Short Term Investment Plans In India – You are spoiled for choice when it comes to investment options in India. Fixed income vehicles, market linked avenues, long term plans, short term plans, alternative investment avenues – just name it and you will find it. Therefore, it becomes important to know all the options based on your risk profile, which will ensure a well-diversified portfolio, less risk and more return.
A combination of these three factors will help you choose the right investment options. Investment goals are your financial goals for which you accumulate corpus. Risk tolerance refers to your ability to take financial risks. This determines whether or not to choose investment avenues depending on the market. Finally, the investment horizon refers to the period over which the investment is made. It can be divided into three main segments:
Short Term Investment Plans In India
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If you are looking to invest in the short term, there are many options to consider. Let’s take a look at the best short term investment options in India.
Short-term investments are useful when trying to build a corpus for an approaching goal in the near future. For recent graduates, this could mean fundraising for your graduate school. Or something like building a fund to jumpstart your travel plans and tick a few things off your bucket list. The reason for this can be anything, and short-term investments can help you get the money you need in a few years if you invest properly.
A bank savings account allows you to save excess funds and use them when needed. There is no lock-in period and you can earn fixed interest on your account balance. However, the interest rates offered are relatively low compared to other investment options.
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In fixed deposit schemes, a lump sum is invested for a fixed period. The interest rate is fixed and depends on the amount deposited, investment period and your age. Generally, senior citizens enjoy higher interest rates on FDs.
Recurring deposits are where you deposit a fixed amount of money at different intervals for a certain period of time. Select the deposit amount, deposit frequency and duration. You will receive a fixed rate of return on the amount you deposit.
Money market instruments include treasury bills, commercial paper, certificates of deposit, etc. These are short-term ways to save up to a year.
Short Term Investment: The Best Options In India
Debt mutual funds are those that invest most of their portfolio in debt securities such as corporate bonds and government bonds. They exhibit relatively low volatility and provide income. If you are a risk-averse investor, this is a good option for you.
If you are an aggressive investor, stock trading can help you earn attractive returns in a short period of time. However, this carries a very high risk because the market is unpredictable. Provided you have the right risk profile and are aware of the nuances of stock market investing, you can explore stocks as an option. Note that stocks are generally long-term investments and are not recommended for short-term wealth accumulation as the risk of losing capital invested in the segment is very high. Having said that, you can buy and sell shares in stock market through Demat and trading account depending on your savings account.
Experts at Teji Mandi help you get investments based on your risk appetite and financial goals. Moreover, you can download Teji Mandi app to get the latest stock market news and be aware of all the price fluctuations.
Best Short Term Investment Options In India
Equity Linked Savings Schemes (ELSS) are equity oriented mutual funds that offer equity risk. Own a stock portfolio professionally managed by experts. In this case, at least 65% of the portfolio consists of investments in stocks or stock-related securities, which provides the opportunity to make significant profits in a short period of time.
There are pros and cons to investing in the stock market. For more information on this, read our blog Stock Investments: Benefits, Considerations and Tips to Know.
These are some of the most popular short-term investment options available in the Indian financial market. Whether you’re looking to save for a car purchase, a down payment on a home, or even an upcoming vacation, you can choose one or more of these options. Assess your risk profile and then make an informed choice. Also, create a diversified portfolio for better returns.
Complete Guide On Best Investment Options In India
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TM Investment Technologies Private Limited Registration Type: Non-Individual. RA registration number: INH000009445, Validity period: 5 years. (01 May 2027), RIA registration number: INA000015303, Validity period: 5 years. (October 21, 2025) Address: Motilal Oswal Tower, Rahimtullah Sayani Road, Opp. Parel ST Depot, Prabhadevi, Mumbai – 400 025, General Officer Contact Details Name: Raj Vyas Email: [email protected] Compliance Officer Contact Details Name: Pooja Chavan Email: [email protected] | Phone: 7977802419 Complaints Officer Contact Details: Name: Mehmood Ali | Email: [email protected] | Phone: 8976556305 | SEBI Regional/Local Address SEBI Bhavan BKC, Plot No.C4-A, Block ‘G’, Bandra-Kurla Complex, Bandra (East), Mumbai – 400051, Maharashtra, Email: [email protected]Introduction Investment is a good opportunity for your money to see if it grows over a period of time. For that you have to choose one of the best investment plans in India from among the many available plans to choose from. Many layers can confuse you. Therefore, before deciding to buy a plan, it is better to explore the Internet, do proper research and consult with experts. Investors in India generally look for risk-free investment plans when it comes to choosing a suitable plan. Capital protection and good returns are the main requirements of every investor. It is better to look for an option with zero or minimal risks. These plans are best suited for people who are concerned about the safety of their hard earned money. Here we also talk about risk-free investments. The options detailed below are suitable for retirees and risk-averse individuals. There are many advantages to putting your money in instruments or options that are not affected by market fluctuations. A list of safe investment options with decent returns
Read More About Risk Free Investments in India 1. Fixed Deposits (FDs) A good percentage of Indians have invested their money in fixed deposits of banks and NBFCs, which generate low returns. You can choose to open an FD with a private or nationalized bank or non-banking financial company (NBFC). The market condition in India is much better than the financial markets of many countries. Investors can get relatively good returns on their investments. Bank Fixed Deposit: Fast Facts
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Fixed deposits in the country have become one of the most preferred instruments of the common people. People prefer to invest their surplus money in a short-term risk-free investment plan in India for several reasons. The most important feature is liquidity. FD holder can easily withdraw money in case of emergency. Therefore, it is chosen as the right option for an emergency fund. Financial institutions that facilitate FDs provide a guarantee of income accumulated over the maturity period along with the principal amount. Interest rates and returns are predictable. This is considered a risk-free investment option, but keep in mind that capital protection is limited to 5 lakhs through insurance. Earlier the capital protection limit was one lakh. You can choose to opt for fixed deposit for a period of one month to ten years or longer. The rate of interest payable varies depending on the tenure, amount, type of bank and type of term deposit. The interest rates offered by the bank currently range from 3.50% to 9.25% on FDs for senior citizens, depending on the amount deposited and tenure chosen. In case of fixed bank deposit, the minimum investment amount is Rs.5000. Interest calculated under the Income-tax Act, 1961