Investment Insurance

Secure your future against recession, inflation, and financial emergencies with the best investment plans from Okbima in a gradual but flexible manner. Our investment plans are made to help people become financially stable and utilize their earnings in the best possible. From raising awareness and educating people about different plans to giving a quote on investment premiums, our company deals with multiple services simultaneously. Read more


Dual tax benefits

u/s 80c, 10(10D)


Life cover Till Age

100 Years



Happy Customers

Compare Investment Insurance Plans Online

Annual Premium

Policy Term

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What is an Investment Plan?

An investment plan is a financial plan where you save money in specific schemes or instruments. An interest is levied on the capital deposit or the outstanding balance in the investment account in a particular frequency that increases the total amount, thereby making the investment profitable. It helps your money to grow in a systematic manner over a long term, like 3 years or 15 years. As a result, investments can help save your money for the future. There are different investment plans one can choose in India, like:


Unit Linked Insurance Plans


Senior Citizen Savings Scheme


Mutual Funds


Public Provident Funds


Monthly Income Plans

Why Choose an Investment Plan From

  • At Okbima, we offer the best investment plan in India to everyone, from individuals working in different companies to students and self-employed business people.

  • We have a consistent claim settlement ratio of more than 90%, offering the best services to our clients and helping them meet their financial emergencies through early claim grants and faster procedures.

  • Our investment plans help us to portray our empathy for our clients, whether it is in terms of helping their money grow or offering guidance at every step of the investment.

  • We encourage and maintain transparency with all our clients, ensuring they are notified about each and every action taken on their investments.

  • Okbima also offers a versatile list of investment instruments, both with low and high risks. So, our clients have the independence of choosing the best plan according to their convenience.0

What are the Types of Investment Plans?

We offer the top investment plans to our customers at Okbima. Life insurance investment is one of the most popular plans because it guarantees financial coverage for several years. We also have short-term investment plans with a three- or five-year lock-in period of 1 year, 3 years, or 5 years. Apart from this, we also provide low-risk and high-risk investment options.

Low-risk investment:-

As the name suggests, these investments are associated with lesser risks, thereby allowing investors to draw maximum gains. These investments offer reliable and steady monetary growth over a certain period. In addition, our clients get a larger maturity sum with almost no losses from the involved risks. Some of the best low-risk investment plans are:

  1. Sukanya Samriddhi Yojana:- The Indian government launched this investment scheme to help parents save money for their girl child so that they can receive proper education and upbringing without any hassle. Parents can easily open a Sukanya Samriddhi Yojana savings account at the post offices or commercial banks while enjoying tax benefits according to Section 80C of the Indian Income Tax Act.

  2. Post office monthly income schemes:- Another popular low risk investment scheme is the post office monthly income investment account. The returns are quite decent and you will have the independence of depositing a nominal amount every month in the savings account. With no liability of tax deduction at source or TDs, the gains are maximum.

  3. Government Schemes for Senior Citizens:- Senior citizens can now save their funds under this government scheme as it offers financial support to people after their retirement. Besides, the interest rate levied on the investments is revised every quarter, thereby allowing senior citizens to draw maximum profits.

  4. Sovereign gold bonds:- Issued by the Reserve Bank of India under the rules and regulations of the Indian government, sovereign gold bonds provide securities as an alternative to physical gold. It is highly liquefiable as you can redeem the total bond maturity amount in cash with ease.

High-risk investment:-

These investments are associated with high risks, which is why the gains are not steady and reliable. However, if you want to make more profits from your investment, these schemes and instruments will be the best option. Some of the most popular high risk investment instruments are:

  1. Direct equities:- As an investor, you can invest money in any company or business in return of which you will get a certain equity percentage and become a shareholder. As the market valuation of the company increases, the returns will also skyrocket.

  2. Unit linked insurance plans:- The unit linked insurance plans offer life insurance and financial investment benefits. You will also get the freedom to opt for a low, medium, or a high risk investment plan. Ideally, the total investment is divided into multiple funds with a higher return ratio, thereby ensuring profits from at least one scheme.

  3. Mutual Funds:- Mutual fund is one of the most famous high-risk investment plans where multiple investors deposit a certain amount into the liquidity pool of any company or business. The entire pool is managed collectively, ensuring maximum gains. As the investment is diversified, you will have the liberty to invest in a hybrid fund, a debt fund, or an equity fund.

How to Select The Best Investment Plan in India?

  • one

    To select the best investment plan, you need to look into the investment schemes and their features.

  • two

    Based on your risk tolerance caliber, you have to decide whether you want to invest in a scheme having low or high risks.

  • three

    Also, while comparing different investment plans, do consider the ones with higher returns. This will help you to grow your money easily and ensure the maturity amount is comparatively more than the initial invested amount.

  • four

    You need to check the lock-in period and ensure you are compatible with the same because you won't be able to access your funds unless and until the lock-in period is over.

  • five

    Apart from this, try to invest in multiple plans to create a diverse portfolio. This way you can reduce the risks and ensure gains from at least one source of investment.

Why Buy an Investment Plan Online?


With our online investment policy, people can get quote estimates from the comfort of their houses. Moreover, they can consult with our experts online without having to wait in queue for a long. Besides, they can also check various investment plans we offer and make a well-informed decision.

How Does Work Investment Plan?

The one-time investment plan requires the capital fund for once, and then the interest will be levied either in the form of a simple or compound rate for the entire investment duration. In the case of monthly investment plans, we ask for the deposits to be made every month, and a special rate will be levied to calculate the interest that our customers will get.

Benefits of a Good Investment Plan


With a good investment plan, our customers can grow their money and ensure their funds are utilized appropriately. In addition, the investment plan will also ensure they can have higher returns on the funds initially deposited during the investment policy's start. Some of the prominent benefits of investment plan are:

  1. Higher returns:- Most investment plans come with higher return rate, which means the added amount on the principal is pretty high.

  2. Tax benefits:- There are investment plans that can offer taxation benefits up to INR 2 lakhs under Section 80C of Indian Tax Act.

  3. Emergency funds:- Investments will help you to meet any financial emergencies later on in the future without having to take a credit.

  4. Rider benefits:- You can also add several supporting or add-on benefits to the investment plan that doubles as a life insurance, like critical illness benefit, waiver benefit for premium, and more.

  5. Loan:- As an investor, you can get a loan on the investment as it will serve as a collateral for the debt.

Who Can Purchase Investment Plans?


Anyone with a salaried income or a consistent flow of money every month can buy investment plan online from Okbima. In addition, they need to be more than 18 years of age and provide their address and ID proof. Once we verify the identity, the income source, and the ability of the applicant to maintain the investment, we move forward with the plan.

What is The Right Time to Buy The Best Investment Policy in India?

The right time to buy the best investment plan with high returns in India from Okbima will be as early as possible, especially when the interest rates are higher. This way, the returns will also be higher on the investments, even if there is inflation or recession later on before the investment term ends.

Documents Required to Get Online Investment Plans

To take our online investment plan, we will require a list of major documents. These are:

  • Income proof like the salary paycheck

  • Address proof document like Voter’s card, ration card, or Aadhar card

  • Identification proof like Indian passport, ration card, Aadhar card, and election card

  • Age proof document like the passport, pan card, and Aadhar card

  • Form 60 in place of the pan card

  • An officially signed job card from NREGA

  • A National Population Register with details of the individual’s name, address, and the Aadhar number

If the person doesn’t have any valid address proof, following documents will be accepted.

  • Utility bill like electricity bill, telephone bill, mobile bill, water bill, and many more and it cannot be more than 2 months old

  • Municipal or property tax receipt

  • Pension orders issued to any retired individual

For income proof, you can submit:

  • Bank statement with salary credit proof for the last three months

  • ITR files from the last 2 years

  • The latest Form 16

What Factors Affecting Investment Plan Premiums?

Several factors affect the premiums of our best investment policy. For instance, short-term investment policies have higher premiums than long-term plans. Similarly, if our customer chooses an investment plan with higher risks, the premiums we charge are higher to balance the risks associated and vice versa.

How To Buy Investment Policy Online?

If anyone wants to buy an investment plan online, they can come and visit our online website. We have a quote form where they have to fill out the details like the total number of years they want to invest, the premium or capital investment to be made, and the type of investment plan chosen. Once we provide the quote and the customers are satisfied, we will make the investment policy.

How to Calculate The Best Investment Policy Premium?

To calculate the premium for the best investment plan from Okbima, you can fill out our quote form with all the necessary details. Once we receive the quote, we will calculate the premium based on the investment plan type, the years you invested, and the current interest rate.

How Can I Pay for an Investment Plan Online?

Our customers can easily make payments for the investment plan they have chosen from Okbima through UPI. They can also set automated payments where we will deduct the premiums monthly or based on the frequency chosen from the concerned bank account. We also receive payments through debit and credit cards.

Investment Plan Premium Payment Options?

We have several premium payment options at Okbima, from credit card to debit payments. Apart from this, we also have UPI and electronic wallet payments for the premiums of the investment plans. In addition, automated amount deduction from the bank account is a new option we have added to our list to make payments easier for our clients.

Key Features of Top Investment Plans

  • Our best investment scheme will have higher returns since the interest rate we levy is high than the stipulated market amount.

  • In addition, we also offer flexible premium payments where our clients can easily make deposits of their choices every month.

  • Mutual fund investments involve a number of investors and they are exposed to the market vulnerabilities.

  • Our clients can even opt for rider benefits for the investment plan to get more grants in terms of monetary support.

  • Finally, most of our investment plans offer a hedge against inflation, one of the most attractive features of investment plans.

How Do I Save Tax with an Investment Plan?

With Okbima, our customers can save tax with the investment plan based on Sections 80C and 80D of the Income Tax Act of India. However, the maximum amount of tax an individual can save depends on the chosen investment plan, the customers' income source and slab, and other attributes.

How Will Your Family Receive the Investment Plan Claim Money?

If we receive any investment plan application with a nominee or another joint holder, their families will receive the investment amount upon raising the claim. We need a proper reason for the claim and will process the same based on several conditions.

Investment Plan Riders

Enhance your investment plan with the help of a rider benefit. At Okbima, come and consult with our legal advisors to know more about how these riders work and the changes in the premiums. Following are some of the rider benefits for an investment plan.

  • Accidental rider plan:- It allows to raise a claim on the death of the policy holder in any unforeseen accident.

  • Critical illness rider:- If the policy holder is diagnosed with any critical illness like heart attack, paralysis, stroke, and more, the additional cover will provide the medical funds.

  • Permanent disability benefit rider:- It allows financial help to policy holders who suffer from a permanent disability.

FAQ's About Investment Plans

Here are some of the best questions about the investment plans we offer at Okbima, the interest rates, premiums, claims, and many other aspects.

A person needs to be at least 18 years of age to make an investment plan.

Yes, short-term investment plans like for 3 years or 5 years are available at Okbima

Lock-in period is the duration in which you cannot access the invested money, even if there is an emergency.

The investment maturity amount will depend on the number of years and the interest rate levied on the total deposit.

Monthly investment plan is better because you won’t have to make a huge deposit at a time.