What are the Investment Options in India – You should go For?

It is always a wise action to save and invest money in some form or another. There are various investment options in India for different types of financial requirements. Among all the choices in the investment market, the long term options are the best. A long term investment option is essentially a financial plan that increases your money for over a period of 6 years or more. Let us look at some of the best options for investment that give you long term returns.

Fixed deposits

These are the simplest and most popular forms of Investment Options in India because bank fixed deposits are considered to be the safest and best options for long term investment in India. Of course the rules vary with different banks, but the fixed deposits are safe options that provide a significant amount of money on maturity. It is also advisable to opt for public sector banks to ensure that your money is in safe hands.

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National savings certificate

These are essentially Savings bonds provided by the Indian Government which also provide tax benefit under section 80C of Income tax act, 1961. The National savings certificates are part of the Indian Postal service. You can purchase these certificates from any post office in India. They are issued for five and ten year maturity and you can pledge them to banks as collateral for loans.


The Public Provident Fund is a well-known tong term investment option which offers savings and tax returns both. It was introduced by the ministry of finance in the year 1968. With the help of this savings option it became possible to mobilise small savings by offering an investment which provided reasonable returns. You need to make a minimum yearly deposit of Rs. 500 in order to open and maintain a PPF account. The maximum limit for this plan is Rs. 1.5 lakh. However, there is a lock in period to the PPF account and you can withdraw the money in whole only after the maturity period is over.

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National pension scheme

This is the best retirement plan which is meant for long term investment. The PFRDA regulates this scheme and all individuals between the age of 18 and 60 years can join it.

Diversified mutual fund

This option is best suited for people who are new to the stock market and don’t want to take risks with their money.

Mutual funds are managed by professionals.

The good mutual funds usually provide very good returns to the investor. Apart from this the mutual funds also offer liquidity, diversification, and convenience.


Life insurance is comparatively new as an investment option. Earlier life investment was mainly in the form of term insurance which only provided death benefits to the dependents of the insured person. However, in the recent decades many different investment options have been designed which provide money savings and investment options along with death benefits. Of course the most popular insurer in India is LIC, but there are many other private companies which provide well designed insurance plans and these plans provide great long term investment returns.

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