Usually, many people like to keep cash in their savings account. Keeping cash in the bank becomes their priority. In this, they do not care about how much interest they will get if they deposit cash in a savings account. At present, some banks are paying interest from 5% to 6% in the savings account. A lot of people do not know about the second option, rather than depositing money in the bank, said investing would be worthwhile. Where they get more rain and their money will soon be doubled. So in today’s article, I will tell you some 10 best investment options that will make your money double.

10 Best Investment Options in India

1. Public Provident Fund

The first investment options are the Public Provident Fund. A public provident fund is considered to be the best and the strong long-term investment in India, which is also full tax-free. It is fully passed through the Central Government of India. Public Provident Fund can be opened by any bank or post office. Within this, we can deposit Rs.500 to 1,50,000 every year. Its lock-in period is for 15 years which we can go further and increase for 5 years i.e., for 20 years. The interest rate you get in this will be 8 to 9 per cent.

Its first benefit is that there is tax exemption of EEE in it. In the public provident fund, we get EEE, so that our investment amount, the rate of interest, and whatever income is available in the budget. Tax exemption is considered the best tax saving instrument.

The second benefit is that you also get a loan facility which is between 3 to 6 years. The investor can also take the investment payload of this investment.

2 Mutual Fund Investment

The mutual fund runs by an asset management company, which we can call fund houses or fund manager too. This asset management company collects the money from mutual fund investors and invests them in bonds, debentures such as stock market or debt market. Now, whatever the asset management company earns from that investment, they divide that money between mutual fund investors. For all these services, asset management company charge the commission from the investors of mutual fund.

Asset Management Company works like an intermediate. As if you don’t have any information about stocks and bonds or you don’t have the time, then this type of people who invest in mutual fund invest in this type of money is invited. So in this, Asset Management Company invests on those shares and bonds on the behalf of mutual fund investors. For those who want to enter equity or debt market, this can be the investment option.

Also see: 9 Most Common Mutual Funds Mistakes Which Every Investor Do

3. Direct Equity or Share Purchase

Do you know how the stock is analyzed before buying it? If you know or you can well analyze it, then investing in direct stock can be a good option for the long-term view. However, investing in direct stock is risky, but when you invest for a long time, such that if you invest in stocks for over 15 years then you can earn more return.

There are two ways to invest in equity. The first is through the primary market and second is the secondary market.

  • When a company issues the shares for the first time, then we can call it Initial Public Offerings (IPO).
  • In the secondary market, we pay the shares of those companies which are already listed on the stock exchange.

In this, I am talking about shares investment, not on stock trading. Therefore, with the point of view of an investment, we should not buy or sell more shares in the stock in a short period of time. Because in every purchase and selling we have to give a commission to the broker, which can reduce your profit.

4. Real Estate Investment

Real Estate investment is another great investment options in India. In real estate, you know that we have to buy a property or land and after some time we sells it at a higher price. Whatever profit we gain from it, it is called Capital Gain.

Real Estate Industries is on Rapid Growth in India. It has huge prospects on all major sectors such as housing, commercial, manufacturing, hospitality, retail etc. Buying a flat or plot as an individual investor can be the best option for our investment portfolio.

Real estate is also called Money Making in India because in it we guaranteed to get a 30% to 100% returns. But in order to earn such a high profit, investors should do proper research before buying any property. You should buy properties in the place where the price would go high in the next 5 years.

5. Investing in Gold

Gold is an Evergreen investment product, as it keeps us liquefied. You can invest in gold in any format. Such as

  • Gold Deposit Scheme
  • Gold ETF
  • Gold Bar
  • Gold Mutual Fund etc.

Gold Deposit Scheme was Announce in 2015 Budget In this, investors can deposit or invoice instead of at least 200gm gold bonds. In this Gold Bond, the investor gets an interest rate of 3% to 5%, which is tax-free. Its lock-in period is 3 to 7 years. Meaning the investor does not get the gold back within these years.

Gold Bonds do not seem to have any kind of Capital Gain Tax or Wealth Tariff. Investors can get his investment in form of cash or gold after completion of the lock-in period.

6. Post Office Saving Scheme

In this investment, it is considered the best long-term investment options for government employees, salaried and business people. Because it is a government saving scheme so that there is very low risk inside it. In this, you will also get the medium rate of interest. There are some popular post office savings schemes such as

  • National Savings Scheme
  • Recurring Deposits
  • Senior Citizen Savings Scheme
  • Sukanya Samrudhi Yojana etc.

If you don’t want to take the risk then National Saving Scheme will be the best for you. The National Savings Scheme is a risk-free investment. If you want to invest for 10 years or more, then the National Saving Scheme would provide you decent returns.

7. Company Fixed Deposits

Fixed deposits of the company are preferred over the bank fixed deposits. Because the fixed deposits of the company provide you more interest. Companies use corporate fixed deposits to borrow money from small investors.

The investment period of this type of fixed deposits to the investor should be carefully selected. Because the investor can not withdraw his money before the maturity date. These companies Fixed Deposits are not covered under any insurance benefit and these instruments are don’t control by the Reserve Bank of India.

There is a little more risk in comparison to the bank’s fixed deposits. Therefore, there is more interest rate in this investment options.

8. Investing in IPOs

IPOs means the Initial Public Offering, in which a new and existing company issues its share of first time. This company issues shares to increase its capital so that the business or company can grow. IPOs (Initial Public Offering) can also be called Primary Market. When a company issues its shares for the first time, then they do it with the Directly by the primary market. Then the company gets listed in the stock exchange i.e. in the secondary market. After this, the public who bought their shares could go ahead and buy or sell them to everyone.

Initial public offers are slightly different from the average stock because many types of risks are linked to them. Because the investor does not have much information about that company.

9. Insurance Plans

Concepts of Insurance Plans come from “Common But Shared Risk”. All of you know that insurance is an agreement in which the company guarantees that they will provide a compulsion for any lodge, damage, illness, and death. In return, the insurance company charges the time-to-time premium, which is usually very less than the computation amount.

It has both advantages and disadvantages.

Advantages: Compensation case of loss of life or properties.

Disadvantages: Less liquidity, Long Lock-in Periods, Pressure of Continues Premium Payment and Less or Moderate Returns.

10. Invest in Bonds

In the bonds the company takes money on the loan and in exchange gives the investor interest on the fixed rate. If you do not want to invest in direct equity or mutual funds, investing in bonds can be good investment options.

There are several bonds in the market that provide good long-term rewards. Bands are also of different types. But mainly Bonds are of 4 types. for example

  1. Floating Rate Bonds
  2. Fixed Rate Bonds
  3. Inflation Index Bonds
  4. Option Bonds.


My name is Manoj Prasad and I am the founder of this website( I always love to learn new things through different sources and whenever I get time, I shared those new things with my friends, family and with you.

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