What is the Safe Investment in India For 10-15% Returns Per Month?

What is the Safe Investment in India For 10-15% Returns Per Month

If you want to earn a good return on your savings, then it is important to know what the safe investments in india are. This will help you decide where to park your money.

Savings accounts yield low interest, but they are very secure. Other investment options can be risky and may not give high returns.

Equity Mutual Funds

Investing in equity mutual funds can help you achieve your long-term financial goals. They offer higher returns than savings bank accounts and fixed deposits but come with a certain level of risk. However, if you are able to manage the risk, they can offer great gains in the long run.

Medium-term goals like saving for a wedding or downpayment on a home are best fulfilled by investments that can beat inflation and are not too volatile. Investment options that fit this criteria are recurring deposits (RDs) and G-Sec bonds.

Equity-linked savings schemes (ELSS) are tax-efficient equity mutual fund investments. They invest at least 80 per cent of their assets in equity shares of companies and qualify for deductions under Section 80C of the Income Tax Act up to a maximum limit of Rs 1.5 lakh.

Real Estate

Real estate is a popular investment option in India because of its long-term value appreciation and stable returns. It is also an excellent choice for first-time buyers looking to save on interest payments. But which cities should you invest in?

Choosing the right property for you requires careful consideration. You should consider the location, the price of the property, and your risk appetite. Choosing the best property for you will ensure that you get the most return on your investment. While there are many places to invest in, here are a few of the top cities that offer the highest return on property. The FD rate of return depends on the bank or NBFC and the tenor of the investment, with higher tenors offering higher rates of return.


Gold is a precious metal that is considered a safe investment and typically beats inflation. It can be purchased as jewellery, coins, bars, or exchange-traded funds. However, each of these options has its own unique advantages and drawbacks.

If you’re looking for an investment that offers high returns, consider the Gold Mutual Funds. These are market-linked investments that manage your money in a disciplined way. They can also beat the return on FDs and inflation by a fair margin.

Another option is the National Savings Certificate, a post-office savings scheme that works like 5-year FDs and pays 7% annual interest. Alternatively, you can buy Sovereign Gold Bonds, which are digital and Demat gold investments that are guaranteed by the government. These are more affordable and offer better liquidity than physical gold.


NSC is a fixed income investment option offered by the government of India. You can purchase NSCs in your own name, for a minor, or in joint accounts with another adult. NSCs come with a fixed maturity period of five years. Investments up to Rs 1.5 lakh a year qualify for tax benefits under Section 80C.

NSCs offer a higher interest rate than bank FDs. Moreover, you can invest in NSCs on a monthly or quarterly basis. You can also nominate a beneficiary to receive the maturity amount in case of your death. You can purchase NSCs online, via e-mode or passbook mode. Previously, banks and post offices used to pre-print NSC certificates but this was discontinued in 2016. You can now buy NSCs only through e-mode or a passbook mode.

Treasury Securities

Treasury bills, notes and bonds are a great investment for individuals who want to diversify their portfolios. They come with a variety of maturities and pay interest semiannually. They are also exempt from state and local taxes, making them an excellent choice for investors in high-tax states.

Treasury Inflation-Protected Securities (TIPS) are securities that protect the principal investment amount against inflation. They pay interest semiannually at a fixed rate on the adjusted principal, and at maturity, you receive the original principal plus any accumulated interest payments.

National Savings Certificate or NSC is a 5-year deposit scheme that pays 7% annual interest. Eligibility: Any Indian citizen above 18 with requisite documentation can open an account. This scheme is backed by the Government and has low risk.