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HomeINVESTMENTWhat Is The Safe Investment For 10-15% Returns Per Month?

What Is The Safe Investment For 10-15% Returns Per Month?


If you want to earn a good return on your savings, then it is important to know what the safe investments in India are. This will help you decide where to park your money.

Savings accounts yield low interest, but they are very secure. Other investment options can be risky and may not give high returns.

In India There are many investments that can yield fairly steady returns over the long-term, however the yields may not be as high as 10 percent per month. Examples of these investments are:

Fixed deposit

Fixed deposit (FDs) are a popular investment choice in India in which you put a lump sum of money at the bank or bank for a predetermined time of duration.

The rate of interest on FDs differs based on the bank and time of your deposit. It generally can range from 5% to 7 % per annum.

Mutual funds

Mutual funds are invested portfolios that are professionally managed which combine money of investors and invest in various types of securities, including bonds, stocks and various other assets.

Mutual funds are accessible in different categories, such as debt, equity and hybrid funds and their return is contingent on their performance of the securities that they invest in. In the long run mutual funds can yield returns of 8 to 12% per year.

Large Cap Mutual Funds

The large-cap funds are investments that are short-term in nature which invest is placed selectively in the shares of large businesses to experience significant growth in less time.

These fantastic small investment plans can provide you with a rapid and efficient return within 1 to 3 years of time.

Tenure: one can put money in this large-cap fund over the period of 3 to 5 years.

Liquidity: The large-cap mutual plan offers high liquidity to investors as well as high return on investment.

Returns: As a secure short-term investment There is a low risk in the large-cap fund investment are minimal and offers the potential for a high return of between 8% and 13%.

Taxation: capital gain tax is applied to debt funds. The tax on short-term capital gains (STCG) is applicable to the capital gains that are earned by the fund that is kept for a period of three years. Capital gain tax for long-term is applicable to capital gains derived from the fund that is kept for a period of greater than 3 years.

Public Provident Fund (PPF): 

PPF is a government-backed savings plan which offers tax-free investments. Current percentage of PPF’s interest rate is 7.1 percent  per annum. The investment has an investment lock-in time of fifteen years.


bonds are an investment choice that is well-known that can yield fairly reliable returns in India. The return on bonds is contingent on a variety of factors, including their creditworthiness of the issuer rate of interest at the time, as well as the term of the bonds.

Typically, bonds with longer durations offer greater returns than shorter-term bonds. The yields on bonds in India can vary between 6-9% per year according to the kind of bond and market conditions.

Equity Mutual Funds

Investing in equity mutual funds can help you achieve your long-term financial goals. They offer higher returns than savings bank accounts and fixed deposits but come with a certain level of risk.

However, if you are able to manage the risk, they can offer great gains in the long run.

Medium-term goals like saving for a wedding or downpayment on a home are best fulfilled by investments that can beat inflation and are not too volatile. Investment options that fit this criteria are recurring deposits (RDs) and G-Sec bonds.

Equity-linked savings schemes (ELSS) are tax-efficient equity mutual fund investments. They invest at least 80 per cent of their assets in equity shares of companies and qualify for deductions under Section 80C of the Income Tax Act up to a maximum limit of Rs 1.5 lakh.

Real Estate

Real estate is a popular investment option in India because of its long-term value appreciation and stable returns. It is also an excellent choice for first-time buyers looking to save on interest payments. But which cities should you invest in?

Choosing the right property for you requires careful consideration. You should consider the location, the price of the property, and your risk appetite.

Selecting the right property for you will guarantee that you will get the best value for your capital. While there are many places to invest in, here are a few of the top cities that offer the highest return on property.

The FD rate of return depends on the bank or NBFC and the tenor of the investment, with higher tenors offering higher rates of return.


Gold is a precious metal that is considered a safe investment and typically beats inflation. It can be purchased as jewellery, coins, bars, or exchange-traded funds. However, each of these options has its own unique advantages and drawbacks.

If you’re looking for an investment that offers high returns, consider the Gold Mutual Funds. These are market-linked investments that manage your money in a disciplined way. They can also beat the return on FDs and inflation by a fair margin.

Another option is the National Savings Certificate, a post-office savings scheme that works like 5-year FDs and pays 7% annual interest.

Alternatively, you can buy Sovereign Gold Bonds, which are digital and Demat gold investments that are guaranteed by the government. These are more affordable and offer better liquidity than physical gold.


NSC is a fixed income investment option offered by the government of India. You can purchase NSCs in your own name, for a minor, or in joint accounts with another adult.

NSCs have a maturity period fixed of 5 years. Amounts of investments up to 1.5 lakh per year are eligible for tax-free advantages under the section 80C.

NSCs offer a higher interest rate than bank FDs. Moreover, you can invest in NSCs on a monthly or quarterly basis. You can also nominate a beneficiary to receive the maturity amount in case of your death.

You can purchase NSCs online, via e-mode or passbook mode. Previously, banks and post offices used to pre-print NSC certificates but this was discontinued in 2016. You can now buy NSCs only through e-mode or a passbook mode.

Treasury Securities

Treasury bills, notes and bonds are a great investment for individuals who want to diversify their portfolios. They come with a variety of maturities and pay interest semiannually.

They are also exempt from state and local taxes, making them an excellent choice for investors in high-tax states. Treasury Protected from Inflation Securities (TIPS) are securities which protect the principal amount invested against inflation.

They pay interest semiannually at a fixed rate on the adjusted principal, and at maturity, you receive the original principal plus any accumulated interest payments.

National Savings Certificate or NSC is a 5-year deposit scheme that pays 7% annual interest.

Eligibility: Any Indian citizen above 18 with requisite documentation can open an account. This program is fully supported by the Government and has minimal risk.

National Pension System (NPS): 

NPS is a pension scheme that is managed by the Pension Fund Regulatory and Development Authority (PFRDA).

NPS offers the opportunity to earn returns based on the performance of the market of the securities that fund it and its earnings can vary from 8 to 10% per year.

It is essential to be aware that investing is risky and investors should always conduct studies and consult with an advisor on financial matters prior to making any investment decision.

An achievable and realistic goal for return on investment could be between 8 and 12% per year. It is essential to pick an investment option that fits your investment risk tolerance and your financial objectives.



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