Types of Investment Plans in India | Investment Options in India

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India has been an attractive investment destination because of its sound Economy. Another factor is the performance of the Mutual Fund industry and Indian Stock Markets. There are various investment opportunities available for Indian residents as well as NRIs seeking to invest in the Indian Capital Market. The invention of the internet and information technology, globalization and international cooperation with free trade practices, high-level education & training facilities, and currency management has changed the scenario of Wealth Management.


It is a high-level professional service that combines investment and financial advice and is designed to utilize, grow, protect, and disseminate one’s wealth. Following are the key investment areas of Wealth Management in the Indian Capital Market as well as the Indian Money Market.

Types of Investment Plans in India include the following:

  • Direct Equity - It is probably the most potent investment vehicle to buy partial ownership of a company. Stocks are ideal for long-term investments and you directly invest in a company’s growth and development by opting for Direct Equity.
  • Mutual Funds -  They have recently been popularized and are gaining a positive outlook amongst millennials. It pools investment from various individual investors and institutional investors having a common investment goal. The pooled sum is managed by a finance professional called The fund manager invests the pooled sum in securities and assets to generate maximum returns for investors. Mutual funds are mainly classified into equity, debt, and hybrid funds.
  • Fixed Deposits - These are the best investment options offered by financial institutions and banks where you deposit a fixed sum for a fixed period and get a fixed rate of interest. Fixed deposits provide guaranteed returns as well as complete capital protection. The Banks decide the interests offered on fixed deposits following the economic conditions and RBI’s policy review decisions.
  • Recurring Deposits - An RD (Recurring Deposit) is another predetermined investment plan that allows you to invest a fixed amount every month. The interest rates may vary from one financial institution to another. An RD allows investors to invest a small amount every month and also offers complete capital protection as well as guaranteed returns.
  • Public Provident Fund -  A PPF (Public Provident Fund) is a 15 years long-term tax-saving investment plan offered by the Government of India. The interest rates in the PPF scheme are revised quarterly by the Government of India and it also allows partial withdrawals subject to certain conditions.
  • Employee Provident Fund - An EPF (Employee Provident Fund) is another retirement-oriented investment plan designed for salaried individuals. Under this investment plan, you get a tax break under the provisions of Section 80C of the Income Tax Act, 1961. A percentage of an employee’s monthly salary is deducted to make a contribution to the EPF account and the same amount is matched by the employer as well. 
  • National Pension System - It is a relatively new tax-saving investment plan in which investors stay locked in until their retirement and get opportunities to earn higher returns than EPF or PPF. As per the estimates, some government employees must subscribe to NPS.

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