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Top 10 Investment Plans In India To Get The Highest Returns
Published : January 15, 2025, 3:04 PM
Updated : July 7, 2025, 6:10 PM
Author :
kruthi
Table of Contents
Investment plans in India are helping people to grow their money over time, just like how you plant a tree and watch them grow slowly. With patience and care, your small investment today can turn into a big saving tomorrow. These plans include mutual funds, Public provident Fund (PPF), fixed deposit, National Pension Scheme (NPS) and stocks. Investment options in india suit different goals like retirement, childrem’s education or even bing a house. In 2025, investing is very important due to the rising living cost and also better tools that make it easier. It helps in building financial security, earning returns and fighting inflation. Investing is not just about saving, it is also about planning your future wisely with discipline and smart choices.
List of Best and Safe Investments with High Returns in India
Are you looking for safe and high high return investment options in India? Then, below is a quick guide that will help you to choose smartly and understand how to grow money without taking too much risk:
| Plan Type | Best For | Return Est. % | Risk Level | Lock In |
| Gold | As a safety asset, Inflation hedge | 8-10% | Low Moderate | 8 years |
| Fixed Depot (FD) | Safe Savings | 6-8% | Low | 1-10 years |
| Debt Mutual Fund | Market linked return | 6-9% | Moderate | No, Lock-In Period |
| National Pension System (NPS) | Retirement Planning | 8-10% | Moderate | 3 years |
| Public Provident Fund (PPF) | Long term savings | 7-8% | Low | 15 years |
| Direct Equity stock | High return, long term investors | 15-17% (varies) | High | 3 years |
| Equity Mutual Fund | Long term wealth creation | 12-15% | High | 3 years |
| Senior Citizen Saving Scheme (SCSS) | Retirees | 8.2% approx | Low | 5 years |
| Real Estate | Long term asset building | 8-12% | Moderate-High | 3-9 years |
| Pradhan Mantri Vaya Vandana Yojana (PMVVY) | Senior citizens aged 60+ | 7.4% | Low | 10 years |
Best Investment Scheme in India - Detailed Insight
A good investment scheme helps you grow money safely and smartly. Choosing the best way to invest money will help you to secure your future, steady return and have a peace of mind. Below are the best investment scheme in India that will help you to choose plans in a better way:
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1. Gold:
It is not uncommon for Indians to invest in gold. But most of this would be in the form of jewellery - at times, this does more damage than good. The main problem is that jewellery alone costs a large amount of money. Moreover, there is usually six to fourteen percent of ‘making charges’ applicable; they can rear up to twenty-five per cent too. A better solution for this would be to invest in gold coins or paper gold. This is a lot more cost-effective and does not carry hidden charges. Other alternatives include Sovereign gold bonds and gold mutual funds. With gold being a commodity that is easily resalable, it is a smart choice of investment.
2. Fixed Deposits (FD):
FDs are the safest investment option in India. Especially today, when the deposit insurance for amounts up to five lakh rupees is issued for both the principal and the interest amount. Initially, it was only for deposits up to one lakh rupees. You can choose yearly, half-yearly, quarterly, monthly or cumulative interest plans. The interest is added to your income and you will be taxed accordingly. FD rates that are followed by all the banks are according to the fiscal year 2023-2024.
3. Debt Mutual Funds:
Debt Mutual Fund Schemes generate a fixed flow of returns. They carry a far lesser rate of risk when compared to equity stocks and funds. But at the same time, they are not entirely risk-free either; they come with credit risk and interest rate risk. These funds are put into money market instruments like government securities, commercial papers, corporate bonds, and treasury bills. These instruments tend to provide a fixed rate of interest. Therefore, they again come down to the capabilities of your Mutual Fund Manager.
4. National Pension System (NPS):
The NPS is a combination of fixed deposits, liquid funds, government funds, equity, corporate bonds, and a few others. Since there is a long-term investment concerned, concentrated on retirement, you can choose how much you want to invest in equities through NPS. This is managed by the Pension Fund Regulatory and Development Authority.
5. Public Provident Fund (PPF):
The PPF is a long-term investment plan with a maturity of 15 years. It promises high returns due to its compounding, tax-free interest rate. Having said that, this rate is reviewed by the government quarterly. PPF ensures assured returns as its principal amount and the interest earned is backed by a sovereign guarantee.
6. Direct Equity:
This option may not be for everyone, but regardless it stands as the option that gives a high return on investment in India. Investments in stocks always have huge risk. However, if done right, they can yield giant returns. For this, you must perfectly time your entry and exit with the right stock into the market. This is not an easy task as the stock market fluctuates every second. like nobody’s business. You should do considerable research on the matter or invest via a stockbroker to reduce your chances of loss. And keep in mind, there are no guaranteed returns.
7. Equity Mutual Funds:
According to the current rules for mutual funds set by the Securities and Exchange Board of India (SEBI), at least 65% of the equity mutual fund scheme must be invested in assets in equity and other instruments related to equity. Equity Mutual Funds Schemes are investing most of the funds in equity stocks. A fund for equity can either be managed actively or passively. The returns that you will get primarily depend on the capacity of the Equity Mutual Fund Manager.
8. Senior Citizen’s Savings Scheme:
The SCSS is an option available only to senior citizens and people who have chosen to retire early. Anybody over 60 years can pick up their SCSS from their bank or the nearest post office and this remains one of the best ways to invest money in India by senior citizens. An SCSS typically lasts for a tenure of five years but after it reaches its maturity, it can be extended for an additional three years. The maximum amount that can be invested in this scheme is 15 lakh rupees which is not an issue as an individual can have multiple accounts. A downside to this scheme is the constant interest rate which is also fully taxable. However, the deductions can be claimed by senior citizens.
9. Real Estate:
One thing that never goes out of fashion is real estate - deeming it as highly illiquid. Though it may hit occasional slumps, its endgame is full of appreciation. Any property that you purchase (for any reason other than personal) may be considered a safe investment option in India. The returns on that investment depend heavily upon the location of said investment. The overall value plus the rental value of the property comes down to the location. The highest returns that you can get on real estate investment plans in India are with capital appreciation. The other option is renting out the property which provides a steady income. The con in this form of investment is the requirement of a large number of regulatory approvals and paperwork.
10. Pradhan Mantri Vaya Vandana Yojana (PMVVY):
The PMVVY is another scheme presented by the Government of India aimed towards senior citizens over 60 years. It guarantees a return on investment, which carries a ten-year maturity given at an interest rate of 7.4% per annum. This can be withdrawn on a monthly, quarterly, half-yearly, or yearly basis. The pension income that is distributed commonly ranges between Rs 1,000 to Rs 9,250 every month. Rs 15 lakh is the highest sum that can be invested in the PMVVY. If the senior citizen were to pass away, the amount is given to the nominee mentioned.
Best Long-Term Investment Plans in India
Best long term investment plans in India help build wealth slowly and steadily. When you choose from the highest return investment options, it gives you future growth, financial freedom, and a stong saving for important life goal Below are few long term investment plans to check from:
| Plan Type | Best For | Return Est. % | Risk Level | Lock In |
| Gold | As a safety asset, Inflation hedge | 8-10% | Low Moderate | 8 years |
| Fixed Depot (FD) | Safe Savings | 6-8% | Low | 1-10 years |
| National Saving Certificate (NSC) | Safe return | 7.7% | Low | 10 years |
| Unit Linked Insurance Plan (ULIPs) | Insurance +Investment Combo | 6-8% | Moderate | 5 years |
| Employee Provident Fund (EPF) | Salaried individuals | 12% | Low | 15 years |
Best Short-Term Investment Plans in India
Best short term investment plans in India help you grow money quickly with low to moderate risk. These investment plans are ideal for saving money for short term goals like travel, gadgets or emergency funds. Below are few short term investment plans:
| Plan Type | Best For | Return Est. % | Risk Level | Lock In |
| Recurring Deposit | Monthly saving habit | 5-7.5% | Low | 30 days to 3 months |
| Liquid Mutual Funds | Emergency fund, short term | 6-7% | Low | No mandatory lock in period |
| Short Term Government Bond | Capital Protection | 6-7% | Low | 1-3 years |
| Treasury Bills | Low risk investors | 6-6.5% | Very Low | 90-364 days |
| Money Market Funds | High Liquidity | 5.6.5% | Low | No Lock in Period |
Investment Opportunities in India in 2025
Investment opportunities in India in 2025, offer great potential for growth and security. From mutual funds to gold, investments have many options. Best investment options in India are listed below.
| Investment Options | Best For | Estimated Returns | Risk Level | Lock In |
| Mutual Funds (SIP) | Long term wealth creation | 10-12% | Moderate | 3-5 years |
| Stock Market (Direct) | High growth potential | 12-18% | High | No Lock in Period |
| Public Provident Fund | Safe retirement savings | 7.1% | Low | 15 years |
| Gold | Hedge against safety | 8-10% | Low-Moderate | 5-8 years |
| Real Estate (Tier2/3) cities) | Long term asset growth | 8-12% | Moderate-High | 5-10 years |
Factors to Consider While Choosing the Best Investment Plan in India
Everyone will advise you to invest wisely and read between the fine prints. Choosing the best investment plan can be tough if you don't follow the latest guidelines and rules and regulations of your country. However, there are always some factors based on which you can select a financial investment plan that suits your needs. Here are some of the most considered factors while choosing an investment plan:
- Compliance
- Volatility
- Cost & Value
- Liquidity
- Return
Based on these 5 factors, you can narrow down the best investment options in India
Why do you Need Savings and Investment Plans?
There are a lot of benefits associated with an investment plan depending on the type and tenure of the investment. The primary advantage of the best investment plan with high returns in India is that it helps you get additional profits and tax benefits. The best investment options provide a combination of savings, wealth creation, financial protection with tax benefits.
Top Strategies for Best Returns on Investment in India
- The growth investment strategy begins with conducting a thorough analysis of the market and then proceeding towards actively investing in companies whose stocks appear to have the potential to grow. It is a good strategy as the research helps narrow down good investment options hence effectively reducing risk.
- Very few people try out the active trading approach to investment as it requires them to stay on their toes constantly. Moreover, immense technical knowledge is essential to be able to predict the outcome of the investment with optimum accuracy. Those who practice this method skilfully end up making a boatload of money.
- Value investing is a technique employed by people who deal in mutual funds and also ETF investors. These people look for stocks being sold at a lower value and purchase them at a bargain. They do not spend too much time on research as this is a fast-paced market. This strategy comes with a fair amount of risk due to the lack of analysis before investing.
- Buy and Hold - Here, investors purchase stocks with the potential for growth and hold onto them until they find a favourable time to sell them. The perfect timing of their entry and exit into the market is what makes them successful. They have appropriate knowledge of the market patterns and will be able to somewhat accurately predict future returns.
- Core and satellite are a commonly used sub-type of the Buy and Hold strategy when a large number of stocks from a single company are held and broken down into different portfolios to reduce the risk.
- The Dave Ramsey Portfolio talks about his four mutual fund portfolio strategies which are simple but their effectiveness is often questioned.
- In the Modern Portfolio Theory, the investor tries to take on only the lowest level of market risk and capture maximum gains for the portfolio. This is done through the diversification theory.
- The Post-Modern Portfolio Theory builds asymmetrical portfolios based on the risk factor contrary to that of the Modern Portfolio Theory which is symmetrical. The PMPT often depends on impulses rather than analysis and other technical aspects.
- A blend of several strategies gives us the Tactical Asset Allocation. Here, the investor strives in trying to balance each portfolio with stocks, bonds, and cash to maximise portfolio returns and reduce the risk as much as possible. The main focus lies in asset allocation followed by investment selection.
How NoBroker Can Help?
Though the general saying goes “live in the present” there is no harm in being prepared for the future. Isn’t it? So, invest! Even if it seems insignificant or like a waste of funds right now, your future self will be grateful to you. Also, investment plays a huge part in the circulation of money in society. Instead of letting your funds sit idle in your bank account, you can invest them and make sure that it reaches those in need right now. That way you will be able to give back to your community. If you're ready to invest in a stable and profitable option i.e. Real Estate, you can find thousands of options to choose from on NoBroker! Just click the link below to find an ideal property to invest in.
Frequently Asked Questions
Ans: The best way to earn high returns would be by investing your funds in Equity stocks and bonds. As exciting as high returns sound, beware of the high risk that comes along with it. If you do not have the proper knowledge or guidance, you will lose most, if not all of your investment as stocks do not guarantee returns.
Ans: The best investment option in India in 2025 especially for the middle class would be the Public Provident Fund mainly because it carries a zero-risk rate. But it is a long-term investment with a maturity of 15 years. It provides decent returns and it is better to invest here than let your money remain stagnant with you.
Ans: To get the best return on investment in India every month, you can opt for the real estate option, preferably a house, and let it out on rent. It will provide a steady flow of cash every month. If you are a senior citizen above 60, you can either opt for the Senior Citizen’s Savings Scheme, the Pradhan Mantri Vaya Vandana Yojana or request monthly payouts anywhere between Rs 1,000 and Rs 9,250.
Ans: The best choice for this would be either a PPF or a FD at the bank. FDs come with good enough rates of interest and with minimal risk. It is accessible by anyone with a bank account which makes it effective and resourceful. PPF like the FD is also a long-term investment that will help regulate the flow of cash in the economy for the time being but will come back as something much bigger in the future.
Ans: The inflation-adjusted average returns have remained between five to eight percent over the last 30 years. So, a rate of return that is 6% or more is a really good start, especially if this is going towards your pension planning.
Ans: The safest investment with the highest return in India is the Public Provident Fund (PPF). It offers arouynd 7% interest and is backed by the government.
Ans: The best investment plan for beginners in India is Mutual Fund (SIP). It is easy to start and with as low as ₹100.
Ans: The long trm investment options in India include Public Provident Fund (PPF), Mutual Funds, Stocks & Real Estate. This will help to grow money and are great for future financial growth.
Ans: Yes, systematic investment Plan (SIP) is better than the fixed depot when we want something for a long term growth. SIP gives higer return than the FD, though there are ome risk.
Ans: Yes, you can invest ₹5000 monthly in India, through SIP in mutual funds, PPF, gold scheme and recurring deposit. It is smart way to grow your money.
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