Where to Invest Money For High Returns in India

Where to Invest Money

We all work hard to earn money. A proper investment makes the money work for us. It’s essential to invest the money properly. Just saving is not enough as keeping money in the bank hardly returns any onus.

Investment Options in India

There are many ways through which we can invest money in India. The way of investment is not a problem if you have enough savings or money for investment, but the point of consideration is where to invest? While answering this question, some factors need to be considered while selecting the best plan: the expected return, risk factor, time factor, and guarantee of amount.

As per the factors mentioned above, there is little information related to the investment plans. Their specific plans are discussed below, which can be considered while investing money in India.

Corporate FDsWith, With a fixed rate of interest and fixed tenure period term insurance, corporate FDs are offered by non-banking financial companies. The time of deposit ranges from a few months to years. These are term deposits offered by financial companies and non-banking financial companies. The maturity period for these fixed deposits may vary from a few months to a few years.

RBI Saving Bond

Popularly termed as Floating Rate Saving Bond, they are specifically suited for senior citizens and investors looking for safe investments though anyone can apply for them. Issued by the government of India, RBI saving bonds are debt instruments. The nominal amount for the bond is 1000, and then it can be multiplied with no maximum limits. The bond is issued in both cumulative and non-cumulative form in Demat form. But these bonds are not transferable.

Sovereign Bond

Issued by the government, these are specific debt instruments for raising money to gather finance for government programs or pay old debts taken by governments, etc. Denominated in both foreign and domestic currency. Like any other bond, this is also a kind of a bond that promises to pay a specific interest after a certain period, and after maturity, the face value is repaid.

Government Guaranteed Bonds

The principal amount and the interest are guaranteed to repay if there is a default by the issuer. To support government spending, the debt securities issued by a government are government security bonds. All various types of government-guaranteed bonds are available on The Fixed Income.com website.

Tax-Free Bonds

People don’t always invest to get high returns; sometimes, their motive is to reach zero tax on returns; due to this, tax-free bonds are issued in the market by the government. The government issues tax-free bonds to raise money for a specific purpose. With a low risk of default in an investment scheme and a fixed return, this scheme is ideal for investors with a high tax bracket.

Gold bond

Denomination of gold in bonds. The bonds are issued as multiples of 1gm of gold. So, the minimum quantity of investment is 1gm. Per financial year the maximum amount set for buying gold through bond by an investor is 4kg. A nomination facility is availed with this bond. The main feature of a gold bond is its fixed interest on its nominal value paid half-yearly (every six months). RBI issues a certificate of investment to the investor, which the bank delivers.

Bond IPO

The process of issuing new stock to the public by a private corporation can be referred to as IPO, initial public offering. The way of raising capital from a public investor is IPO. Although IPO is very expensive and the value fluctuates very much but provides maximum returns. Available on Fixed Income.com for interested investors.


The main criteria for investment are the return we get to grow our money, utilizing the savings, rolling the money in the market, and getting benefits from the tax. Return from investment is the fruit for which we plant the tree of investment. In-depth knowledge of the different investment options available in India is needed for smart investments in the market. Investment is done for growing wealth and saving money.


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