Buy a Life Insurance Plan in a few clicks

Now you can buy life insurance plan online.

Kotak e-Term

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

Kotak Lifetime Income Plan

Retirement years are the golden years of life. 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.

What are the Best Investment Options For Females?

Women are not only educated but also independent, both socially and financially. Read to know the best investment options for women and homemakers to achieve their investment goals.

  • Nov 16, 2022

There are dedicated investment plans for women in the finance market that are designed specifically to cater to their financial goals and needs. To find the best investment options for women, it is important to understand how to find them and what factors to look for to identify the best options.

Women’s empowerment in India, especially in the last two decades, has been remarkable. Today women are not only educated but are also independent both socially and financially. They have made themselves so capable that they are now leading their families, organizations, and society. This is a grand feat for us as a society. However, for every woman, savings has been a critical priority. As they succeed more and more, the options for new finance and investment avenues are expanding for them. Investing money not only enables them to be independent but also allows them to support their family and maintain a good and healthy living standard.

In this article today, we will discuss the best investment options for women and also shed some light on the best investment options for housewives in India.

PPF (Public Provident Fund)

They are considered the best and the safest option that women can opt for to build a good savings balance. PPF is a popular investment plan available in all post offices and banks. You get a decent interest rate when you invest in PPF compared to other similar long-term saving schemes for ladies.

PPF provides an interest rate ranging as high as 7.1% to 8% in tenure of 15 years. In addition, PPF is government-backed and risk-free, making it the safest investment option for women. The features that make PPFs more lucrative are the range of deposit amount and withdrawal facility after 5 years.

PPFs allow women to invest an amount as small as ₹500 to as high as ₹1.5 lacs per year. Moreover, it allows women to withdraw as much as 50% of the total deposit after 5 years. This enables women to have access to liquidity and, at the same time, save a large amount. The benefits linked to PPF make it one of the best investment options for housewives in India.

EPF (Employees’ Provident Fund)

Just like the PPF, EPF is as good as they allow the working females to allocate a dedicated sum as soon as the income is credited and have tax-free savings with a decent interest rate. The interest rates on the EPF are generally regularized by the government depending on various economic factors but generally are in the higher range only (above 6%).

In addition, working females only have to contribute 8% of their primary income to EPF funds for the first 3 years. The private sector female employees can invest a maximum amount of up to ₹2.5 lacs, while the female employees working in the government sector can invest as much as ₹5 lacs in the EPF scheme.

Kindly note that besides the mandatory government rules of EPF deduction, you can further invest more money into EPF. Still, you will only get EPF interest as per the rate per annum in the additional sum invested.

ULIP (Unit-Linked Insurance Plan)

A ULIP policy serves as both insurance and an investment tool. They allow individuals to explore the capital market for investment opportunities while providing essential life insurance. Unfortunately, choosing a life insurance plan and significant investments can be time-consuming and financially exhausting for many women. ULIPs can be extremely useful and wise in this situation. In addition, ULIP tax benefits under Section 80C and Section 10(10D) of the Income Tax Act propose that income invested, interest earned, and the maturity amount be tax-free, making ULIPs more appealing to those seeking low-cost investment options.

NSC (National Saving Certificate)

This option is one of the highly opted investment options among women. NSC offers a high-interest rate of up to 8%. Additionally, there is no cap on the sum/money invested. Also, it is a disciplined investment tool that comes with certain restrictions preventing you from withdrawing an amount before maturity for optimum investment output at the time of maturity. These are some of the factors that make NSC one of the best investment options for females.

KVP (Kisan Vikash Patra)

KVPs are certificates issued by post offices across India offering an annual interest rate of as much as 7.6%. Moreover, KVPs are considered one of the best short-term investment options for females and have no maximum contribution cap, allowing them to invest large amounts at once.

SSY (Sukanya Samriddhi Scheme)

Sukanya Samriddhi Yojana is one of the best saving plans for girl child in India. It is a government-led initiative launched as a part of ‘Beti Bachao, Beti Padhao’ campaign. The idea is to help parents and guardians secure a girl child’s future. This one is mainly for girls aged below 10 years of age.

The tenure for SSY is 21 years. After that, you can open an account at Indian posts and banks. You can earn an interest of 7.6% per annum on your investments.

A few more best investment options for women may fit their investment goal, such as National Savings Certificate (NSC), Post Office Monthly Income Scheme, Fixed Deposit (FD), Gold, Mutual Funds, etc. Real Estate. Further, there are other good options available in the market as well.

Why is Investment Important for Women?

The percentage of working women is rapidly growing, and with time it is even more convenient for women to invest and secure their future. Some of the major benefits of investments are as follows:

Supporting Family Goals

Long-term goals require long-term investment, buying a house, raising children and etc., require a huge corpus. Sometimes, salary and savings are not enough to fulfil all the dreams. Hence, properly planned investment is essential to achieve all the long-term goals.

Financial Security

Regular investment helps maintain a substantial corpus and provides financial stability to the family. Thus, investment helps achieve short-term or long-term goals without burning the pocket.

Planning for Children’s Future

All parents want to give their children a top-notch education; with investment, one can put aside a lump sum amount for the child’s education which can later be utilised to fund the higher education of the child.


Before investing in any kind of policy and putting your hard earned money at risk, It is advisable to read the documents of any financial plan carefully before investing in them! The market is filled with a variety of policies, one should understand and go through all the options before opting for the one that suits them the best.

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

Best Investment Options in India in 2022

Why are ULIPs One of the Best Tax Saving Instruments?

How To Diversify Portfolio In 2023?

What is Equity Mutual Funds: Meaning, Types & Benefits

यूलिप प्लान में परिपक्वता लाभ क्या हैं: फंड वैल्यू सम एश्योर्ड या ओनली फंड वैल्यू?

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

What is SIP Calculator, And How Does it Work?

How To Invest Money In ULIP?

What are Mutual Funds?

Best One-Time Investment Plans in India

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

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

What Is Financial Planning?

What are Tax-Deferred Savings Plans?

Asset Allocations in ULIP - Know the Top Benefits

Long Term Savings Plan - Best Savings Investment Plans in India

Difference Between Passive and Active Investing

लॉयल्टी एडिशन क्या हैं, और वह यूलिप में कैसे काम करते हैं?

How Does an Endowment Plan Work?

Which is a Better Investment - Mutual Funds Or ULIP?

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

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

ULIPs Investment – A Boon or Bane?

How to Cancel ULIP Policy?

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

Planning Financial Goals and Objectives of Financial Planning

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

What are the Best Investment Options for Students in India?

Different Types of Endowment Plans

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

ULIP vs FD - Which is Better and Why?

Important Questions You Must Ask Yourself When Buying a ULIP Plan

Successful Financial Planning for Urban Women

How to Use Recurring Investment Strategies to Build Wealth?

Savings Plan for Grandchildren

Why Should You Build an Emergency Fund?

Can ULIP Help in Achieving Short-Term Financial Goals?

ULIP Capital Gain Tax: Check Tax Norms for Capital Gain on ULIPs

Things to Know Before Buying an Endowment Plan

How to Manage Your Portfolio Like a Professional?

Customising investments to manage your wealth

What is a Savings Plan and What are is Benefits?

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

Why Are ULIPs Called Flexible Investments?

Safe Investment Options with High Returns for FY 2018-19

How to Manage Inheritance Money?

Is the ULIP Policy Surrender Value Taxable?

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

What is a Child Money Back Plan, and How Does it Work?

What are the Maturity Benefits in a ULIP Plan: Fund Value Sum Assured or Only Fund Value?

Can ULIP Policy be Transferred?

Creating a second source of income with life insurance

यूलिप के फायदे और नुकसान क्या हैं?

Why Should Parents Invest in Endowment Plan?

How to Plan your Investment to Achieve Periodic Financial Goals?

How To Track ULIP Performance?

What is the Importance of Saving Money?

The Importance of Starting Early: Securing Your Child's Future with a Child Education Plan

What are the Best Investment Options for Young Adults?

What is Money Management? Definition & Example

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

How to Calculate Your ULIP Returns?

ULIP as an Investment for Your Child

How to Start Saving Money in 10 Simple Ways?

8 Charges in ULIP That You Must Know

Are Gains from ULIP Sale Taxable?

Do You Know the Difference Between Savings and Investment?

Does Rupee Cost Averaging Work In Unit-Linked Insurance Plans?

Why Should I Invest in ULIP?

6 Important Tips to Maximize Your Gains with ULIP Investments

वित्तीय संपत्तियां और उनके प्रकार

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

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

A Step-by-Step Guide: How To Make An Investment Plan?

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

What is ULIP Plan, and How Does it Work?

What are the Advantages and Disadvantages of ULIP?

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

What is the Time Value of Money (TVM)?

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

Learn About Safe Investments with High Returns in India

Short Term and Long Term ULIP Plans for Wealth Creation

Top 10 Investment Plans Available in India

Top 5 Principles That Need to be Followed for Wealth Creation

Top 5 Investment Options in 2022 for Healthy Returns

Everything You Must Know About ULIP Riders

Best Guaranteed Returns Investment Options to Meet your Financial Goals

Difference Between Guaranteed Savings Plan and ULIP

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

What is a Credit Score and How Can Insurance Help You Improve it?

ULIP Benefits You Can Avail from Early Investing

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

उच्च रिटर्न प्राप्त करने के लिए सर्वश्रेष्ठ इन्वेस्टमेंट विकल्प

Difference Between ULIP and Endowment Plan?

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

उच्च रिटर्न प्राप्त करने के लिए सर्वश्रेष्ठ इन्वेस्टमेंट विकल्प

What is ULIP and Its Benefits?

Unit-Linked Life Insurance (ULIPs) vs. Term Insurance

How to Make Your Financial Portfolio?

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

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

Factors Affecting Stock Markets

ULIP Investment Strategy: Top Tips to Improve Your ULIP Gains

What is Compound Interest, And How Do I Calculate it?

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

Investment Options for NRIs in India

Corporate Bonds: Meaning, Types & Benefits

यूलिप के फायदे (Benefits of ULIP in Hindi)

ULIPs: Suitable for all

What are Financial Assets & their types?

Early Investing and the Power of Compounding

Best Investment Options to Cover Your Child's Education

Are Investment Returns Guaranteed in a ULIP?

Endowment Plan vs Fixed Deposit?

How to Increase Net Worth Along with Family Protection

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

Are Money Back Policies Helpful? A Complete Guide

Investments Options to Buy a house in India

ULIP NAV Meaning & How is the Return Calculated in ULIP

Which are the Best ULIP Plans in India for Children?

Top 10 Investment Strategies to Create Wealth

How to Plan Savings from Salary?

Four Financial Lessons from The Vedas on Living Life to The Fullest

What is ULIP Renewal?

Building wealth through regular investing

Importance of Portfolio Management

Learn About Safe Investments with High Returns in India

ULIP Plan as a Gift

What are Index Funds and How Do They Work

What is NAV in ULIP, and How is it calculated?

Benefits of ULIP as a Child Insurance Plan

How Do One-Time Investment Plans Work?

What is Direct Investment and its Types?

Got a Salary Hike? Here’s How to Plan your investment further

How Can ELSS Funds Help You Save Tax & Create Wealth?

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

What are Some of the Safest Investment Options in India?

8 Important Tips to Maximize Gains with ULIP Investments

Rate of Interest on Different Investment Plans in India

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

Receiving regular payouts at various stages of life

Why Should You Invest in Term Insurance And ULIP?

4 Benefits of ULIP Fund-Switching Feature