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Best High Return Investment Plans in India | 2023

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August 10, 2023


What’s Inside

Investing is important for securing your future, meeting goals, and building wealth over time. High-return investment plans can help you beat inflation and stay ahead. To start investing in a high-return plan, you must first determine your investment goals. We use risk tolerance levels to classify plans, and here are your options:

Best Investment Plans for Low-Risk Investors

Fixed Deposits

Fixed deposits are a great one-time investment plan for risk-averse investors, offering high returns and guaranteed yields without market fluctuations. They are highly liquid, making them a perfect choice for investors who want both high yield and easy access to their money.


PPF is a secure government scheme with a 15-year lock-in period. You can invest Rs. 500-1.5 Lakhs annually and get high returns. You can also make partial withdrawals after five years.

Gold Bonds

Gold has been a safe-haven asset for decades. The government issues sovereign gold bonds against physical grams of gold. Investors can choose these bonds instead of holding physical gold and all the hassles of keeping it safe.

Best Investment Plans for Medium-Risk Investors

Debt Funds

Debt funds invest in fixed-income securities like government and corporate bonds, making them safer alternatives to equity funds. They typically bring you monthly income while being less risky than equity funds.

Dividend-Paying Stocks

Dividend-paying stocks are one of the best investment plans with high returns since they allow you to tap into the high yield of market-linked returns without losing the steady income security cover. Investing in ‘Blue Chip’ stocks brings you regular dividends as the company’s profits rise.


ETFs are baskets of securities traded on the stock market. They invest in various asset classes like stocks and bonds, and some ETFs track an index fund. This helps spread risks across multiple assets and can lead to high returns.

Best Investment Plans for High-Risk Investors

Direct Equities

Direct equity investment involves selecting companies after assessing financial and non-financial parameters like profitability, management, and corporate governance. It's a high-return investment plan in India, especially for experienced investors with a high risk tolerance and long-term strategy.

Equity Mutual Funds

Equity mutual funds invest in stocks, with at least 65% of assets in equity or equity-linked instruments as per SEBI’s guidelines. Fund managers select the stocks, and you can invest via SIPs or lump-sum contributions.


Equity-Linked Saving Schemes invest funds in volatile equity stocks to reap high returns. Moreover, ELSS was also a dual benefit scheme under the old tax regime, where you could enjoy high returns while saving up to Rs. 1.5 Lakhs u/s 80 (C).

How to Choose the Right Investment Plan?

To put your eggs in the right high-return investment basket, you need to keep the following cardinal rules in mind:

  • Assess your financial goals, time horizon, and risk appetite.
  • Invest in plans/asset classes you understand.
  • Assess and rehash your portfolio frequently.
  • Check the updated taxation benefits.

Wrapping It Up

When it comes to investment, there’s no one-size-fits-all option. As mentioned above, there are various investment plans with high returns in India, but you must assess your risk tolerance and investment window before picking one.

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Frequently Asked Questions

1. What is the best investment option in India for high returns in 2023?

Fixed deposits, PPF, small and mid-cap mutual funds, debt and balanced funds, direct equity investment, and equity mutual funds are some of the best investment options in India.

2. Can you compare investment plans by risk and potential returns?

Investment plans like FDs and PPFs are risk-free plans with low-to-moderate returns. Debt funds and ETFs have a moderate risk quotient and can offer high returns in the long run. Equity stocks come with a high risk but offer equally high returns.

3. What factors should investors consider when choosing investments?

Before investing, investors should substitute market research by considering factors like risk appetite, time horizon, and financial objective.

4. Are there beginner-friendly investment plans in India?

Government schemes like PPF and NPS, bank and corporate deposits, ULIPs, and debt and index funds are some of the best investment options for beginners in India.

5. How to diversify investments for maximum returns and minimum risk?

Allocating capital to a healthy mix of high and low-risk assets can help investors hedge risks and diversify their investment portfolio. Similarly, diversifying by investing in different geographical markets can also help weather the risks of market downturns in specific economies.


Investment and securities are subject to market risks. Please read all the related documents carefully before investing. The contents of this article are for informational purposes only, and not to be taken as a recommendation to buy or sell securities, mutual funds, or any other financial products.
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