Best Guaranteed Returns Investment Options to Meet your Financial Goals

Buy a Life Insurance Plan in a few clicks

Now you can buy life insurance plan online.

Kotak e-Term Plan

Protect Your family’s financial future with Kotak e-Term Plan. Know more

Kotak Assured Savings Plan

A plan that offer guaranteed returns and financial protection for your family. Know more

Kotak Guaranteed Savings Plan

A plan that offers long term savings and insurance in one premium. Know more

Kotak e-Invest

Insurance and investment in one plan with Kotak e-Invest. Know more


Get a Call

Enter your contact details below and we will get in touch with you at the earliest.

  • Select your Query

Thank you

Our representative will get in touch with you at the earliest.

Kotak e-Invest

Best Guaranteed Returns Investment Options to Meet your Financial Goals

Check high-interest rate investments to get the most return in a certain period. Here are the top best 5 guaranteed return investment plans to meet your financial goals.

  • Dec 07, 2022

People of all ages are concerned with finding the best investment plan with significant returns. However, while accumulating money is crucial for a financially secure future, you can only make it partially on savings.

You need a solid insurance plan with guaranteed returns that grows your money over the years. And your risk tolerance, investment horizon, financial objectives, and liquidity requirements should be the pointer considered for that.
You need to undergo deep research and study to find high-interest rate investments to get the most return in a certain period with the least amount of risk. The article will highlight the top 5 guaranteed return investment plans available.

The top 5 Guaranteed Returns Investment Options

Investment plans with guaranteed returns include tools that provide fixed returns, as the name implies. People favor investment safety over huge profits, and therefore, they should choose the best investment plan with high returns.

Setting time-bound goals enable you to increase your money over time with guaranteed returns. Here is a handful of the best insurance plan with guaranteed returns:

Unit Linked Insurance Plans (ULIPs)

The life insurance policies known as ULIP offer complete life coverage and a long-term path to wealth growth based on market-linked returns. It assists you in achieving your long-term goals by acting as an investment and a life insurance policy. Depending on your risk tolerance, you can choose to invest in equities, debt, or a mix of the two. Additionally, you can invest in ULIP to reduce taxes on your hard-earned money under the Income Tax Act of 1961.

National Pension System (NPS)

The best investment choice for assured returns is NPS, a government-sponsored retirement program. It was developed to assist people in securing their retirement. Here, subscribers can make a defined contribution toward their savings goals and use their accrued pension to buy a life annuity from a life insurance provider certified by PFRDA. The applicant only needs to open an account and select their investment options to participate in this low-cost pension program.

Public Provident Fund (PPF)

PPF is a high-interest rate investment saving scheme offered by India’s government to provide everyone with a secure post-retirement life. It was first introduced in 1968, and since then, it has emerged as one of the most potent tools due to its combination of safety, return and tax savings. It has multiple investor-friendly features and associated benefits, including stable returns and low risk. It is one of the most popular investment options since the government of India guarantees the investment and makes it one of the safest long-term investments.

National Savings Certificate (NSC)

The NSC is a fixed-income investment strategy that, like fixed-income instruments, offers guaranteed interest and complete capital protection. The government of India is providing it to encourage those with low or average incomes to invest. While other investment options require a minimum investment into the program, the National Savings Certificate (NSC) requires getting certificates in various denominations. Based on the specified interest rate, NSC receives fixed returns. Even though the interest compounds annually, it is only paid out when the loan matures.

Senior Citizen Savings Scheme (SCSS)

For those older than 60, SCSS is the best investment plan with high returns supported by the Indian government. Long-term savings are made possible by this attractive alternative, which also provides unparalleled security and appealing features. It came into the picture with the primary objective of giving Indian seniors a steady income after they turn 60. The program offers people the best investment plan with high returns and includes several security elements. The SCSS scheme is available worldwide at post offices and accredited banks.

An insurance plan with guaranteed returns includes tools that provide fixed returns, as the name implies. Individuals should clearly consider all the factors while choosing high-interest-rate investments.

Doing this will ensure that your life, even after retirement, is one of comfort rather than tension. In addition, with investment plans, your financial portfolio will be more diversified, low-risk, and safe in case of medical emergencies. It is advisable to understand the different types of investment options before opting for the one that suits your family the most.

In this policy, the investment risk in the investment portfolio is borne by the policyholder.

Kotak e-Invest

Download Brochure


  • Return of Mortality Charges*$
  • Enhanced Protection
  • Multiple Plan Options
  • Zero Premium Allocation Charges
  • Tax Savings^

Ref. No. KLI/22-23/E-BB/521


- A Consumer Education Initiative series by Kotak Life

Similar Articles

Benefits of ULIP as a Child Insurance Plan

How to Choose the Best ULIP Plans to Invest in 2022?

Are Gains from ULIP Sale Taxable?

What are the Best Investment Options For Females?

Are Money Back Policies Helpful? A Complete Guide

What is better - Guaranteed Savings Plan or Fixed Deposit?

How to Manage Inheritance Money?

What are the Best Investment Options for Students in India?

Savings Plan for Grandchildren

Learn About Safe Investments with High Returns in India

4 Benefits of ULIP Fund-Switching Feature

What is a Savings Plan and What are is Benefits?

How Much Wealth Can You Create from ULIP in 10 years?

ULIP vs FD - Which is Better and Why?

Long Term Savings Plan - Best Savings Investment Plans in India

Investment Options for NRIs in India

Why Should I Invest in ULIP?

Why are ULIPs One of the Best Tax Saving Instruments?

Building wealth through regular investing

Importance of Portfolio Management

What is Direct Investment and its Types?

Which are the Best Investment Plans for Indian Senior Citizens in 2022?

How to Increase Net Worth Along with Family Protection

Do You Know the Difference Between Savings and Investment?

Best Investment Options in India in 2022

What is the Time Value of Money (TVM)?

Best Investment Options to Cover Your Child's Education

Why Should You Consider Guaranteed Savings Plan for Long-Term Investment?

Investments Options to Buy a house in India

Complete Savings Plan for Low Income Earners

How To Diversify Portfolio In 2022?

What are the Best Investment Options for Young Adults?

Why Are ULIPs Called Flexible Investments?

Top 9 Investment Plans Available in India

Why Should You Invest in Term Insurance And ULIP?

Asset Allocations in ULIP - Know the Top Benefits

उच्च रिटर्न प्राप्त करने के लिए सर्वश्रेष्ठ इन्वेस्टमेंट विकल्प

Why Should Parents Invest in Endowment Plan?

How to Start Saving Money in 10 Simple Ways?

What are Tax-Deferred Savings Plans?

How Is ULIP Different from Other Life Insurance Plans? Where Can I Invest - ELSS, ULIP, or PPF?

Factors Affecting Stock Markets

उच्च रिटर्न प्राप्त करने के लिए सर्वश्रेष्ठ इन्वेस्टमेंट विकल्प

Is This The Right Time To Invest In ULIP? Why or Why Not?

How To Track ULIP Performance?

How to Manage Your Portfolio Like a Professional?

What are Some of the Safest Investment Options in India?

The lesser-known facts about ULIP policy that customers should be aware of?

Best Investment Plans for Children - Secure Your Child's Future

Beginner's Guide to Wealth Creation: Meaning, Strategies, & Importance

Difference Between Guaranteed Savings Plan and ULIP

Endowment Plan vs Fixed Deposit?

Things to Know Before Buying an Endowment Plan

ULIP Plan as a Gift

Receiving regular payouts at various stages of life

What are loyalty additions, and how do they work in a ULIP?

Can ULIP Policy be Transferred?

Difference Between Passive and Active Investing

Which is Better – FD, Mutual Fund, SIP, or ULIP?

Debt ULIPs vs. Debt Mutual Funds: What's the Difference?

Rate of Interest on Different Investment Plans in India

What are Mutual Funds?

How is the Compound Annual Growth Rate (CAGR) Calculated in ULIP?

What is Fund Switch in ULIP? And ULIP Fund Switching Techniques

ULIP as an Investment for Your Child

Here's Why it's a Good Time to Explore ULIPs as an Investment

Why is Portfolio Diversification Important? How to Diversify Your Portfolio?

Planning for Your Child's Higher Education? Explore These Investment Options

Customising investments to manage your wealth

How Do One-Time Investment Plans Work?

Planning Financial Goals and Objectives of Financial Planning

ULIPs Investment – A Boon or Bane?

How Can a Legal Nominee Claim ULIP Benefits are the Policyholder’s Death?

How to Plan Your Child's Education - A Step-by-Step Guide

Different Types of Endowment Plans

Can ULIP Help in Achieving Short-Term Financial Goals?

Why ULIP is Better Investment for Long-Term Wealth Creation?

ULIP NAV Meaning & How is the Return Calculated in ULIP

Which is a Better Investment - Mutual Funds Or ULIP?

Short Term and Long Term ULIP Plans for Wealth Creation

What is Money Management? Definition & Example

Top 5 Principles That Need to be Followed for Wealth Creation

What is ULIP Renewal?

What is the Importance of Saving Money?

How to Cancel ULIP Policy?

Which are the Best ULIP Plans in India for Children?

Top 10 Investment Strategies to Create Wealth

How to Plan your Investment to Achieve Periodic Financial Goals?

Safe Investment Options with High Returns for FY 2018-19

How to Plan Savings from Salary?

How to Make Your Financial Portfolio?

How Does an Endowment Plan Work?

What's Better for Your Child's Education? Child Plans or Mutual Funds?

8 Important Tips to Maximize Gains with ULIP Investments

How to Fulfil Your Financial Goals in the Next 10 Years?

Top 5 Investment Options in 2022 for Healthy Returns

What are Financial Assets & their types?

Early Investing and the Power of Compounding

Successful Financial Planning for Urban Women

Best One-Time Investment Plans in India

ULIP Investment Strategy: Top Tips to Improve Your ULIP Gains

What are the Best Investment Options for Beginners or Amateur Investors in India?

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

Why Should You Build an Emergency Fund?

Why Do You Need A ULIP Plan - All You Need To Know

Important Questions You Must Ask Yourself When Buying a ULIP Plan

Creating a second source of income with life insurance

ULIP Benefits You Can Avail from Early Investing

How To Invest Money In ULIP?

Learn About Safe Investments with High Returns in India