Safest investment options

I want to invest my money. So I want to get information about the Best Safe Investments in India. So here can you provide me information about it?

[Shaleen]

As per your demand here I am providing you information about the Best Safe Investments in India.


Best Safe Investments in India;

Bank Fixed Deposit
Tenure – 7 Days to 10 Years
Expected Return – 8-9%
Tax Applicability – Taxable at investor slab


Recurring Deposit
Tenure – 6 Months to 10 Years
Expected Return – 8-9%
Tax Applicability – No TDS by Bank but interest is taxable at investor slab



Tax Saving Fixed Deposit
Tenure – 5 Years
Expected Return – 8-9%
Tax Applicability – Amount for Investment is deducted from your taxable income up to 1 Lac (80 C). Tax is applicable on interest income.


PPF (Public provident Fund)
Tenure – 15 Years
Expected Return – 8.8%
Tax Applicability – Amount for Investment is deducted from your taxable income up to 1 Lac (80 C). Return in tax-free.



MIS (Monthly Income Scheme)
Tenure – 5 Years
Expected Return – 8.4%
Tax Applicability – Interest income is taxable


SCSS (Senior citizen saving scheme)
Tenure – 5 Years
Expected Return – 9.3%
Tax Applicability – Interest income is taxable, Investment amount is eligible for 80 C deduction.


NSC (National Saving Certificate)
Tenure – 10 Years
Expected Return – 8.5-8.8%
Tax Applicability – Interest income is taxable, Investment amount is eligible for 80 C deduction.


FMP (Fixed Maturity Plan)
Tenure – 1 Year or more
Expected Return – Depends but yet comparable to fixed deposit
Tax Applicability – Interest income is tax efficient


Debt Mutual Funds
Tenure – Variable
Expected Return – Not fixed
Tax Applicability – Tax on capital gain and dividend


Saving Bank
Tenure – No maturity
Expected Return – 4 -7%
Tax Applicability – No tax applicable up to 10,000 Rs/ interest