Top 5 Short Term Investment plans with high returns in India

Stuck at home because of the lockdown?
Are you worried about your financial future?
What if I told you there is a way you can earn more money during the lockdown?
Are you interested to hear it?

Yes, you can do it with some of the best short Term Investment plans with high returns in India!

Last week we completed more than 2 months of the lockdown in India. Many of us have been affected because of salary cuts, losing jobs, and less or zero income from the business. In such a time, if we do not plan for our financial future then it can lead to disaster.

You can also read: Unlocking the future – One Step at a Time

Short Term Investment plans with high returns in India
Best short Term Investment plans with high returns in India

That’s when it struck me! Why are you just parking your cash in your savings account? You can use a portion of it and use it in safe investment options in India. I know that you want to keep all the cash in your account so you can use it for home expenses, groceries, medicines, etc. While that is a good decision, I am sure that you can use a small portion and invest it. In a small period of time, these safe and smart investments will yield good returns for you.

So, to make it easy for all my readers, I came up with a list of best and safe short investments in India with high returns. You can check this list and understand where to invest money in India during the lockdown.

List of 5 Best Investments for short term investing in India:

1.Recurring Deposits:

If you are looking for the best options for investment in India,  a recurring deposit (RD) must surely be on that list. Here are the basic details:

RD Tenure – 6 months to 10 years.
Liquidity/Withdrawal – Any time after the first month. (charges applicable for closing RD)
Returns – Up to 8.4% (for 1 year)
Taxable – Yes

2.Post-Office Time Deposits:

For those who are looking for short term investment plans with the highest returns in India, then look no further as an investment in Post-Office Time Deposits can help you.

Tenure – 1 to 5 years
Liquidity – Any time after 6 months. (charges applicable for closing deposit)
Returns – 6.7%
Taxable – Yes

3. Mutual Funds

Also considered as one of the highest return investments in India, online mutual fund investment in India has seen a huge rise in the last few years thanks to SIP i.e. Systematic Investment Plan.

Tenure – Advisable to invest minimum 1 year to save on exit load charges (1%)
Liquidity – Any time. (Within 1 year, the exit load charge applicable)
Returns – Up to 13% (1 year)
Taxable – Yes

4. Bank Fixed Deposits

This is one of the oldest types of investment in India. It’s famous because it’s easy to use and one can earn high interest too.

Tenure – 7 days to 10 years
Liquidity – Any time.
Returns – 7.5 (regular) for 1 year
Taxable – Yes

5. Stock Market

Stock market investment in India is also famous and is one of the quickest ways to increase your wealth.

Tenure – No minimum requirement
Liquidity – Any time withdrawal
Returns – Depends on market fluctuations (Can be above 25-30%)
Taxable – Yes

6. Special Entry: Gold/Silver

Gold as an investment in India has been quite popular for decades. We Indians invest in Gold for marriage, investment, etc. Gold and silver are some of the first ideas for investment in India by NRI or locals.

Tenure – No minimum requirement
Liquidity – Any time withdrawal
Returns – Based on your buying and selling price
Taxable – Yes

When your goal is to invest for the short term and you wish to find the safest investment in India, there are many ways you can do that. But as all of us are in a panic due to COVID-19, we aren’t thinking of investments but to keep all cash in hand. Hence I created this list of best investment plans with the hope that all of you can take advantage of this situation and earn some money.

I hope that you all are safe at home and are practicing Social distancing. Let’s pray that this lockdown ends soon and we all can get back to our old lives.

Also, if you like this list, please do share it with all your friends/family/colleagues so they can get the knowledge too. Is there is anything else that should be best suited for short term growth? Please feel free to share it with us in the comment below.

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22 Comments Add yours

  1. Wow, now isn’t this such an amazing list. I too have written something similar. Mine is focussed more on mutual funds though. Thanks a ton for sharing this list. It will help people who want to invest.

    1. Afreen Ansari says:

      That’s really nice to know

  2. Raju Prasad says:

    Really nice and informative stuff. The list of these investment plans are good for anyone who wants to get returns of his money.

    1. Afreen Ansari says:

      Thanks, glad its helpful

  3. Raju Prasad says:

    Nicely explain about investment. It’s very informative. It’s good to know how to invest and where to invest amidst lockdown.

    1. Afreen Ansari says:

      I am happy to know

  4. MeenalSonal says:

    A very helpful post to help a lot of people out there. Thanks for sharing.

    1. Afreen Ansari says:

      I am glad

  5. Sanjay says:

    Safe and secure investment options are what everyone is looking forward to in these times of uncertain income.
    Your post has definitely listed out various good options.

    1. Afreen Ansari says:

      I am glad you liked it

  6. Raksha says:

    I think I have invested in a bit of everything listed here except Mutual funds and stock market, as I do not understand them very well. I do understand the concepts but haven’t got a hang of them practically. This year esp after these hard times, I realised how important it is to invest.

    1. Afreen Ansari says:

      Always invest where you’re sure, especially in today’s time

  7. Heena Dhedhi says:

    This is a great article for someone like me who wants to initiate a financial plan for myself.

    1. Afreen Ansari says:

      Great to know it’s helpful

  8. Amrita says:

    Well, investment plans are quite important for the future. I would also like to add Mutual funds as a good way of investments. Bank deposits used to be one of my preferred mode of short term investments. But with the banks offering such low rate of interest like 6%, they are no longer attractive for good returns.

    1. Afreen Ansari says:

      I agree but atleast they are safer.option as compared to mutual funds or other market related investments

  9. Surbhi says:

    This is perfect! I have been reading up and looking for investment options. This article came in at the right time.

  10. Mrinal Kiran says:

    My parents were talking about investments today itself… This is a really good post! I will share it with them!

  11. Rituka Bisht says:

    Thank you creating this article, this is something I was looking for saving and investing my money

  12. Rakesh mishra says:

    This is really fantastic and informative article and best help for investment suggestions..

  13. I must say these are such amazing list and this article is very useful for financial security. Loved the part.

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