Where to Invest Money in India for Better Returns

Abhishek Kumar
3 min readJan 11, 2020

While the Indians are rich with the amount of money they have, they are extremely poor in terms of their investment knowledge. In fact, most of the Indians do not know any other way to invest money than keeping it as a fixed deposit or using recurring accounts.

Do you too wish to invest your money at better places and get more returns on your investments? Here are some of the ways to do so:

Stock Market

Investments made in the stock market give high rate of returns. The annual rate of return that the stock market has given in the last decade has been 15 percent per annum.

It is, however, vital to know essential and methodical aspects of the stock market before investments so as to reduce the risk of losing money.

Mutual Funds (MFs)

There are numerous mutual funds available in the market like ELSS (Equity Linked Savings Scheme), Balanced or Hybrid Mutual Funds, debt-oriented, equity-oriented etc.

Though, mutual funds come with danger as the fund managers invest pooled money in different companies or sectors. But the rate of return in MFs is higher compared to other investment instruments. The rate of return for mutual funds usually depends on the period of the fund.

National Savings Certificates

NSCs are issued by Indian Postal Department. It is one of the harmless options for investment if you don’t have large outlay appetite. These certificates have a static tenure of 5 or 10 years, along with a fixed rate of interest. For NSCs with a 5-year tenure, the rate of interest offered is 8 per cent per annum.

Corporate Deposits/Non-Convertible Debentures (NCD)

Corporate deposits are also a choice that can double your cash. Non-banking financial companies (NBFCs) and Corporates offer higher interest rates for non-convertible debentures and corporate deposits, as against fixed deposits of banks. The rate of return for these credits is kept around 8 to 11%, based on ICRA ratings and tenure of the deposit.

Kisan Vikas Patra (KVP)

Kisan Vikas Patra (KVP) was restructured in 2015–16 and according to new regulations, PAN card is mandatory for making an investment into the Kisan Vikas Patra scheme worth Rs 50,000 paid in cash.

The rate of interest applicable to Kisan Vikas Patra (KVP) may change periodically based on announcements made by the Finance Ministry.

These are some of the best ways to invest your money and get better returns in India. And if you are already using these, or any other better money, do send me your suggestions in the comment section.



Abhishek Kumar

A Passionate Writer with love for Technology. I love discovering new gadgets and writing about smartphones. However, do not let technology take away your sleep.