Last Updated on April 1, 2024 by Jawad Ali

The term investment can be defined as an investment that creates an asset to allow the money to grow. When defining an investment, it is crucial to understand it to make the right investment decisions to meet your financial objectives. There is a concern for people of all income groups when choosing the best high return investments option to manage their wealth. 

There is no doubt that saving money is one of the most important components of securing your financial future, but it does not make sense to rely solely on savings. Instead, you can make sure that your money grows throughout your lifetime by investing in one of the top high return investment options in India.

Listed below are the 12 Best High Return Investments Options Suitable for Any Age in India

Bank Fixed Deposits

For most Indian households, fixed deposits in banks have proven to be one of the most popular and most comfortable investment vehicles for their savings. The best way to get a stable income stream for investors is to invest in Fixed Deposit schemes with the highest Fixed Deposit interest rates and get the best income possible every month.

Exchange-traded funds

Mutual funds pool investor money to buy a collection of securities; exchange-traded funds, or ETFs, are similar to mutual funds in that they pool investor money to provide a single diversified investment for investors. In terms of how ETFs are sold, they are just like stocks in that investors buy shares of the fund just as they do when buying individual stocks in the market.

Dividend stocks

Investing in dividend stocks can provide both the fixed income from bonds and the growth from individual stocks and mutual funds. Companies are required by law to pay dividends to their shareholders regularly; therefore, dividends are often associated with profitable and stable companies. 


Investing in a Unit Linked Insurance Plan is possible if you want to get market-linked returns and insurance peace of mind. A life insurance policy is one of the best ways of investing in different funds simultaneously, offering you the option of getting life insurance. There is no doubt that ULIP is one of the best high return investments plans in India today. 

Balanced Funds

Nearly 65% of the portfolio is devoted to equity asset classes, while the remainder is dedicated to debt asset classes. Even though these funds have higher returns, they are considered moderate risk. Dividends may be paid monthly or quarterly, but debt funds don’t provide monthly income. 


Direct Equity Investment refers to purchasing individual equity stocks of publicly traded or unlisted companies. Direct stock investments can result in capital gains or dividends. However, various factors determine the performance of stocks, such as the performance of the company, the market position, etc.

Equity Mutual Funds

There are several types of mutual funds, but the type known as Equity Mutual Funds is where money is mainly invested in equity stocks. Generally, an equity mutual fund can invest between 70 and 95% of its assets in equity stocks and other instruments related to equity stocks. 

Public Provident Fund

It is essential to note that Public Provident Funds is one of the best high return investments options and are government-backed schemes that offer guaranteed returns based on the applicable interest rates. The interest rate for the PPF is set by the government and may change every quarter according to the government’s decision. 

Real Estate Investment

Investing in real estate is also one of the high return investments option available today. Real estate consists of purchasing properties such as buildings and land to profit. Investing in this type of investment is one of the most effective ways of combating inflation in the long run. 

RBI Bonds

The RBI Bond is one of the safest and the best high return investments options available today. To raise money for the development of various government projects, the Reserve Bank of India, referred to as RBI, issues bonds to the public for sale. There is a specific term associated with these bonds. 


There is a common belief in India that gold is the best investment to preserve a family’s legacy. However, these services have become less attractive due to rising costs and higher charges. As a result, there has been an increase in the popularity of Gold ETFs in recent years. This type of gold is commonly referred to as ‘paper gold.’ Stocks and investments in gold are included in gold ETFs. 

National Pension System 

National Pension System is a relatively new way to invest as a new tax-saving investment option. It is mandatory for investors who subscribe to the NPS scheme to stay locked in until the end of their retirement age, and they can earn higher returns than those who subscribe to the PPF or EPF scheme. The NPS also offers options for investment in equities and other plans.