Last Updated on 4 months ago by Raj Kumar
13 safe investments with high returns in India 2022
Most of the Indian middle class family and retired individuals are conservative in their investment approach. People prefer to have a moderate return but do not wish to take a lot of risk to get the returns. There is an astonishing amount money saved as fixed deposit in Indian banks earning meagre returns for the investors.
People often miss to realise that there are other good avenues to invest your money with not much risk on the capital invested but has decent returns which are higher than fixed deposits most of the time.
In this article let’s look at 13 safe investments with high returns in India 2022.

Page Contents
List of 13 safe investments with high returns in India 2022
Here the list of 13 safe investments with high returns in India 2022 –
Investment Type | Expected returns | Merits | Demerits | Tax exemption | Risk |
Bank Fixed deposit | 4-6% | Easy to invest | Low interest rates | No | Low risk |
Public provident fund / PPF | 7.10% | Good interest rate | 15 years lock in | Yes | No risk |
Employee provident fund / EPF | 8.50% | Best interest rate | Only available for salaried employees | Yes | No risk |
RBI Floating Rate Savings Bonds | 7.15% | Good interest rate | Lock in for 7 years | No | No risk |
Senior Citizens Savings Scheme | 7.40% | Good interest rate | Only available for senior citizen | Yes | No risk |
Pradhan Mantri Vaya Vandana Yojana | 7.40% | Good interest rate, payable monthly | Only available for senior citizen | No | Low risk |
Post office schemes | 5.5%-6.7% | Good interest rate | Lock in period | No | No risk |
Corporate Fixed Deposits and NCDs | 6-9% | Best interest rate | Very risky | No | High risk |
Tax-free bonds | 5-6% | Interest earned is tax free | Low interest rates | No | No risk |
Debt Mutual Funds | 6-9% | Best interest rate | Risky in some cases | No | Medium risk |
Kisan Vikas Patra | 6.9% | Good interest rate | Lock in for 124 months | No | No risk |
National savings certificate | 6.8% | Good interest rate | Lock in for 5 years | Yes | No risk |
Sukanya Samriddhi Yojana | 7.6% | Best interest rate | Lock in period only available for girl child | Yes | No risk |
Consider reading – Top 10 best investment options in India
As you can see from above there are numerous safe investment options available which gives excellent returns for the conservative investors.
Things to note – Although the investment options provide better interest rates than FD , you should be aware of the lock in period when you invest in these investment options. There is no point locking your money for a longer duration only to get marginally better returns.
If you haven’t considered debt mutual funds then you should have a look at investing debt mutual funds to diversify your investments. Debt mutual funds offer excellent returns if you understand the risks properly. There are various types of debt mutual funds available in the market. Consider reading – Are debt funds safe? which debt funds to invest?
FAQ on safe investments with high returns in India
Here are some FAQs on safe investments in India
What is the safest investment with the highest return?
Considering all the options available, PPF / EPF / VPF is an excellent choice for safe investment with high returns in India.
Which investment options give high returns with tax benefits?
PPF , EPF , VPF , Senior Citizens Savings Scheme , National savings certificate , Sukanya Samriddhi Yojna gives excellent returns with 80C tax benefits.
Are debt mutual funds safe to invest?
There is an increase in fear after Franklin templeton AMC had issues with their debt mutual funds in 2020. Retail investors started fearing to lose money in debt mutual funds.
In actual fact, there are many types of debt mutual funds available in the market and not every debt mutual fund is same. You should be evaluating debt mutual fund and risks to see if it suits your investment needs.
Are liquid funds better than FD?
In most of the cased liquid funds are better than FD as they offer slightly better returns than FD and they are very easy to purchase and sell. You don’t need to lock your money for a duration to get returns on your liquid fund returns as compared to FD.
Is debt mutual fund risk free?
No. Debt mutual funds are not risk free. There are some types of debt mutual funds which invest in risky debt instruments and they carry risk of losing the invested capital.
Which is the safest debt fund?
Liquid fund and overnight funds are considered as safest debt mutual funds as they invest in instruments which mature in immediate future thus provide security on investment.
Is investing in stocks safe?
Stock investments are considered as risky as the returns on investments depends on market conditions. There is no guarantee that you will have any returns from your stock Investments.
what is the difference between EPF and PPF?
EPF is Employee provident fund which only available for salaried employees where PPF is public provident fund which is available for everyone.
EPF has a higher interest rate as compare with PPF as of Jan 2022.
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