Learn About Safe Investments with High Returns in India

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

Learn About Safe Investments with High Returns in India

Learn About Safe Investments with High Returns in India
  • 15th Jul 2022 |
  • 1,324

Investment planning is an essential and crucial part of our life. It is necessary to understand your financial requirements and goals and plan the moves accordingly. Good financial planning ensures that your investment is safe and you are not cutting heavily on your daily living expenses. Having said that, it is crucial to look for financial options that are the best mix of safety and returns. You must invest in at least one such financial plan which is highly secure and possesses no or low risk, and, at the same time, yields high returns on your investment.

Several modern and traditional options for safe investments with high returns in India exist. However, an investor needs to check all the aspects of investing money into savings plans. Thus if you are looking for an option that offers safe investments with high returns in India, then you must look at the five options mentioned below.

5 Safe Investments With High Returns In India 2022

Since we are still in the process of tackling a pandemic across the globe, gearing up on your financial front is very important. However, it must be noted that recently, people have been opting for more risk-free options due to the uncertainty in different sectors. However, safer market options like bonds, debts, and securities are still an excellent pick for many investors.

Let’s have a look at the 5 Safe investments with high returns in India 2022:

1. Guaranteed Savings Plan

It is one of those plans that offer better, safe and guaranteed returns as the name suggests in 2022. A guaranteed savings plan is a savings and protection-oriented plan that offers benefits to the policyholder both on maturity and on death. The best part about this plan is the return you get on your investment and other bonuses. Moreover, you also have the option to add insurance riders to this plan to enhance your plan’s protection cover further.

2.Public Provident Fund (PPF)

Government-backed schemes have served as the safest investment option for a very long time. Public Provident Fund (PPF) is one of the most reliable ones. It is a long-term savings scheme with a lock-in period of 15 years. However, PPF yields a high return on investment compared to other options. It is a great way of building a retirement corpus for yourself while saving taxes. Since PPF offers a very high-interest rate while offering tax exemption on the corpus build and the returns gained, it is considered one of the safest investments with high returns in India.

Additionally, you can extend the investment tenure for as much as five years. The best part about PPF is that you can start investing in it from as low as ₹500 to up to ₹1.5 lacs in one financial year.

3. Senior Citizen Savings Scheme (SCSS)

SCSS (Senior Citizens Savings Scheme) is a post office savings scheme for senior citizens that provides investors with security and a predictable income. It’s also a tax-saving strategy. It’s ideal for retirees seeking a low-risk investment. Section 80C of the Income Tax Act allows for a tax deduction for assets in SCSS. On the other hand, interest is taxed according to the individual’s tax bracket.

SCSS proves to be among the safe investments with high returns in India as it is backed by the Government and hence falls under the category of low-risk investment options.

4. Fixed Deposits (Bank FDs)

Fixed deposits are the most common form of a savings plan and the simplest method of safe investments with high returns in India. A bank FD offers good interest rate than a regular savings account. However, the decreasing rate of interest is still a concern for many. We recommend that if you are looking for a short-term investment with good liquidity, you can consider FDs. However, going for a Guaranteed Savings Plan would be a good move since they offer tax benefits, long-term investment and excellent returns.

5. National Pension Scheme

A great government-backed investment option is the best for individuals looking to invest money to secure their future after retirement. The national pension scheme provides a great interest rate of 8% to 10%. The minimum sum you can contribute to this fund is ₹6,000 in a year, i.e. roughly ₹500 per month. Any Indian citizen who is 18 years to 60 years old can open an NPS account. The policy matures when the policyholder attains an age of 60 and can be extended to 70 years. It also offers tax savings options. Thus it is a great long-term savings plan for many individuals.

So if you want to invest your hard-earned money in safe schemes, then the plans mentioned above are your best bets. Experts suggest that you must keep a vivid portfolio where you have all short-term, mid-term, and long-term policies. Modern investment options like ULIPs and Guaranteed Savings Plans are some of the policies that low-risk investors must indeed explore before finalizing a savings plan for their financial goal.

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

ULIP vs FD - Which is Better and Why?

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

How to Start Saving Money in 10 Simple Ways?

ULIP as an Investment for Your Child

How Do One-Time Investment Plans Work?

Top 10 Investment Strategies to Create Wealth

Investments Options to Buy a house in India

Why Should You Invest in Term Insurance And ULIP?

What are the Best Investment Options For Females?

How to Plan your Investment to Achieve Periodic Financial Goals?

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

Different Types of Endowment Plans

Things to Know Before Buying an Endowment Plan

Investment Options for NRIs in India

Which is a Better Investment - Mutual Funds Or ULIP?

उच्च रिटर्न प्राप्त करने के लिए सर्वश्रेष्ठ इन्वेस्टमेंट विकल्प

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

Why Should Parents Invest in Endowment Plan?

Creating a second source of income with life insurance

Are Money Back Policies Helpful? A Complete Guide

Best Investment Options to Cover Your Child's Education

Top 6 Investment Plans Available in India

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

How to Manage Inheritance Money?

Importance of Portfolio Management

ULIP Plan as a Gift

Long Term Savings Plan - Best Savings Investment Plans in India

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

Top 5 Principles That Need to be Followed for Wealth Creation

How to Make Your Financial Portfolio?

Important Questions You Must Ask Yourself When Buying a ULIP Plan

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

What is ULIP Renewal?

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

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

How to Manage Your Portfolio Like a Professional?

Top 5 Investment Options in 2022 for Healthy Returns

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

Savings Plan for Grandchildren

What is better - Guaranteed Savings Plan or Fixed Deposit?

Short Term and Long Term ULIP Plans for Wealth Creation

Best One-Time Investment Plans in India

4 Important Tips to Maximize Gains with ULIP Investments

4 Benefits of ULIP Fund-Switching Feature

Difference Between Passive and Active Investing

Best Investment Options in India in 2022

What are the Best Investment Options for Students in India?

How to Cancel ULIP Policy?

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

Safe Investment Options with High Returns for FY 2018-19

How Does an Endowment Plan Work?

What are the Best Investment Options for Young Adults?

Endowment Plan vs Fixed Deposit?

Building wealth through regular investing

Learn About Safe Investments with High Returns in India

What is a Savings Plan and What are is Benefits?

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

Customising investments to manage your wealth

What are Deferred Savings Plans?

Are Gains from ULIP Sale Taxable?

ULIP Benefits You Can Avail from Early Investing

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

Complete Savings Plan for Low Income Earners

What are Some of the Safest Investment Options in India?

Basics of Guaranteed Savings Plan

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

Asset Allocations in ULIP - Know the Top Benefits

What is the Importance of Saving Money?

How to Increase Net Worth Along with Family Protection

Can ULIP Help in Achieving Short-Term Financial Goals?

Early Investing and the Power of Compounding

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

Difference Between Guaranteed Savings Plan and ULIP

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

Receiving regular payouts at various stages of life

How To Track ULIP Performance?

Successful Financial Planning for Urban Women

Difference Between Guaranteed Savings Plan and Guaranteed Income Plan

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

How to Plan Savings from Salary?

Who Should Invest in Savings Plan?

Benefits of ULIP as a Child Insurance Plan

ULIP Investment Strategy: Top Tips to Improve Your ULIP Gains

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

3 Tips to Buy Guaranteed Savings Plan

What are Tax-Deferred Savings Plans?

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

How To Diversify Portfolio In 2022?

Do You Know the Difference Between Savings and Investment?

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

Planning Financial Goals and Objectives of Financial Planning