Best Safe Investments with High Returns in India

Best Safe Investments with High Returns in India

When it comes to financial planning for safe investments, it becomes very important to look for opportunities, which provide financial security along with the advantage of high returns in the long term. Different safe investments options in India offers profitable return along with the benefit of a safe investment. To choose the best investment chances, it is very significant to consider various aspects like risk appetite, liquidity needs, investment horizon and financial objectives.

Nowadays, the country is going through a rough patch, thus it has become necessary for people to make safe investments and invest in solutions, which provide guaranteed returns. 

10 Safe Investment Opportunities with High Returns in India 

Let’s read different to know more about safe and high return investments in India: 

Capital Guarantee Plan 

A capital guarantee programs are ULIP plans that are majorly concentrated to protect the investor’s principal from any losses during the economic crisis. A capital Guarantee plan is a variety of investments and insurance, wherein 50-60% of investment is made in debt and capital protection and the remains are invested in equity. 

The plan is proposed for a policy tenure of 10 years and the premium paying tenure of the policy ranges up to a maximum of 5 years. Capital Guaranteed Plan is safe investments for anyone with high returns in India. 

The primary advantage offered by this plan is that on the maturity of the policy the entire premium amount is paid back to the investor along with additional advantages ade by the product. In order to minimize the possibility of loss and provide a guaranteed return, capital guarantee funds aim to invest majorly in conservative mechanisms. The maturity value of the capital Guarantee Plan relies on the market performance of the fund as well as returns from the traditional guarantee plan after fulfilment of the policy tenure. 

Public Provident Fund (PPF) 

Public Provident Fund is a government back safe investment scheme that comes with a lock-in period of 15 years. PPF is deemed one of the best options for safe and high return investments in India. 

The PPF is a long-term investment scheme, which allows for creating a retirement corpus while saving on annual taxes. The PPF presents a high-interest rate and the interest earned on the contributed amount and the returns are tax-free under the Income Tax. 

As the investment made towards PPF is not connected with the market, it proposes a guaranteed return over the long term. Moreover, on maturity, the individual can either redeem the whole accumulated sum or can extend the account over a period of 5 years. With a minimum investment of Rs 500  in PPF and a maximum investment of up to Rs 1.5 lakh in a financial year, the Public Provident Fund ( PPF) is best appropriate for individuals who want to make safe investments with the benefit of high returns. 

Bank Fixed Deposit (FDs)

When we talk about safe investment with high returns in India, then Bank fixed Deposit is one of the most popular and preferred choices of investment available in the market. As compared to the regular savings account, the Bank FDs offer a higher rate of interest. 

Moreover, investment in 5 years of tax-saving FDs is shielded under Section 80C of the Income Tax Act 1961. A higher rate of interest is presented for the senior citizen. The interest rate of the Bank FD ranges across Bank, investment tenure, amount and residential status. 

Also Read: What’s Inside Warren Buffett Portfolio

The Bank FD comes with a lock-in term. In case, an individual wants to withdraw from the FD scheme before fulfilment of the lock-in period, then the bank subtracts charges in form of interest accrued on the investment. Bank FDs are a lucrative chance of investment for investors who wants to avail of guaranteed return on investment and have a low-risk appetite. 

Some of the major features of Bank Fixed Deposits are: Offers assured returns over time. Best suitable for investors who have a low-risk desire. Patrial withdrawal and loans against the credit are available.

National Pension Scheme (NPS) 

National Pension Scheme (NPS) is also a government-backed retirement scheme, that aspires to secure the financial future of the individuals after retirement. 

The National Pension Scheme (NPS) scheme is managed by the Pension Fund Regulatory and Development Authority of India (PFRDA). In the NPS scheme, the contribution made by the subscribers is invested in the market-linked securities like equity and debt with the goal to gain profitable returns. 

The current interest rate functional to the contribution made towards the NPS is 8-10%. In NPS, a person can make a minimum contribution of Rs.6000 in a financial year. Investment can be made as monthly instalments of a minimum of Rs 500 or as a lump sum. 

Also Read: How Investment Option Works The For Buyer

Any Indian citizen between the age group of 18 years – 60 years can open a National Pension Scheme (NPS). The NPS matures at the age of 60 years, however, an individual can extend it up to 70 years. As safe investments opportunity, the NPS scheme not only delivers a higher return on investment over the long term but also acts as a remunerative opportunity for tax savings. As a safe and high return investment in India NPS also presents flexibility as the investors can choose their choice investment and pension fund. 

Unit Linked Insurance Plan (ULIP) 

ULIP is another safe investment with a high return choice of investment available in the market. Unit Linked Insurance Plan is an insurance cum investment outgrowth, which not only provides financial security to your family but also delivers you with an opportunity to multiply your wealth in the long term. 

In the ULIP plan, a part of the premium amount is invested in market-linked securities like debt and equity funds to deliver high returns on investment. 

On the other hand, the other part of the premium is used by the insurer to deliver life coverage to the family of the life assured and secure financial security in case of any eventuality. 

Thus the return is assured in form of a maturity amount. Not only this; but the ULIP plan also presents the benefit of tax exemption under Section 80C of the Income Tax Act.

Also Read: High Yield Investing Program (HYIP) Is Like A Game Of Poker


Many investors consider gold to be the highest safe investment. Just remember, it can experience comparable drastic price swings as stocks and other risky assets over the short term. Research indicates that gold may hold its value over the long term.

According to the many fund manager and authors of the investment education books writers: there are a few items to keep in mind with gold as safe investments, depending on your requirements.

Gold can be a safe haven in that it’s protected against inflation over the long term, but it doesn’t protect you every year. It’s a monetary asset, though, so it can assist you to diversify away from dollar-denominated assets if that’s what you’re interested in.

Real Estate

Real estate may be considered a safe investment for the long term goal, depending on local requirements. In addition, real estate may present pretty decent income—again, depending on local market situations.

Whether it’s saleable property or a rental property, you’re probably to get consistent income, keeping you out of stock market ups and downs.

Long-term real estate appreciation stays relatively low, with a 25-year average of about 3.8% in India. Real estate also comes with a mixture of additional costs other safe investments lack, like maintenance fees and property taxes, and it may need a large upfront investment.

Some individuals may suggest investing in real estate investment trusts (REITs) in order to get disclosure to real estate with greater liquidity and lower costs. But REITs are risky assets also, and they can’t really be suggested as a safe investment for your money in volatile markets.


The bond investment provides an income stream that is smoothly predictable and in many cases, bonds pay the interest once or twice a year. If the bondholder holds the purchased bond till the day of maturity, the investor gets the full principal amount and hence, these are considered an ideal method to preserve one ‘s capital. 

Bonds can also provide offsetting exposure to the severe volatile shareholdings one might have. By investing in bonds, one can anticipate a steady stream of income even before the maturity in the form of interests.

Corporate Bonds

If you want higher yields, think about corporate bonds. They normally offer more appealing interest rates but also carry more risk as rare companies have a repayment record.

To assure you’re making safe investments, it’s essential to review the rating on bonds. Many investors suggest looking at corporate bonds that are rated as investment grade, which normally means a rating of AAA, AA, A and BBB. Anything else might have actually higher yields but also much greater risk.

It’s achievable to purchase bonds via an online broker, but many investors warn that many bond transactions charge higher fees than stock transactions. So first, look at all bond transaction charges. 

To avoid fees and lower the risk of any one company defaults, study bond mutual funds and bond ETFs, which invest in hundreds or thousands of company bonds. Most index-based ETFs and mutual funds will be open without trading fees from most brokerages these days, but it’s essential to double-check as well as to look out for load fees on mutual funds.

Also Read: Investment guide – Property Value & market Risk Analyzing

Preferred Stocks

Preferred stocks are hybrid securities with characteristics of both stocks and bonds. They deliver the income potential of bonds, thanks to secured dividend payments, plus the ownership stake and appreciation potential of an expected stock.

The potential appreciation of preferred stocks cuts both methods, however. You may see stronger gains in market value over time than bonds—as well as larger potential reductions in value when the market falls. So why are these preferred stocks safe investments? Because preferred stock dividends are guaranteed in almost all cases, meaning you’ll earn income no matter what the stock is doing.

These might not be safe investments in the sense of market risk because capital appreciation is a problem in a down market. However, you might notice a degree of income protection because of the higher dividends.

Leave a Comment

Your email address will not be published. Required fields are marked *