Last Updated on 1 month ago by Raj Kumar

13 safe investments with high returns in India

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 2021.

List of 13 safe investments with high returns in India 2021

Here the list of 13 safe investments with high returns in India 2021 –

Investment Type	Expected returns	Merits	Demerits	Tax exemption	Risk
Bank Fixed deposit	5-6%	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