Best Investment Plan

A long-term government-backed savings scheme offering tax-free returns. Ideal for conservative investors, with a 15-year lock-in and interest compounded annually. Eligible for deduction under Section 80C.

Professionally managed funds investing in equity, debt, or hybrid instruments. Offers diversification and flexibility. ELSS mutual funds offer tax benefits under Section 80C and have a 3-year lock-in.

Investing directly in the share market can yield high returns but involves higher risk. Best for investors with strong market knowledge and long-term investment horizon.

Offers dual benefits — guaranteed capital protection and market-linked returns. Suitable for risk-averse investors seeking some equity exposure. Comes with Section 80C tax benefits.

A life insurance-cum-savings product that provides guaranteed returns at maturity. Useful for meeting future goals like child education or marriage. Offers Section 80C benefits.

Buying residential or commercial properties for capital appreciation and rental income. Requires high initial capital and proper due diligence. Real estate is a tangible long-term investment.

Invest in physical gold, digital gold, or ETFs. Acts as a hedge against inflation. Highly liquid and considered a safe asset during economic uncertainty.

Includes several low-risk government savings schemes like MIS, RD, and Time Deposits. Offers fixed returns, easy access, and sovereign backing.

Offered by NBFCs and corporates, these FDs provide higher interest than banks. Slightly higher risk than bank FDs but ideal for steady income.

Invest in newly listed companies. Can offer quick profits if the listing is successful. Risk level varies depending on the company’s fundamentals.

Combines life insurance with market-linked investment. Ideal for long-term goals like retirement and children’s education. Offers Section 80C and maturity tax exemption under 10(10D).

Fixed-income securities offering regular interest payouts. Includes government, PSU, or corporate bonds. Safer than equities and suitable for portfolio diversification.

A traditional and secure investment offering fixed returns. Tenure ranges from 7 days to 10 years. Tax-saving FDs come with a 5-year lock-in.

Available to individuals aged 60 and above. Offers higher interest rates, quarterly payouts, and tax benefits under Section 80C.

These 7-year bonds are issued by the Government of India with fixed interest. Ideal for conservative investors seeking safety and predictable returns.

Market-linked pension scheme with low cost and flexible asset allocation. Offers additional tax benefits up to ₹50,000 under Section 80CCD(1B).

Traditional or term insurance policies provide financial protection and long-term savings. Some plans also build cash value and maturity benefits.

Fixed income scheme from India Post. Comes with a 5-year lock-in and interest compounded annually. Offers Section 80C benefits.

Tax-saving mutual fund with a 3-year lock-in. Offers potential high returns by investing primarily in equities. Eligible for Section 80C deduction.

Issued by RBI and backed by gold. Earn annual interest plus potential price appreciation. No capital gains tax on redemption after 8 years.

Hybrid mutual funds focused on generating regular monthly income by investing in debt and some equity. Suitable for retirees or income-seeking investors.

Employer-employee contributory retirement scheme with tax-free interest and maturity. Offers safety and long-term corpus building.

Government-backed pension scheme for the unorganized sector. Offers fixed monthly pension post-retirement based on contribution.

Targeted at parents of girl children. Offers the highest tax-free interest among small saving schemes. Deposits eligible under Section 80C.

Monthly savings option with fixed tenure and guaranteed returns. Offered by banks and post offices. Ideal for disciplined savers.

Issued by companies for raising capital. Offers higher yields than government bonds but carries credit risk. Ideal for moderately risk-tolerant investors.

Listed entities that invest in income-generating properties. Allows retail investors to earn from real estate without owning physical property.

Extra EPF contribution made voluntarily. Same interest and tax treatment as EPF. Ideal for salaried individuals looking to save more for retirement.

Doubles your money in a set duration. Government-backed with no upper limit on investment. Suitable for risk-averse investors.

Invest in silver through exchange-traded funds without the hassle of storage. Ideal for portfolio diversification and commodity exposure.

Short-term government securities with maturities up to one year. Issued at a discount and redeemed at face value. Risk-free investment option.

Offers exposure to infrastructure projects like roads and power through stock exchange. Provides regular income and capital appreciation potential.