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Which Scheme Gives the Highest Rate of Interest in India?

Investing is en route to better financial standing in the future; if this is not true, then what could be. Do you not agree that investing your money and having it work for you is greater than just storing it in a locker. Though investing turns out to be this rewarding to the investor, it is also crucial that he or she is sure of where they are going to invest – which means it involves a high amount of thinking and researching to do. This article talks about the investment schemes that are the most rewarding, and we will tell you how.

Everyone wants their 1 rupee to turn to 10. But, not all of us have it all figured out. But, choosing to invest in high-return schemes can make that happen.

High Return Schemes in India

There are various schemes that you can choose from when the only criteria are high returns. Unfortunately, that is not how it works all the time. You will also have to check the time period that you can invest the money, what kind of risks you are willing to take, and much more. 

But, when it comes to the highest returns, here are some schemes you can look for on the research voyage for an investment:

1. Mutual Funds

This is an approach that is number one on the list; you will have to know that mutual funds are a great way to get started with investments that have a high rate of interest. Mutual funds are first on the list for the reason that they have high returns and they are also flexible. They could be long, medium, or short-term investments. The different types of mutual funds can also be of high risk, low risk, or somewhere in between. As the investor, you would be able to choose from a wide range of variety and schemes through a mutual fund investment.

2. Sukanya Samriddhi Yojana

This is also a scheme that can be of great returns to the investor, but there is one thing that you have to remember, and that is – this is a long-term scheme, and it has a few terms and conditions. Here are the Sukanya Samriddhi Yojana Scheme details.

– It is a scheme that has been specifically designed for girl children, and the girl child needs to be below ten years of age while applying for the scheme.

– The scheme has a lock-in period of 21 years.

But the benefits of the scheme stand the upper hand.

– The scheme has an interest rate of 8.1%.

– It is known to be one of the most risk-free schemes.

3. The National Saving Certificate

This is also another famous government-backed-up option that guarantees returns to the investor. It is a safe investment for anyone who is not looking for risks. It has a return of 6.80% (but this is variable.) This investment scheme can start from Rs. 500, and the best part is it does not have a maximum limit. 

4. The Public Provident Fund

This is also another government-introduced scheme, and it is an effective tool for the investors who choose not to invest in any sort of risk. But, just like most government-backed schemes, this one is long-term. It is more of a retirement corpus. But, it has an attractive interest rate attached to it – it has 7.1% returns on a yearly basis. As an investor in this scheme, you can also easily claim tax benefits over the scheme.

5. The Atal Pension Yojana

The Atal Pension Yojana is aimed at making sure of the financial safety of the after retirement life. A big part of our investments goes into saving for the retirement life, and the Atal Pension Yojana could be a neat way to get that saving approach in hand. The scheme will also provide you with the opportunity to claim tax benefits. 

This is just the tip of the iceberg; when you look into the high-return investment schemes, the list could go on. VPF, EPF, Kisan Vikas Patra, RDs, and FDs would all come into the same line of high returns and no risk.

What are the High Return Investment Ideas that have Risks?

Big rewards come with great risks. This is something you need to know when you think about risk-associated investment schemes. 

Stocks – Stocks are known to give you the highest returns in terms of investments. But remember, you can only choose to invest in stocks when you have the risk appetite for it. Investors who do not want to lose, or cannot afford to lose their money, wouldn’t want to invest in stocks.

Let’s see why.

They are associated with market volatility – Stocks are associated with market volatility, which means the rates could either shoot up or drop to the floor.

They don’t have security – When it is stocked, the security aspect, such as government-backed schemes, would not come to play here. 

Investors have to keep an eye on the market – At all times, the investor needs to have keen research and analysis and observation skills to get themselves to some reliable stocks to invest in.

The best side of stocks is their astounding returns, but these returns also mean you have to be ready for the above-mentioned risks. Along with those risks, you also need to spend time on research for the right stocks, the market movements, when to stay, when to leave, and how to deal with loss. 


Investors can choose to make smart investments in high returns schemes that are mentioned above earlier in life; this also means that they can enjoy the perks of it during maturity. This is the way that you can have your money work for you instead of working for your money. Through high-return investments, you can watch your money grow with minimal work to be done.

Marketvein Staff
Marketvein Staff
Born libra, likes to lead from the front. Digital Marketing & Technology is his strength. He has pursued engineering. Travelling to new places & writing is his idea of fun. In his free time (if he gets some that is), he is seen donning the chef's hat at home.
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