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What are Some of the Safest Investment Options in India?

Like any investment schemes, even ULIPs have myths associated with them. Here are 4 ULIP myths you should know for better investment opportunity.

  • 4,604 Views | Updated on: Jan 10, 2024

The principle of investing is quite important, and the fact that it provides us with the opportunity to generate significant gains over and above the amount invested is undeniably compelling. However, with so many choices to select from and a desire to profit, it is critical to choose the most appropriate and safe investment options in India rather than those that might potentially pilfer your hard-earned cash. In this article, we’ll go over some safe investment options that will provide you a good return while also keeping your money secure.

Public Provident Fund (PPF)

Supported by the Indian government, the Public Provident Fund (PPF) is an investment scheme that has a 15-year lock-in period. Since the PPF is backed by the government, it is considered one of the safe investment options in India. PPFs, provide much higher interest rates than traditional savings accounts. You may either cash the whole account or extend this for another five years when it matures. As per Income Tax Act, 1961 you are also eligible for tax exemptions for the money paid towards PPF.

National Pension Scheme (NPS)

The National Pension System (NPS) is a long-term retirement investment scheme administered by the Pension Fund Regulatory and Development Authority (PFRDA), and it is a safe investment option in India. It includes, among other things, stocks, government funds, corporate bonds, fixed deposits, and liquid funds. You may determine how much of your income to invest in equities through NPS depending on your tolerance for risk.

Fixed Deposits

Bank FDs are one of the safe investment options in India because there are very few cases of a bank failing on an FD. Bank FDs provide a substantially greater interest rate than normal savings accounts. Section 80C of the Income Tax Act, 1961, covers deposits in 5-year tax-saving FDs allowing investors to claim up to ₹1,50,000 each year.

RBI Bonds

The Reserve Bank of India, or RBI, sell bonds to the general public to raise funds for different government initiatives. These bonds have a set duration and money is repaid along with the investment earnings via interest at the end of the term. Any of the 12 national banking institutions, as well as four private banks, sell RBI bonds. RBI offers a certification of holding to recognize the debt. Upon maturity, this certification will serve as proof.


In India, gold is frequently seen as a safer place for a family’s heritage, making it one of the safe investment options as well. However, growing expenses and increased charging rates have made them less appealing in recent years. Gold ETFs are getting increasingly popular these days. These are referred to as ‘paper gold.’ ETFs that invest in gold equities and assets are known as gold ETFs. Unlike expensive gold, they may be purchased from the stock market according to financial capabilities.

As this is an ETF (Exchange Traded Fund), it is handled in a passive manner. It is paralleled in Gold’s performance, and the higher gold performs, the higher the performance of the ETFs will be.

Unit-Linked Insurance Plan (ULIP)

A unit-linked insurance plan (ULIP) is a type of insurance that combines investment and life insurance to safeguard your family financially during uncertain situations. The amount you pay for a ULIP is split into two parts: one goes toward life insurance, and the rest is put in the fund of your choice. ULIPs are an excellent investment choice for you and your family’s long-term goals, such as purchasing a home, funding your children’s schooling, planning for retirement, and planning for your children’s marriage because they allow you to opt for a fund that best fits your risk appetite and goals. We have a complete guide on ULIPs to help you.

To summarise, it is clear that the world of investing is calling everyone to reap its benefits after learning about the top five safe investment options in India. However, before choosing an investment choice, you must perform thorough research and select a viable option for you.

- A Consumer Education Initiative series by Kotak Life

Amit Raje
Written By :
Amit Raje

Amit Raje is an experienced marketer who has worked in various Fintechs and leading Financial companies in India. With focused experience in Digital, Amit has pioneered multiple digital commerce in India. Now, close to two decades later, he is the vice president and head of the D2C business department. He masters the skill of strategic management, also being certified in it from IIMA. He has challenged his challenges and contributed his efforts in this journey of digital transformation.

Amit Raje
Reviewed By :
Prasad Pimple

Prasad Pimple has a decade-long experience in the Life insurance sector and as EVP, Kotak Life heads Digital Business. He is responsible for developing user friendly product journeys, creating consumer awareness and helping consumers in identifying need for life insurance solutions. He has 20+ years of experience in creating and building business verticals across Insurance, Telecom and Banking sectors

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