads the Strategy, Marketing, E-Commerce, Digital Business & Sustainability initiatives at HDFC Life. He is responsible for crafting and ensuring successful implementation of the overall organisation strategy.

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