How Do One-Time Investment Plans Work?

Buy a Life Insurance Plan in a few clicks


Now you can buy life insurance plan online.

Kotak e-Term Plan

Kotak e-Term Plan provides a high level of protection to your loved ones in your absence. Know more

Kotak Guaranteed Savings Plan

Kotak Guaranteed Savings Plan is a savings and protection plan that helps you achieve long-term financial goals and provides an insurance cover against any eventuality. Know more

Kotak E-Invest

Kotak e-Invest plan is a complete Unit-Linked Insurance Plan that can be customized as per your goals and needs. Know more

Kotak Health Shield

Kotak Health Shield Plan helps secure your finances in sudden medical expenses such as Cardiac, Liver, Neuro, and Cancer (all early and significant illness stages/conditions of cancer), along with offering protection for personal accidents - in case of accidental death or disability. Know more

Kotak Lifetime Income Plan

Kotak Lifetime Income Plan gives you the security of your income continuing throughout your life and in your absence throughout your spouse's lifetime! Know more

How Do One-Time Investment Plans Work?

How Do One-Time Investment Plans Work?
  • 26th Jul 2022 |
  • 1,295

Investing your hard-earned money is the only way to grow wealthy over the years. However, you cannot earn and let the money stay in your savings account since it hardly makes anything. Plus, with the rate at which the investment is rising, it is paramount that you start investing in plans that help you prepare for your family’s financial security.

There are various ways in which you can invest money in multiple instruments. One-time investment plans can be handy for most people as they offer long-term benefits.

In this article, we will explain to you how one-time investment plans work .

What is a One-Time Investment Plan?

One-Time Investment Plan refers to the investment plan in which the lump sum amount is invested for a specified time in just one go. This investment plan is apt for those with a large sum of money and a high-risk tolerance. With a one-time investment plan, you will not have to worry about future uncertainties. Making the best and most profitable decision takes lots of effort and time. In a one-time investment plan, the policyholder invests the lump sum amount in one go for a specific period. The return is accumulated on the invested amount. Keeping the amount financed in your bank accounts for a longer duration is profitable for the best results.

Types of One-Time Investment Plan

Below mentioned are some of the one-time investment plans:

Unit-Linked Insurance Plan (ULIP)

It is a type of one-time insurance plan that provides the policyholders dual benefits of investment and insurance. As a result, you can get a life insurance policy and invest the remaining portion of your premium. The fund allocation is flexible and based on your risk appetite and choice of funds, such as equity, funds, or a hybrid scheme. You can switch your funds and modify the portfolio to yield maximum returns. Also, the amount contributed to ULIPs can be claimed as tax-deductible under Section 80C.

Public Provident Fund (PPF)

It is a government-run investment scheme with a lock-in term of 15 years and can be extended upto five years. Under PPF, the income generated on policyholders’ investment is compounded annually, thus resulting in lucrative returns at maturity. One can deposit a minimum of ₹500 and a maximum of ₹1.5 lakhs per year. Additionally, you can use your PPF balance as security when applying for a loan.

Gold ETFs (Exchange-Traded Funds)

Gold ETF is an excellent investment choice as the prices of gold are comparatively less volatile. It is a form of passive investment which can also be used to diversify your portfolio. A minimum of one unit of gold (one gram of gold) is required to begin investing in gold ETFs. It is a secure investment due to the inflation-beating returns and tax benefits. You can start to invest by opening a Demat account and a trading account. The transactions can be done in cash instead of gold.

Fixed Deposits (FD)

Fixed deposits are the most popular low-risk one-time investment plan and offer high returns. The returns on this investment plan are guaranteed. Even though the interest rates on FDs are lower, many people prefer them because of the safe returns. The tenure of this policy usually varies from seven days to a year.

Post Office Fixed Deposits

Post Office FD is another form of Fixed Deposit where the interest rates are determined by the Indian Government every quarter. The returns are guaranteed with a considerable interest rate. It is a secure investment as no volatility is involved. Moreover, POFD also provides the benefits of tax exemption and premature withdrawal.

National Savings Certificate (NSC)

The government-backed post office scheme, NSC, is one of the safest investment options available in the market. NSC provides guaranteed returns and attractive interest rates on your secured amount. The tenure of this policy varies from five to ten years. You can begin to invest with a minimum of ₹100. However, there is no upper limit to investing in NSC. The certificate can also be transferred from one person to another.

National Pension Scheme

Being a government-backed investment scheme, NPS is considered one of the best schemes for senior citizens. Therefore, it is an excellent pick for a one-time investment, especially for those looking to secure their financial stability post-retirement. Earlier, the scheme was available only for public sector employees. However, the central government now allows everyone from the public, private, and unorganized sectors to invest in the NPS.

An Indian national can opt for NPS as a one-time investment during their work years. The best part is when you invest in NPS; you are allowed to collect a portion of your maturity amount. The rest is invested towards annuity, the pension fund for regular payment at intervals. Additionally, you can also save on taxes while investing in NPS.

Numerous one-time investment plans offer high returns benefits to the policyholder, each tailored to a specific goal and risk profile. Every investor is different, and the ideal investment is determined based on time horizon, the amount of capital they are ready to invest, risk tolerance, and willingness to diversify their portfolio.

Kotak e-Invest

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


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

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


Browse our library of resources

- A Consumer Education Initiative series by Kotak Life

Similar Articles

Endowment Plan vs Fixed Deposit?

Difference Between Guaranteed Savings Plan and ULIP

Planning Financial Goals and Objectives of Financial Planning

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

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

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

Savings Plan for Grandchildren

Top 6 Investment Plans Available in India

Are Gains from ULIP Sale Taxable?

How to Increase Net Worth Along with Family Protection

Why Should You Invest in Term Insurance And ULIP?

Different Types of Endowment Plans

Top 5 Investment Options in 2022 for Healthy Returns

What is a Savings Plan and What are is Benefits?

How to Manage Inheritance Money?

Long Term Savings Plan - Best Savings Investment Plans in India

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

Asset Allocations in ULIP - Know the Top Benefits

Safe Investment Options with High Returns for FY 2018-19

Best Investment Options in India in 2022

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

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

What is ULIP Renewal?

Benefits of ULIP as a Child Insurance Plan

Importance of Portfolio Management

What are the Best Investment Options for Young Adults?

उच्च रिटर्न प्राप्त करने के लिए सर्वश्रेष्ठ इन्वेस्टमेंट विकल्प

Best One-Time Investment Plans in India

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

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

How to Plan Savings from Salary?

How to Start Saving Money in 10 Simple Ways?

What are the Best Investment Options For Females?

What is the Importance of Saving Money?

Best Investment Options to Cover Your Child's Education

ULIP as an Investment for Your Child

Important Questions You Must Ask Yourself When Buying a ULIP Plan

What are Tax-Deferred Savings Plans?

Are Money Back Policies Helpful? A Complete Guide

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

How to Cancel ULIP Policy?

Top 5 Principles That Need to be Followed for Wealth Creation

Do You Know the Difference Between Savings and Investment?

Successful Financial Planning for Urban Women

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

How To Diversify Portfolio In 2022?

3 Tips to Buy Guaranteed Savings Plan

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

What are the Best Investment Options for Students in India?

ULIP Benefits You Can Avail from Early Investing

Complete Savings Plan for Low Income Earners

How To Track ULIP Performance?

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

Building wealth through regular investing

How to Plan your Investment to Achieve Periodic Financial Goals?

Can ULIP Help in Achieving Short-Term Financial Goals?

Short Term and Long Term ULIP Plans for Wealth Creation

Difference Between Guaranteed Savings Plan and Guaranteed Income Plan

What are Some of the Safest Investment Options in India?

What is better - Guaranteed Savings Plan or Fixed Deposit?

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

Creating a second source of income with life insurance

ULIP Investment Strategy: Top Tips to Improve Your ULIP Gains

Investment Options for NRIs in India

Receiving regular payouts at various stages of life

How to Manage Your Portfolio Like a Professional?

Who Should Invest in Savings Plan?

Things to Know Before Buying an Endowment Plan

ULIP Plan as a Gift

How Does an Endowment Plan Work?

Basics of Guaranteed Savings Plan

How to Make Your Financial Portfolio?

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

Top 10 Investment Strategies to Create Wealth

Difference Between Passive and Active Investing

Customising investments to manage your wealth

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

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

Which is a Better Investment - Mutual Funds Or ULIP?

4 Benefits of ULIP Fund-Switching Feature

Learn About Safe Investments with High Returns in India

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

Why Should Parents Invest in Endowment Plan?

4 Important Tips to Maximize Gains with ULIP Investments

ULIP vs FD - Which is Better and Why?

Learn About Safe Investments with High Returns in India

What are Deferred Savings Plans?

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

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

Investments Options to Buy a house in India

Early Investing and the Power of Compounding