Best Investment Options In India For High Returns to Consider in 2024-25

Here is a list of the best ways to invest money in India that you can consider adding to your financial portfolio:

“Where to invest money?” Is a question on every investor’s lips. It can be quite the task choosing where to invest money in India, as the options can be endless. 

Here are some of the best investment opportunities in India: 

Investment Options	Risk Level	Potential Returns	Liquidity	Suitable for
Real structured debt	Low	12%-20%	High	Investors who want small investments big returns
Fixed Deposits (FDs)	Low	4%-8%	Varies depending on terms	Conservative investors looking for capital preservation and regular income
Public Provident Fund (PPF)	Low to Moderate	7.1%	Low (lock-in period of 15 years)	Individuals seeking tax-efficient, long-term investments
POMIS	Low	7.1%	Moderate	Investors seeking low-risk investment with regular monthly income
Mutual Funds	Varies (based on fund type)	6%-9%	Moderate to High (depending on fund type)	Investors seeking professional management and potential for higher returns
National Pension System (NPS)	Moderate	8%-10%	Low to Medium (withdrawal restrictions apply)	Individuals planning for long-term retirement
Equity Shares	High	6.6%	High (can be bought and sold on stock exchanges)	Investors with a higher risk appetite and a long-term investment horizon
Sovereign Gold Bonds	Moderate	2.5%	Low	Individuals seeking a hedge against inflation and want fixed income
Gold	Moderate	12%	Moderate (depending on form of investment)	Individuals seeking a hedge against inflation and currency fluctuations

Note: Remember that the choice between short-term and long-term investments depends on your financial goals, risk tolerance, and investment timeline. A balanced approach often involves having a mix of both short-term and long-term investment plans to cater to different financial needs and optimise returns while managing risk. Now, I know what you must be wondering…

Best Short term Investment Options in India

There are many best short term investment options in India in 2024. Let us See in Detail.

1. Real Estate Structured Debt

Real estate structured debt is one of the best short term investment options in India. This option presents fixed income possibilities, underpinned by real estate assets used as collateral. It ranks among the top short term investment opportunities, offering robust potential for high returns in India. Through alternative investment platforms such as Assetmonk, investors can participate with a minimum investment horizon of 36 months. 

This investment avenue particularly caters to senior citizens in India, providing them with a consistent stream of monthly income in the form of fixed returns. It is also one of the best short term tax saving investment in India.

2. Derivative, Commodities & Stocks Market

Derivatives, Commodities and stocks present short-term investment opportunities are another best investment options in India for the short term with the potential for high returns. Unlike certain investments, there are no mandatory holding periods for these assets, granting the flexibility to enter and exit at will.

Nonetheless, it’s crucial to acknowledge that these investments carry substantial risks, necessitating caution. Thus, unless your risk tolerance aligns with such options, it’s advisable to stick to investments offering more stable returns.

3. Equity Mutual Funds

Investing in equity mutual funds for durations of less than five years is possible. However, considering the inherent volatility in equity markets, it’s prudent to maintain a longer investment horizon. Despite allowing withdrawals after just 12 months, early redemption may expose your capital to potential losses.

Systematic Investment Plans (SIPs) stand as a preferable mode for investing in equity funds. This approach involves regular fixed investments, leading to a lower average unit cost compared to market rates, potentially increasing profitability.

4. National Savings Certificate (NSC)

The National Savings Certificate represents a five-year deposit scheme with interest payments upon maturity. Meanwhile, if needed urgently, you can trade the certificate with other investors.

5. Corporate Deposits (CD)

Corporate deposits, albeit carrying higher risk compared to FDs or debt mutual funds, offer the prospect of higher returns. Investment durations can vary, providing flexibility.

CD exit regulations closely resemble those of bank FDs, and early withdrawals may result in a partial loss of interest earnings.

6. Debt Mutual Funds

Debt mutual funds stand as an ideal choice for investments with durations of less than five years but exceeding three years. These funds offer variable returns linked to market conditions, while many maintain capital preservation despite market volatility.

To benefit from long-term capital gain provisions, it’s advisable to hold these investments for a minimum of three years. Additionally, early withdrawals from most debt funds may incur exit load charges if made before 36 months.

7. Liquid Mutual Funds & Short-Term Funds

Liquid mutual funds, ultra-short-term funds, and money market funds constitute mutual funds that primarily invest in short-term securities. Liquid mutual funds emerge as an excellent choice for short-term investments due to specific attributes:

1. Potential for money market-linked returns.
2. High liquidity with the ability to withdraw within one business day (T+1).
3. Absence of exit charges.

If you seek higher returns over an indeterminate short period, liquid funds offer an optimal investment avenue. However, it’s important to note that capital gains from withdrawals made within 36 months of investment are added to your taxable income.

8. Recurring Deposits (RD)

Recurring deposits represent another traditional and secure investment avenue. RDs enable regular contributions of small amounts, fostering the gradual accumulation of a substantial corpus. These deposits can be initiated through your bank, using your savings account, or at post office branches.

Periodic RD deposits allow for incremental savings and the creation of a corpus over a span of 60 months.

9. Fixed Deposits (FD)

Fixed deposits rank among India’s most favored secure investment options. An advantageous aspect is the ease of initiating FDs directly via your bank account, simplifying the process of stowing away surplus funds for short durations.

In contemporary times, FDs can be opened for durations ranging from 7 days to up to 10 years. Post office FDs also provide competitive returns and feature no Tax Deducted at Source (TDS).

10. Treasury Securities

Treasury securities, commonly known as T-bills, represent government-backed short-term money-market instruments. The Reserve Bank of India (RBI) issues T-bills through open market operations (OMO). These zero-coupon bonds mature in 91, 184, or 364 days.

T-bills offer capital safety and consistent returns within a one-year maturity period, with the added benefit of tradability for swift access to funds.

Best Long Term Investment Plans in 2024

1. Public Provident Fund (PPF)

The Public Provident Fund (PPF) stands as a top-tier option among long term investment schemes, offering government-backed assurance. PPF emerges as a premier choice for individuals seeking secure, government-guaranteed, long term investment opportunities. Here are the key details:

Know more PPF

2. Employee Provident Fund (EPF)

The Employee Provident Fund (EPF) stands as a prime choice for retirement savings, with a portion of your earnings directed into a provident fund that accumulates interest over an extended period. Here are the key details:

3. Mutual Funds

Mutual funds emerged as top-tier long term investment plans with high returns within the Indian landscape, bringing together investments from a multitude of individuals to construct a diversified portfolio encompassing bonds, equities, and a range of other securities.

4. Fixed Deposits

Investing in fixed deposits through banks presents itself as a sound investment strategy, recognized for its reliability and attractive returns within the Indian context.

5. ULIPs (Unit Linked Insurance Plans)

Unit Linked Insurance Plans (ULIPs) are also another long term investment plan with high returns. It represents another compelling investment option within the Indian financial landscape. ULIPs seamlessly integrate insurance and investment, offering both life coverage and attractive investment prospects. They are tailored for long term wealth growth.

6. National Pension Scheme (NPS)

The National Pension System (NPS) stands as an attractive long term investment plan or one of the best long term investment opportunities for generating substantial returns. This voluntary pension scheme assists individuals in building a retirement nest egg by offering market-linked returns and associated tax advantages.

7. Stocks

Directly investing in the stocks of publicly traded companies presents an opportunity for potential growth in capital value alongside the prospect of receiving dividend income. It is one of the best long term investment opportunities.

8. Real Estate

Real estate is one of the best long term investment plans with high returns. Investing in real estate emerges as a premier choice among long term investment strategies, promising substantial returns and ranking as one of the most lucrative investment plans. Dabbling in residential, commercial, or rental properties offers the potential for capital appreciation and a steady rental income stream. 

Real estate constitutes a top-tier option for sustained, long term investments, with returns that tend to grow over time.

9. Gold

Investing in gold ranks among India’s top-performing long term investment plans, known for its potential for robust returns. Allocating funds into gold or other valuable metals serves as a safeguard against the eroding effects of inflation and the uncertainties of the financial market.

10. Equity Funds

Equity funds in India stand out as one of the premier long term investment options or the best long term investment in India. These funds pool money from investors and invest in a diversified portfolio of stocks. With a recommended investment horizon of five years or more, equity funds offer the potential for substantial capital appreciation over time. They are known for their ability to outpace inflation and deliver attractive returns, making them an ideal choice for individuals looking to build wealth over the long haul. .

Which Investment is the Best?

There’s no one best investment for everyone. Every money investment idea depends upon the individual investor’s risk appetite and financial goals for investment. 

So here’s the best way to invest money in India, categorised per risk levels:

High-Risk Investments:

High-risk investors in India are like savvy pioneers, keeping a close eye on the market trends and ready to seize opportunities in this vibrant and ever-changing financial landscape.

1. Mutual Funds

Mutual funds are one of the best ways to invest in India. They gather funds from numerous investors to create a well-diversified investment portfolio consisting of bonds, stocks, and various other securities.

Source:MordorIntelligence

• Tenure: 3-5 years, varies
• Minimum Investment: Varies
• Maximum Investment: No defined limit
• Average Return: 5-15 percent, Varies based on fund type and market conditions
• Risk: Moderate to High
• Taxation: Taxable (Capital Gains)
• Tax Benefits: Equity-linked Savings Scheme (ELSS) offers tax deduction under Section 80C
• Also read No more indexation benefits for debt mutual funds; what should investors do?

Note: Nearly 70% of India’s Mutual Funds Investments Came from these 5 states. The Top 4 states and a Union Territory — Maharashtra, Karnataka, Gujarat, West Bengal and New Delhi — witnessed an average growth of around 27-30% in AAUM (average assets under management) in January 2024 on a year-on-year basis, according to a report by ICRA Analytics.

2. Equity Investments

Source:efinancemanagement

Equity investment is a financial investment where you invest directly in stocks of publicly listed companies. It offers potential capital appreciation and dividend income.

• Tenure: Varies
• Minimum Investment: Varies
• Maximum Investment: No defined limit
• Average Return: 7% – 12% (historical)
• Risk: High
• Taxation: Taxable (Capital Gains)
• Tax Benefits: Long-term capital gains on equity investments are exempt up to a certain limit.

3. Initial Public Offerings (IPOs)

Participating in IPOs allows investors to buy shares of companies during their public offerings.

Source:.indiainfoline

• Tenure: Short
• Minimum Investment: Varies
• Maximum Investment: Varies
• Average Return: Varies based on company performance
• Risk: High
• Taxation: Taxable (Capital Gains)
• Tax Benefits: No specific tax benefits.

4.Peer-to-Peer Lending (P2P)

One of the best short term investment options , P2P lending platforms connect borrowers with lenders, providing an opportunity for earning interest income.

Source:wallstreetmojo

• Tenure: Short to Medium
• Minimum Investment: Varies on different platforms
• Maximum Investment: Varies on different platforms
• Average Return: 12 percent, Varies based on borrower performance
• Risk: High
• Taxation: Interest is taxable
• Tax Benefits: No specific tax benefits

5. Debt Funds

Debt funds is an investment idea where you put money in fixed-income securities like real estate-backed structured debt products that help you reap non-market-linked fixed returns.

Source:scripbox

• Tenure: Varies
• Minimum Investment: Varies
• Maximum Investment: No defined limit
• Average Return: 6%-9%, Varies based on fund type and market conditions
• Risk: Moderate to high
• Taxation: Taxable (Capital Gains)
• Tax Benefits: No specific tax benefits

6. Systematic Investment Plans (SIPs)

SIPs are one of the best ways to invest money in India. They allow regular investments in mutual funds, enabling rupee-cost averaging and reducing the impact of market volatility.

Source:fincash

• Tenure: Varies
• Minimum Investment: Rs 500
• Maximum Investment: No defined limit
• Average Return: 10-20%Varies based on fund performance
• Risk: Moderate to High
• Taxation: Taxable (Capital Gains)
• Tax Benefits: Similar to mutual funds

Also read How to Use a SIP Calculator to Plan Your Investments.

Low-Risk Investments:

• Low-risk investments are like the superheroes of financial choices – they’re all about keeping your money safe and steady. People who prefer low-risk investments are often those who don’t want to take big chances with their money, like retirees or those getting ready to retire.
• In India, some popular low-risk options are Fixed Deposits (FDs), Savings Accounts, and Government Bonds.
• If you’re a low-risk investor, you’re all about making sure your initial amount stays secure and getting reliable returns you can count on. It’s like having a financial security blanket.

7. Post Office Monthly Income Scheme (POMIS)

POMIS is a low-risk investment that provides regular monthly income.

Source:.indiapost

• Tenure: 5 years
• Minimum Investment: ₹1500
• Maximum Investment: ₹4.5 lakh (single)
• Average Return: 6.6% – 7.3% (historical)
• Risk: Low to Moderate
• Taxation: Interest is taxable
• Tax Benefits: No specific tax benefits

8. Fixed Deposits (FDs)

Fixed deposits with banks are one of the best investment options in India. It is a good investment plan.

Source:paisabazaar

• Tenure: 7 days to 10 years
• Minimum Investment: Rs.1000
•  Maximum Investment: No defined limit
• Average Return: 3% – 6% (approx.)
• Risk: Low
• Taxation: Interest is taxable
• Tax Benefits: No specific tax benefits

9. Public Provident Fund (PPF)

PPF is one of the best long term investment options. It is a great investment scheme, with the added bonus that it is guaranteed by the government.

Source:canarahsbclife

• Tenure: 15 years
• Minimum Investment: ₹500
• Maximum Investment: ₹1.5 lakh/year
• Average Return: 7% – 8% (historical)
• Risk: Low
• Taxation: Tax-free (EEE – Exempt, Exempt, Exempt)
• Tax Benefits: Tax deduction under Section 80C

10. Employee Provident Fund (EPF)

If you want to invest money to get good returns, EPF provides for a retirement savings scheme where a portion of your salary is contributed towards a provident fund, which earns interest over time.

Source:canarahsbclife

• Tenure: Long
• Minimum Investment: 12% of Salary
• Maximum Investment: ₹2.5 lakh/year
• Average Return: 8.5% – 9.5% (historical)
• Risk: Low
• Taxation: Taxable (Withdrawal)
• Tax Benefits: Tax deduction under Section 80C, interest earned is exempt

11. National Pension Scheme (NPS)

NPS is a great financial investment, especially if your money investment plan is catered towards the long term and retirement.

 It is a voluntary pension scheme that helps individuals save for retirement, providing market-linked returns and tax benefits.

Source:.canarahsbclife

• Tenure: Long
• Minimum Investment: ₹500
• Maximum Investment: No limit
• Average Return: 8% – 10% (approx.)
• Risk: Moderate
• Taxation: Taxable (Withdrawal)
• Tax Benefits: Additional tax deduction under Section 80CCD(1B)

12. Sovereign Gold Bonds (SGBs)

SGBs are government-issued bonds that track the price of gold, offering the benefits of both gold and fixed-income investments.

Source:investify

• Tenure: 8 years
• Minimum Investment: 1 gram of Gold
• Maximum Investment: 4 kg of Gold/year
• Average Return: 2.5% fixed rate + Gold price changes
• Risk: Low to Moderate
• Taxation: Interest is taxable, exempt from Capital Gains

13. National Savings Certificates (NSC)

NSC is a government savings bond that provides fixed returns over a specified period.

Source:canarahsbclife

• Tenure: 5/10 years
• Minimum Investment: ₹1000
• Maximum Investment: No limit
• Average Return: 6.8% – 7.6% (historical)
• Risk: Low to Moderate
• Taxation: Interest is taxable
• Tax Benefits: Tax deduction under Section 80C

14. Commercial Real Estate Structured Debt

The question remains: Where to invest money to get good returns? And out of all the options we’ve given, which investment is the best? Let’s talk about structured debt, an alternative investment option in India.

•  Structured debt backed by real estate is an alternative financial investment. It offers fixed-income opportunities through collateralized real estate assets.
• It is one of the best short term investment options with high returns in India. Via alternative investment platforms like Assetmonk, the minimum period for investment is 36 months.
• It is one of the best investments for senior citizens in India offering regular monthly and fixed income.

• Tenure: 36 months
• Minimum Investment: Rs. 10 lakhs
• Maximum Investment: No cap
• Average Return: 12% – 20% (approx.)
• Risk: Low-None
• Taxation: Interest is taxable
• Tax Benefits: Claim tax benefits up to Rs.50k

Medium-Risk Investments:

• Medium-risk investments are like the cool adventurers in the financial world – they find the perfect balance between possible gains and just the right amount of excitement.
• These are great for folks who are in it for the long haul. If you’re up for some middle-ground fun, check out options like Mutual Funds, National Pension System (NPS), and Real Estate. Medium-risk investors want a mix of stability and growth in their investments.

15. Unit-Linked Insurance Plans (ULIPs)

ULIPs are another best investment option in India. ULIPs combine insurance and investment, providing life coverage and investment opportunities. It is a long term investment option with high returns. ULIP provides the best investment plan for 5 years.

Source:canarahsbclife

• Tenure: 5 years
• Minimum Investment: Rs 1,500
• Maximum Investment: No defined limit
• Average Return: 12 percent
• Risk: Moderate to High
• Taxation: Tax-free (EEE after 5 years)
• Tax Benefits: Tax deduction under Section 80C

16. Real Estate

Real estate is probably one of the best long term investment options with high returns, providing one of the best ROI in India. Investing in residential, commercial, or rental properties offers potential capital appreciation and rental income.

Real estate is one of the best long term investment plans. The longer your investment is for, the more your returns are.

• Tenure: Long
• Minimum Investment: High
• Maximum Investment: No defined limit
• Average Return: 10 percent
• Risk: Moderate to High
• Taxation: Taxable (Capital Gains)
• Tax Benefits: Long-term capital gains on real estate can have indexation benefits.

17. Gold and Precious Metals

Gold is one of the best investments in india. Investing in gold or other precious metals provides a hedge against inflation and market uncertainties.

• Tenure: Varies
• Minimum Investment: Varies
• Maximum Investment: No defined limit
• Average Return: Varies based on gold prices
• Risk: Low to Moderate
• Taxation: Taxable (Capital Gains)
• Tax Benefits: Gold Monetization Scheme offers potential tax benefits on interest earned.

18. RBI taxable bonds

The Government of India periodically issues RBI Taxable Bonds to raise funds for various projects. These bonds are safe and secure and offer assured returns over the tenure. Investors can preserve their capital while earning returns

19. Sukanya Samriddhi Yojana (SSY)

Sukanya Samriddhi Yojana is an investment scheme designed by the Government of India, which is aimed at the betterment of girl child in India. It was launched to help parents build a corpus for higher education and other expenses of their girl child.

Documents Required For Investment

Here are Top required documents such as 

Aadhar,

PAN,

KYC documents,

bank details,

Photo identity … etc.

Conclusion

I hope after this exhaustive guide, you’re not still wondering: Where to invest money in India? 

Investing is a vital tool for growing wealth, achieving financial goals, and securing your future. By understanding the various india investment options, assessing risk, diversifying your portfolio, and planning wisely, you can navigate the investment landscape with confidence. Remember to consider your unique circumstances, get expert advice when needed, and start investing early to maximise your potential returns.

Assetmonk is one of the best alternative investment platforms in India. At Assetmonk, we specialize in offering personalized support and carefully selected real estate-backed fixed-income investment products. These are the best guaranteed return investments plan and small investments and big returns investments. You can invest with just Rs. 10 lakhs.

Our focus is on providing an exceptional Internal Rate of Return (IRR) of 17% by tapping into growing private markets worldwide. We prioritize security and stability, aiming to safeguard investor interests regardless of external circumstances. With optimism for a brighter future, we emphasize making well-informed decisions to protect and grow investment portfolios. So, if you are looking for the best investment plan with high returns, contact Assetmonk.

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FAQs About Choosing the Best Investment Options in India

1.What Are the Best Investment Options for Good Return? A. Best Investment options for Good Return are: Real estate structured debt, National Pension Scheme (NPS) SIPs, Fixed Deposits (FDs)

2. Is It Good to Choose Long Term Investment Options? A.  Long-term investments, such as stocks and Real estate structured Debt, provide higher returns compared to short-term investments. They offer the potential for capital appreciation and higher yields, especially during periods of economic growth.

3.What Are the Risk Factors I Should Consider While Selecting Investment Options? A. 5 key factors to check before choosing an investment plan:1. Return on Investment (ROI)2. Time to Goals3. Cost4. Liquidity5. Tax Considerations

4.What Are the Best Investment Options for Tax Saving in India? A. Best Investment options for Tax Saving in India are: Unit Linked Insurance Plans (ULIP)Real estate Structured Debt, Public Provident Fund (PPF)National Pension System (NPS)Structured debt real estate is one of the best investment options for Tax Saving. Via alternative investment platforms like Assetmonk, you can get an assured IRR of 17 percent. Furthermore, Investors have the opportunity to benefit from potential tax savings of up to Rs. 50,000.

5.What is the difference between a savings plan and an investment plan? A. Saving money typically implies putting an amount aside for later use without facing any risk of losing its value. On the other hand, investments consider a long-term strategy for a particular financial objective. The most foundational difference between savings and investment plans is Risk.

6.Why Should I opt for an Investment Plan? A. Plans for investments and savings assist you in building up money over time. You can select the investment period based on the kind of financial goal you have, whether it be long-term, mid-term, or short-term. It is not necessary to stay invested in saving plans for at least 5 years. Real estate structured debt investments has a Lock-in period of just 36 months and you can additionally avail tax benefits up to Rs. 50, 000.

7.Should I opt for a Short-term or Long-term Investment Plan? A. If you want to preserve your capital and are happy with moderate returns then choose short term investments. However, if achieving higher returns is your aim, then you should make long-term investments.Though it is important to consider your income, needs, and risk-appetite before you make an informed decision to choose between a Short-term or Long-term Investment Plan.

8. How much can I withdraw from my investments? A. An investment in an open end scheme can be redeemed at any time. Redeemable investments are unrestricted unless they have a lock-in period like in an Equity Linked Savings Scheme (ELSS), there is a 3-year lock-in period from the date of investment.

9.What is the safest investment with highest refund? A. Real estate Structured Debt is the safest investment with the highest refund which offers an assured IRR of 17%.

10. What is the 72 rule in investing? A. A calculation known as the Rule of 72 determines how long it will take to double your money at a given rate of return. If, for example, your account earns 6 percent, divide 72 by 6 to get the number of years it will take for your money to double. In this case, 12 years. Years to double = 72 / rate of return on investment (or interest rate)

11.How can I grow my money fast? A. Best ways one can grow his money to its full potential are: Say No to Debt. Be Consistent in your Investment Start Early Invest Smartly Diversify your Investments Investing in Real estate Structured Debt is one of the fastest, most efficient and most effective ways to grow wealth over the long haul.

12. What is the safest investment? A. Bank Fixed Deposit (FD) and Real Estate Structured Debt are the safest investment option with assured returns. Real estate structured Debt offers an assured IRR of 17%.

13. How can you double your investment in five years? A.  Real estate is an investment option which is capable of doubling your money in a period as low as 5 years. It provides for a stable cash flow as you can rent the property and is far more predictable from any other investment options. For example if you wanted to double an investment in 5 years, divide 72 by 5 to learn that you’ll need to earn 14.4% interest annually on your investment for 5 years: 14.4 × 5 = 72.Real estate structured Debt offers an assured IRR of 17%.

14. What is the best investment plan for 1 and 5 Years? A. Best One-Year Investment Plans, Some of the best one-time investment plans for 1 year are as follows: Fixed Deposits, Mutual Funds, Post-office term deposits, Best Investment Plan for 5 Years. Some of the best one-time investment plans for 5 year are as follows: ULIPs, PPF and EPF 5-Year Fixed Deposits ,Stocks

15.Which investments are best for 5 years? A.  ULIPs, PPF and EPF, Stocks, NPS (National Pension Scheme)Investors may also consider investing Real Estate Structured Debt which offers an assured IRR of 17% and a lock-in period of just 36 Months.

16. What are the top 10 investment options in India? A. Top 10 investment options in India are: Real estate structured debt, FDs, PPF, NPS, Pradhan Mantri Vaya Vandana Yojana, Mutual Funds, Debt Funds, Systematic Investment Plans (SIPs),Unit-Linked Insurance Plans (ULIPs),Gold and Precious Metals

17.What is the safest investment? A. Real Estate Structured Debt is the safest investment option with assured IRR of 17% via alternative investment platforms like Assetmonk.

18. Are bonds a good investment right now? A. Because of the low interest rate environment, many investors have been hesitant to hold bonds for years, but that shouldn’t be the case anymore. One challenge presented by the current environment is the inverted yield curve, which means long-term yields are lower than short-term yields. In the past, investors would require greater yields in exchange for lending their money for longer durations, but that isn’t the case right now. Ultimately, the decision on whether or not to hold bonds and in what amount will depend on the unique circumstances of each individual investor. But the rise in interest rates has made bonds more attractive than they’ve been in over a decade.

19. Which investment has the highest returns? A. Real Estate Structured Debt has the highest returns with  an assured IRR of 17% and additional tax benefits upto 50,000.

20. Where should I invest money for the best returns? A. Real estate is an investment option for best returns. It provides for a stable cash flow in the form of rentals and is less volatile to market fluctuations than any other investment options.

The best investment options in India are diverse and cater to various investment objectives, risk levels, and time horizons. Here are some of the top investment options in India, categorized based on low, medium, and high-risk levels:

Low-Risk Investment Options:

1. Fixed Deposits (FDs): FDs are a traditional and low-risk investment option offered by banks. They provide guaranteed returns, and the interest rate is fixed throughout the investment period.
2. Public Provident Fund (PPF): PPF is a government-backed savings scheme with a long-term investment horizon. It offers tax benefits and guaranteed returns.
3. Money Market Funds: These are low-risk debt mutual funds that invest in short-term fixed-income securities.
4. Municipal Bonds: These are debt instruments issued by state or local government bodies to raise capital for infrastructure projects.
5. Certificate of Deposits (CDs): CDs are time deposits offered by banks, providing a fixed interest rate for a fixed period.

Medium-Risk Investment Options:

1. Equity Mutual Funds: These are mutual funds that invest in a diversified portfolio of stocks, aiming for higher returns than debt funds.
2. National Pension System (NPS): NPS is a government-backed pension scheme that invests in a mix of equity, debt, and government securities.
3. Debt Mutual Funds: These are mutual funds that invest in fixed-income securities like government bonds, corporate bonds, and money market instruments.
4. Balanced Mutual Funds: These are mutual funds that invest in a mix of equity and debt, aiming for a balance between growth and stability.
5. Real Estate Investment Trusts (REITs): REITs are investment vehicles that pool money from investors to invest in income-generating real estate properties.

High-Risk Investment Options:

1. Direct Equity: Investing directly in stocks can offer high returns but comes with a higher level of risk.
2. Small Cap Stocks: These are stocks of companies with a market capitalization of less than ₹500 crore. They can offer high returns but are more volatile than large-cap stocks.
3. Mid Cap Stocks: These are stocks of companies with a market capitalization between ₹500 crore and ₹10,000 crore. They can offer higher returns than large-cap stocks but are more volatile.
4. Large Cap Stocks: These are stocks of companies with a market capitalization of more than ₹10,000 crore. They are generally less volatile than small-cap and mid-cap stocks.
5. Initial Public Offerings (IPOs): Investing in IPOs can offer high returns, but they come with a higher level of risk as the company’s performance post-IPO is uncertain.

Investors should choose their investment options based on their financial goals, risk tolerance, and investment horizon. It is advisable to diversify investments across different asset classes to reduce risk and optimize returns.

Documents Required For Investment

Here are Top required documents such as 

Aadhar,

PAN,

KYC documents,

bank details,

Photo identity … etc.

Final Thoughts

I hope after this exhaustive guide, you’re not still wondering: Where to invest money in India? 

Investing is a vital tool for growing wealth, achieving financial goals, and securing your future. By understanding the various india investment options, assessing risk, diversifying your portfolio, and planning wisely, you can navigate the investment landscape with confidence. Remember to consider your unique circumstances, get expert advice when needed, and start investing early to maximise your potential returns.

Assetmonk is one of the best alternative investment platforms in India. At Assetmonk, we specialize in offering personalized support and carefully selected real estate-backed fixed-income investment products. These are the best guaranteed return investments plan and small investments and big returns investments. You can invest with just Rs. 10 lakhs.

Our focus is on providing an exceptional Internal Rate of Return (IRR) of 17% by tapping into growing private markets worldwide. We prioritize security and stability, aiming to safeguard investor interests regardless of external circumstances. With optimism for a brighter future, we emphasize making well-informed decisions to protect and grow investment portfolios. So, if you are looking for the best investment plan with high returns, contact Assetmonk.

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FAQs About Choosing the Best Investment Options in India

1.What Are the Best Investment Options for Good Return?  A. Best Investment options for Good Return are: Real estate structured debt, National Pension Scheme (NPS) SIPs, Fixed Deposits (FDs)

2. Is It Good to Choose Long Term Investment Options? A.  Long-term investments, such as stocks and Real estate structured Debt, provide higher returns compared to short-term investments. They offer the potential for capital appreciation and higher yields, especially during periods of economic growth.

3.What Are the Risk Factors I Should Consider While Selecting Investment Options?  A. 5 key factors to check before choosing an investment plan:1. Return on Investment (ROI)2. Time to Goals3. Cost4. Liquidity5. Tax Considerations

4.What Are the Best Investment Options for Tax Saving in India?  A. Best Investment options for Tax Saving in India are: Unit Linked Insurance Plans (ULIP)Real estate Structured Debt, Public Provident Fund (PPF)National Pension System (NPS)Structured debt real estate is one of the best investment options for Tax Saving. Via alternative investment platforms like Assetmonk, you can get an assured IRR of 17 percent. Furthermore, Investors have the opportunity to benefit from potential tax savings of up to Rs. 50,000.

5.What is the difference between a savings plan and an investment plan? A. Saving money typically implies putting an amount aside for later use without facing any risk of losing its value. On the other hand, investments consider a long-term strategy for a particular financial objective. The most foundational difference between savings and investment plans is Risk.

6.Why Should I opt for an Investment Plan? A. Plans for investments and savings assist you in building up money over time. You can select the investment period based on the kind of financial goal you have, whether it be long-term, mid-term, or short-term. It is not necessary to stay invested in saving plans for at least 5 years. Real estate structured debt investments has a Lock-in period of just 36 months and you can additionally avail tax benefits up to Rs. 50, 000.

7.Should I opt for a Short-term or Long-term Investment Plan? A. If you want to preserve your capital and are happy with moderate returns then choose short term investments. However, if achieving higher returns is your aim, then you should make long-term investments.Though it is important to consider your income, needs, and risk-appetite before you make an informed decision to choose between a Short-term or Long-term Investment Plan.

8. How much can I withdraw from my investments? A. An investment in an open end scheme can be redeemed at any time. Redeemable investments are unrestricted unless they have a lock-in period like in an Equity Linked Savings Scheme (ELSS), there is a 3-year lock-in period from the date of investment.

9.What is the safest investment with highest refund? A. Real estate Structured Debt is the safest investment with the highest refund which offers an assured IRR of 17%.

10. What is the 72 rule in investing? A. A calculation known as the Rule of 72 determines how long it will take to double your money at a given rate of return. If, for example, your account earns 6 percent, divide 72 by 6 to get the number of years it will take for your money to double. In this case, 12 years. Years to double = 72 / rate of return on investment (or interest rate)

11.How can I grow my money fast? A. Best ways one can grow his money to its full potential are: Say No to Debt. Be Consistent in your Investment Start Early Invest Smartly Diversify your Investments Investing in Real estate Structured Debt is one of the fastest, most efficient and most effective ways to grow wealth over the long haul.

12. What is the safest investment? A. Bank Fixed Deposit (FD) and Real Estate Structured Debt are the safest investment option with assured returns. Real estate structured Debt offers an assured IRR of 17%.

13. How can you double your investment in five years? A.  Real estate is an investment option which is capable of doubling your money in a period as low as 5 years. It provides for a stable cash flow as you can rent the property and is far more predictable from any other investment options. For example if you wanted to double an investment in 5 years, divide 72 by 5 to learn that you’ll need to earn 14.4% interest annually on your investment for 5 years: 14.4 × 5 = 72.Real estate structured Debt offers an assured IRR of 17%.

14. What is the best investment plan for 1 and 5 Years? A. Best One-Year Investment Plans, Some of the best one-time investment plans for 1 year are as follows: Fixed Deposits, Mutual Funds, Post-office term deposits, Best Investment Plan for 5 Years. Some of the best one-time investment plans for 5 year are as follows: ULIPs, PPF and EPF 5-Year Fixed Deposits ,Stocks

15.Which investments are best for 5 years? A.  ULIPs, PPF and EPF, Stocks, NPS (National Pension Scheme)Investors may also consider investing Real Estate Structured Debt which offers an assured IRR of 17% and a lock-in period of just 36 Months.

16. What are the top 10 investment options in India? A. Top 10 investment options in India are: Real estate structured debt, FDs, PPF, NPS, Pradhan Mantri Vaya Vandana Yojana, Mutual Funds, Debt Funds, Systematic Investment Plans (SIPs),Unit-Linked Insurance Plans (ULIPs),Gold and Precious Metals

17.What is the safest investment? A. Real Estate Structured Debt is the safest investment option with assured IRR of 17% via alternative investment platforms like Assetmonk.

18. Are bonds a good investment right now? A. Because of the low interest rate environment, many investors have been hesitant to hold bonds for years, but that shouldn’t be the case anymore. One challenge presented by the current environment is the inverted yield curve, which means long-term yields are lower than short-term yields. In the past, investors would require greater yields in exchange for lending their money for longer durations, but that isn’t the case right now. Ultimately, the decision on whether or not to hold bonds and in what amount will depend on the unique circumstances of each individual investor. But the rise in interest rates has made bonds more attractive than they’ve been in over a decade.

19. Which investment has the highest returns? A. Real Estate Structured Debt has the highest returns with  an assured IRR of 17% and additional tax benefits upto 50,000.

20. Where should I invest money for the best returns? A. Real estate is an investment option for best returns. It provides for a stable cash flow in the form of rentals and is less volatile to market fluctuations than any other investment options.