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What are the Best Short-Term Investment Plans with High Returns?

What are the Best Short-Term Investment Plans with High Returns?
  • 14th Apr 2022 |
  • 2,947

Money is a valuable commodity in our lives, and hence all of us are focused on maximizing our financial growth. The best way to achieve this is to invest in plans that offer sufficient returns. This allows you to save your money and at the same time earn interest and good returns for you. However, there is no quick way to earn huge interests and returns without taking risks. So, if you are among those who believe in possessing liquidity, you must look for short-term investment options with high returns. This type of investment allows you to save money and earn good interest, helping you meet your short-term financial goal. However, the main challenge is picking the best investment options in India for short-term to fit your financial needs.

If you start looking for short term investment options in India, you will find so many that it may confuse you. Each finance company will offer a product to lure you. But it is up to you to decide what is right and wrong. The only problem with short term investment options with high returns is that they may have high-risk avenues depending on the return and interest.

To better understand the short term investment options with high returns, this article will discuss short-term investment plans and briefly take a look at some of the best investment options in India for the short-term.

What are short term investment plans? How to select the best short term investment options?

There are two classifications of investment options in India.

1. Short-term investment

2. Long-term investment

A short term investment is an investment done to fulfil a near-future need or desire. For example, you want to buy an iPhone 14 as soon as it launches, and at the same time, you know that you can’t do this without saving money for it. Such situations are when short term investment options with high returns are helpful. However, to mention again, some short term investment avenues that offer luring interest rates and returns are high risk at times.

Thus investment plans that offer maturity in the short term, say 6-months, 1-year, or 2-year tenors, are called short term investment plans.

Best short term investment options in India:

Here are some of the best short term investment options with high returns in India that you may opt for

1. Unit-Linked Insurance Plans (ULIPs)

It is a type of financial instrument that offers two of the essential financial requirements most expected by investors and policyholders: investment as well as insurance. Such plans offer flexibility along with numerous benefits like allowing one to choose from a range of funds based on their financial situation and goals.

2. Fixed Deposits (FDs)

You can easily create a corpus for a short-term goal using a fixed deposit. Most banks and some NBFCs also offer FDs with a good interest rate. However, reading the rules and regulations is advised before putting the money into fixed deposits.

3. Recurring deposits (RDs)

It is one of the most common short term investment tools investors use to save their money for short-term needs. The most significant feature about RDs is that they are highly secure and are offered in almost all banks.

4. Debt Mutual Funds

Through these types of mutual funds, an investor can primarily invest money in debt instruments like government bonds, commercial papers, treasury bills, corporate bonds. This is one of the best short term investment options that one can opt for in India.

Other popular short term investment options with high returns:

  • Corporate Deposits (CD)
  • SIP in Equity Mutual Funds
  • Stock Market
  • Savings Account
  • Treasury Securities
  • National Savings Certificate (NSC)

Though multiple options available in the financial market can seem daunting, the bright side is that they open doors, giving a spectrum of offerings suitable for each investor.

Kotak e-Term Plan


  • Nominal Cost
  • Multiple Plan Options
  • Flexible Payout Options
  • Critical Illness Rider
  • Tax Savings
  • Long term Coverage

Ref. No. KLI/22-23/E-BB/492


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