Safe Investments with High Returns
By Okbima 01 Dec 2023 70

Safe Investments with High Returns In India


If you want to grow your investments? You should consider investing in Safe Investments with High Returns In India. Selecting the best investment options requires careful consideration of factors like risk appetite, liquidity needs, investment horizon, and financial goals. Various investment options, such as fixed deposits, offer stability and assured returns, making them attractive for risk-avoiding investors. 

Mutual funds, with their dynamic approach to wealth creation through diversified portfolios, present opportunities for substantial returns. By understanding each option, investors can find a balance between security and growth in their portfolios.


List of the Top 10 Safe Investments with High Returns in India

There are so many plans available that you can be considered as Safe Investments with High Returns in India. Below, we have mentioned the top 10 investment plans. 

Investment Plans


Min & Max Amount


Capital Guarantee Plan

5-10 years

Rs5,000 - 10 lakhs


Public Provident Fund (PPF)

15 years

Rs 500 - 1.5 lakhs


Bank Fixed Deposit

1-5 years

Rs 500 - 5 crores


National Pension Scheme (NPS)

10-60 years

Rs1,000 - No limit


Unit Linked Insurance Plan (ULIP)

10-20 years

Rs 10,000 - No limit


Post Office Monthly Income Scheme

6 months-5 years

Rs 1,000 - 4.5 lakhs


Senior Citizen Savings Scheme (SCSS)

5 years

Rs 1,000 - 9 lakhs


Sukanya Samriddhi Yojana Scheme (SSY)

14 years

Rs 250 - 1.5 lakhs


National Savings Certificate (NSC)

5-10 years

Rs 1,000 - 1.5 lakhs


Pradhan Mantri Vaya Vandana Yojana (PMVVY)

10 years

Rs 1,000 - 15 lakhs



Top 10 Safe Investments with High Returns in India

As above we have listed the top 10 safest investment options. Below, we are giving a detailed overview of the top 10 Safe Investments with High Returns in India.

1. Capital Guarantee Plan

A Capital Guarantee Plan (CGP) is a type of investment plan that offers the dual benefits of capital protection and market-linked returns. It combines the security of a fixed deposit with the potential for growth of a mutual fund.

• Risk and Return Balance: This unique plan combines investment and insurance components, allocating 50-60% of funds to debt and capital protection, while the remainder is invested in equity.

• Fixed Tenure: With a policy tenure of 10 years and a premium payment period of up to 5 years, this plan gives capital protection.

• Returns Linked to Market Performance: The returns earned on the plan are often linked to the performance of the assets. If the market performs well, the investor may receive higher returns, but the capital guarantee ensures that the original investment is secure even if the market doesn't perform well.

• Tax Benefits: Under Section 80C of the Income Tax Act, you can claim a tax deduction of up to 1.5 lakhs for the premium paid.

• Limited Upside: While the capital is protected, the potential for very high returns may be limited compared to riskier investment options. Capital Guarantee Plans are often chosen by investors seeking a balance between safety and growth.

• Insurance Component (Optional): Some Capital Guarantee Plans may include an insurance component, providing a life cover to the investor. In the event of the investor's death during the investment period, the nominee receives a predetermined sum assured.

• Exit Options: Depending on the terms of the plan, there may be options for exiting before maturity, but this might come with certain conditions and could impact the returns.


2. Public Provident Fund (PPF)

The Public Provident Fund (PPF) is a savings-cum-investment scheme in India, and It was introduced by the Indian government in 1968 to encourage savings and provide a safe investment platform for individuals.

• Long-Term Savings: PPF is a long-term savings scheme where you invest money for a fixed period, and it's generally meant for a long period of time

• Min and Max investment amount: The minimum contribution for a PPF account is Rs. 500, and the maximum limit is Rs. 1.5 lakh per year.

• Lock-in Period: The PPF account has a fixed lock-in period of 15 years. However, you can extend up to 5 years after maturity.

• Interest Rate: As of 2023, the interest rate for the Public Provident Fund (PPF) is 7.1% per annum.

• Tax Benefits: The contributions made towards PPF are eligible for a deduction under Section 80C of the Income Tax Act, up to a limit of Rs. 1.5 lakh per year.

• Withdrawals and Loan Facilities: While the PPF account has a 15-year lock-in period, partial withdrawals are allowed from the 7th year onwards. Additionally, you can take a loan against your PPF balance.

• Flexible Contribution Frequency: You can deposit money into your PPF account either as a lump sum or in installments, with a minimum of one deposit per year.

• Nomination Facility: You can nominate someone to receive the proceeds of your PPF account in case of your demise.

• Renewal and Extension: After the initial 15-year period, you can extend your PPF account up to 5 years. During this extended period, you continue to earn interest on your balance.


3. Bank Fixed Deposit

A Bank Fixed Deposit is like a savings account where you put in a lump sum of money for a fixed period, and the bank pays you a predetermined interest rate.

• Deposi t Period: You give a specific amount of money to the bank for a fixed period, which can range from a few months to several years. During this time, you can't withdraw the money without some penalties.

• Interest Rate: The bank promises to pay you a certain interest rate on the money you deposited. But, usually between 3% to 8%.

• Safety: Fixed deposits are considered safe because the government or the bank usually backs them. Even if the bank faces financial troubles, your fixed deposit is generally secure up to a certain limit.

• Fixed Returns: Unlike some other investments that might be affected by market fluctuations, the returns on a fixed deposit are predetermined. You know exactly how much money you'll get at the end of the deposit period.

• Interest Payouts: The interest earned on your fixed deposit can be paid out to you periodically (monthly, quarterly, half-yearly, or annually) or at the end of the deposit period, depending on the terms you choose.

• Premature Withdrawal: While fixed deposits are meant to be for a fixed period, some banks allow premature withdrawals in case of emergencies. However, there might be penalties or a reduction in the interest rate.

• Min and Max Amounts: The minimum amount that you can deposit in an FD is typically between ?1,000 and ?25,000, and there is typically no maximum amount that you can deposit in an FD

• Renewal Options: At the end of the deposit period, you can choose to renew the fixed deposit for another term if you wish. The bank may transfer the money to your savings account if you don't renew.

• Tax Benefits: The interest earned on fixed deposits (FDs) is taxable as "income from other sources" under the Income Tax Act, of 1961. The tax rate applicable to FD interest depends on the individual's tax slab.


4. National Pension Scheme (NPS)

The National Pension Scheme (NPS) is a voluntary retirement savings scheme introduced by the Government of India in 2004. It is a defined contribution scheme, which means that the pension amount you receive depends on the contributions you make during your working life

• Saving for Retirement: NPS is a way for people to save money for when they retire, so they have a source of income when they're no longer working.

• Age: A National Pension Scheme can be opened by any Indian citizen aged 18 years to 60 years.

• Interest rate: The current interest rate on the investment in NPS is 8-10%.

• Contributions: In NPS, you can contribute at least Rs.6000 per financial year. You can contribute in monthly installments of a minimum of Rs.500 or in a lump sum.

• Maturity Age: The NPS maturity age is 60 years old, but a person can extend to 70 years old.

• Investment Options: The money you contribute is invested in different ways, like stocks, bonds, and government funds. You can choose how your money is invested based on your preferences.

• Tax Benefits: The government gives you some benefits for saving in NPS. The money you put in can be deducted from your taxable income, which means you pay less income tax.

• Government Contribution (for certain cases): If you work for the government, they might also put some money into your NPS account to boost your retirement savings.

• Retirement Payout: When you retire, the money you've saved in NPS can be used to get a regular pension, like a monthly salary, which helps cover your expenses in retirement.

• Flexible Withdrawals: In certain situations, you can take out some money before retirement for things like education or medical needs, but there are rules about how and when you can do this.

• Portable and Flexible: NPS is flexible—you can move your account if you change jobs or locations. This makes it convenient if you have a varied work history.


5. Unit Linked Insurance Plan (ULIP)

A Unit Linked Insurance Plan (ULIP) is a type of insurance product that combines insurance coverage with investment opportunities. 

• Insurance and Investment Combo: ULIPs serve a dual purpose. A part of the money you pay as premiums goes towards providing life insurance coverage, and the remaining is invested in market-linked instruments.

• Premium Payment: You pay regular premiums, either monthly, quarterly, or annually, as per your choice. A portion of this premium provides life insurance coverage, while the rest is invested.

• Investment Component: The invested portion of your premium is used to buy units in investment funds. These funds can vary and might include equity funds, debt funds, or a combination of both. The performance of these funds influences the returns on your investment.

• Risk and Returns: Since ULIPs invest in market-linked funds, the returns are not guaranteed and depend on the performance of the chosen funds. This introduces an element of risk compared to traditional insurance plans.

• Lock-In Period: ULIPs come with a lock-in period, which means you cannot withdraw the invested amount for a specified number of years. This encourages a long-term investment approach.

• Maturity Benefit: If the policyholder survives the policy term, the maturity benefit is paid, which includes the fund value at maturity.

• Death Benefit: In the event of a policyholder's untimely death during the term of the policy, the nominee will receive the highest of the guaranteed amounts or fund value.

• Charges: ULIPs may have various charges, including premium allocation charges, fund management charges, mortality charges, and surrender charges. It is important to know about these fees before making a purchase.


6. Post Office Monthly Income Scheme (POMIS)

The Post Office Monthly Income Scheme (POMIS) is a simple way for people to invest their money and earn a fixed monthly income.

• Investment: You deposit a certain amount of money into the Post Office Monthly Income Scheme. The minimum and maximum investment limits are set by the postal department.

• Interest Rate: The rate of return is determined by the Ministry of Finance and is currently fixed at a flat rate of 6.6%.

• Duration: The scheme has a fixed duration of 5 years. Once you invest, your money is locked in for this period.

• Eligibility: A POMIS account can be opened on behalf of any Indian citizen who is 18 years of age or above, and the account can also be opened for minors aged 10 years or above. 

• Monthly Income: The unique feature of POMIS is that it provides a fixed monthly income to the investor. This can be especially beneficial for those looking for a regular income stream.

• Tax Implications: The interest earned from POMIS is taxable under Section 80C.

• No Premature Withdrawal: Unlike some other investments, you cannot withdraw your money before the completion of the 5-year term. It's a long-term commitment.

• Safe Investment: POMIS is considered a safe investment because it is backed by the government. However, the returns may not be as high as some riskier investment options.

• Easy to Open: You can open a POMIS account at your local post office by filling out a form and providing the necessary documents.


7. Senior Citizen Savings Scheme (SCSS)

The Senior Citizen Savings Scheme (SCSS) is government-backed in India specifically designed for senior citizens and provides a safe and secure investment option with attractive interest rates. It is a popular choice for retirees who are looking for a steady source of income and capital protection.

• Eligibility: SCSS is available to Indian residents who are 60 years old or above. In some cases, individuals aged 55 to 60 can invest if they have retired under a voluntary or special retirement scheme.

• Investment Limit: The investment limit for the Senior Citizen Savings Scheme (SCSS) has been doubled to Rs. 30 lakh from Rs. 15 lakh in the Union Budget 2023.

• Interest Rate: The SCSS interest rate is declared by the government and it’s 7.4% annually. 

• Maturity Period: SCSS has a maturity period of 5 years, which can be extended for an additional 3 years after maturity.

• Premature Withdrawal: While premature withdrawal is allowed, it comes with certain penalties. If withdrawn before 2 years, 1.5% of the deposit is deducted, and if withdrawn after 2 years but before 5 years, 1% of the deposit is deducted.

• Tax Benefits: Investments in SCSS are eligible for tax benefits under Section 80C of the Income Tax Act, up to a specified limit.

• Interest Payment and Mode: The interest earned is paid out quarterly, and investors can choose to receive it directly or reinvest it in the scheme for compound growth.

• Multiple Accounts: While an individual can have multiple SCSS accounts, the combined investment across all accounts cannot exceed the maximum limit set by the government.

• Nomination Facility: Investors can nominate someone to receive the proceeds in the event of their demise.

• Extension after Maturity: After the initial 5-year period, investors can extend their SCSS account for an additional 3 years, and this extension can be done only once.


8. Sukanya Samriddhi Yojana Scheme (SSY)

The Sukanya Samriddhi Yojana (SSY) is a government-backed savings scheme in India that is specifically designed to help parents save for the education and marriage of their daughters.

• Objective: SSY is designed to facilitate long-term savings for the education and marriage expenses of a girl child.

• Eligibility: The scheme is open to any parent or legal guardian of a girl under 10 years of age.

• Account Opening: Parents or guardians can open an SSY account in the name of the girl child at authorized banks and post offices.

• Maximum Number of Accounts: Only two SSY accounts are allowed per family, irrespective of the number of girls.

• Deposit Limit: The Yearly deposits in Sukanya Samriddhi Yojana range from Rs. 500 to 1.5 lakhs.

• Interest Rate: The average annual return of Sukanya Samriddhi Yojana is 7.6%.

• Maturity Period: The SSY account matures after 21 years from the date of opening, or whenever the girl gets married after the age of 18.

• Partial Withdrawal: Partial withdrawals are allowed for specific purposes, such as the girl's higher education, once she turns 18 or has completed 10th standard, whichever is earlier.

• Penalty for Non-Compliance: If the account is not maintained as per the rules (e.g., not making the minimum annual contribution), a penalty is imposed.

• Tax Benefits: Contributions made to SSY are eligible for a deduction under Section 80C of the Income Tax Act. The interest earned on the loan and the amount due are also tax-deductible.

• Transferable: In case the girl child moves to a different city or locality, the SSY account can be transferred easily.

• Nomination Facility: The account holder (parent/guardian) can nominate someone to receive the proceeds in case of their demise.


9. National Savings Certificate (NSC)

The National Savings Certificate (NSC) is a government-backed savings scheme in India. It is a popular investment option for small and medium-income investors due to its attractive interest rate, tax benefits, and long lock-in period.

• Denominations: NSCs are available in denominations like Rs. 100, Rs. 500, Rs. 1,000, Rs. 5,000, and Rs. 10,000. You can buy these certificates from post offices.

• Interest Rate: Based on historical data, NPS has delivered returns ranging from 8.2% to 12.5%.

• Maturity Period: NSCs have a fixed maturity period, which is usually 5 years. The investment grows over this period, and at the end, you get the initial investment along with the interest.

• No Maximum Limit: There is no maximum limit on the amount that can be invested in NSC. 

• Transferable: NSCs are transferable, meaning you can transfer them from one person to another under certain conditions.

• Tax Benefits: Investments made in NSC are eligible for a tax deduction under Section 80C. However, the interest earned on NSC is taxable.

• Encashment: While NSCs have a fixed maturity period, in case of urgent need, they can be encashed prematurely, subject to certain conditions and penalties.

• Nomination Facility: You can nominate someone to receive the proceeds in case of your demise.

• Available in Physical Form: NSCs are issued in physical form as certificates, and you need to keep them in a safe place. There is also an e-mode version called the e-NSC available.


10. Pradhan Mantri Vaya Vandana Yojana (PMVVY)

The Pradhan Mantri Vaya Vandana Yojana (PMVVY) is a government-sponsored pension scheme in India designed to provide financial security to senior citizens.

• Pension Plan: It is a pension plan that offers a regular and stable income in the form of pension payments.

• Investment Tenure: The PMVVY scheme has a fixed tenure of 10 years.

• Interest Rate: PMVVY offers a guaranteed pension with a fixed monthly pension rate of 7.4%. 

• Guaranteed Returns: The scheme provides a guaranteed rate of interest on the investment made by the senior citizen. The interest is paid monthly, quarterly, half-yearly or annually, as chosen by the investor.

• Maximum Investment Limit: There is a maximum limit on the investment amount, which is determined by the government.

• Death Benefit: In the unfortunate event of the demise of the investor during the policy term, the nominee receives the purchase price (investment amount) as a death benefit.

• No Medical Examination: One of the advantages of PMVVY is that it doesn't require the senior citizen to undergo a medical examination to be eligible for the scheme.

• Loan Facility: After the completion of three policy years, the policyholder can avail of a loan against the policy to meet liquidity needs.

• Premature Exit Option: In case of critical illness of self or spouse, the policy can be surrendered prematurely, and the entire purchase price is refunded.

• Tax Implications: The pension income received is taxable, and tax is deducted at source as per the applicable income tax laws.


Benefits to Buy the Safe Investments with High Returns in India

Investing is a crucial part of financial planning, and choosing safe investments with high returns in India can offer many benefits. Here are some of the advantages of opting for such investments:

• Consistent Income Generation: Safe investments often offer regular income or dividends, ensuring a consistent cash flow. This is particularly beneficial for investors who rely on income from their investments to meet their financial obligations or maintain their lifestyle.

• Diversification: Safe investments provide an opportunity to diversify your portfolio, spreading risk across different asset classes. This helps reduce the impact of volatility and market fluctuations on your overall investment performance.

• Stability during Economic Downturns: Safe investments often perform relatively well during economic downturns or recessions. This stability protects your investments from the negative effects of market fluctuations, ensuring a reliable source of returns in challenging times.

• Long-term Wealth Creation: Investments with high returns can significantly contribute to long-term wealth creation. By choosing safe options that deliver attractive returns, you stand a better chance of achieving your financial goals and building a prosperous future.

• Lower Stress and Anxiety: Knowing that your investments are relatively safe and likely to provide satisfactory returns can reduce stress and anxiety. This peace of mind allows you to focus on other aspects of your life without constantly worrying about the performance of your investments.

• Tax Efficiency: Some safe investment options in India offer tax advantages, such as tax exemptions or deductions on specific investment instruments. These tax benefits can help optimize your overall tax liability and maximize your investment returns.


How To Choose the Safe Investments with High Returns in India?

Investing money in safe and high-return investments is crucial to building wealth and achieving financial goals. In India, with the multiple investment options available, it can be overwhelming to choose the right investments. However, by considering some key factors, you can make informed decisions while selecting safe and high-return investments. Here are some useful tips to help you choose safe investment options in India:

  1. Identify your Financial Goals: Clearly define your financial goals, whether it's buying a house, funding your children's education, planning for retirement, or generating passive income.

  2. Understand Risk vs. Return: Different investments carry different levels of risk and return potentials. Typically, investments with higher returns come with higher risks. 

  3. Research and Analyze Investments: Thoroughly research and analyze different investment options available in India. Understand the investment instruments, historical performance, market trends, and associated risks. 

  4. Consider Diversification: Diversify your investment portfolio across multiple asset options such as stocks, bonds, real estate, mutual funds, gold, and fixed deposits. 

  5. Consider Tax Implications: Look for the tax implications applicable to different investments. Some investments, such as Public Provident Fund (PPF) and National Savings Certificates (NSC), offer tax benefits, while others may attract capital gains tax. 

  6. Consider the Liquidity: Check the liquidity of the investment options. While some investments may offer higher returns, they might not provide easy access to your funds. 

  7. Consider Safety of Investments: Look for the safety of the investment options by checking factors such as the track record of the investment institution, the stability of the underlying assets, government regulations, and credit ratings


Contact Our Team Of Experts to Buy the Best Investment Plans!


How to Buy the Best Investment Plans from Okbima?

If you're looking to buy the best investment plans from Okbima, there are a few key steps you should follow. Investing in the right plans can help you grow your wealth and secure your financial future. Here's a guide on how to go about it:


Step 1: Visit the Okbima website, and click on the “Investment Plans” icon on the homepage.

Step 2: On the investment plans page, fill in the required details such as name, mobile number, email ID, DOB, annual income, city, and gender.

Step 3: Once you fill out the form, click on continue and Okbima will display the different investment plans.

Step 4: Compare the different plans, and select what best suits you. And complete the payment process.

Step 5: Once payment is completed, you will get your investment details on your email ID.



In conclusion, safe investments with high returns in India can provide individuals with a profitable financial strategy. By diversifying their investments across various options such as fixed deposits, government schemes, mutual funds, and real estate, individuals can ensure a balanced and secure portfolio. Additionally, investing in blue-chip stocks and stable companies can also offer attractive returns over the long term. It is important to conduct thorough research, ask for expert advice, and carefully check the risk associated with each investment option before making any decisions. 


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