Money Investment in India

Hi I would like to know the various opportunities in India where money can be invested with good returns as I like to invest for better & safe returns?

[Shaleen]

The normal Indian is dependably vigilant for Best Investment Options and Plans to stop his cash. He needs to spare his well deserved cash. The keen Indian likewise needs his cash to work for him.

While Indians have been customarily preservationist in their choices which is insightful here and there, they are likewise starting to open up. As the monetary business sector develops, the speculation alternatives and arrangements are accessible in bounty.

1) Public Provident Fund – PPF
Open Provident Fund offers right around 99% security being worked by the legislature. You as of now would know the advantages of PPF such as
Least speculation of Rs.500 and most extreme venture of Rs.1,00,000(if you're considering charge reasoning under 80C)
Impose free hobby and development sum
One of best enthusiasm among settled pay items – 8.7% p.a in 2014
Free from banks, credit sharks and court connections

2) National Savings Certificate (NSC)

NSC is a prominent decision among provincial Indians. The base venture is Rs.100 and one has choice to pick 5 or 10 year period. The present hobby is 8.5% for a long time and 8.8% for a long time.

3) Senior Citizen Savings Scheme (SCSS)

Most likely the best venture choice arrangement in case you're above 60 years. The rate of enthusiasm for Senior Citizen Savings Scheme is about 9.2% at this point.

Stars:
High financing cost
Charge sparing under 80C
Given liquidity as hobby is paid quarterly

Cons:
15 lakh greatest venture limit
Hobby is assessable
Charge sparing restricted to Rs 1 lakh
Some bank FDs offer higher returns for Senior Citizens

4) Money Market Funds

Currency Market Funds are perfect as fleeting speculations choices. These likewise called Liquid assets. venture choices in India

The profits range from 5.5 to 9% in view of the period and danger classification. Fluid assets are genuinely sheltered speculations as they put resources into settled salary securities of governments and corporates.

5) Bank Fixed Deposits (FDs)

A Term Deposit or bank settled store as it's regularly called is a decent decision if your speculation period is 6-24 months.

Pro:
Simple accessibility and simplicity of operation/withdrawal
Great loan cost
Wellbeing of capital

Cons:
Typically early withdrawal has a punishment
Lesser interest contrasted with Corporate Deposits