Top 5 Guaranteed Return Investment Plan – Best Investment Plans with Guaranteed Returns in 2023


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Whether you are a working professional or a businessman, financial security is something that we all look for. This is why many people focus on saving their hard-earned money as much as they can. However, does it help in making their money double? Well, the answer is no. If you are the kind of a person who wants to increase your money rather than saving, you should focus on investing to create wealth. And when you consider investing funds, you can choose a guaranteed return investment plan. Curious to know what a guaranteed return investment plan is? Let us discuss it today.

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What is a Guaranteed Investment Plan?

A guaranteed return investment plan is basically a type of investment plan that enables investors to get a good return on their investment. This return is guaranteed. This type of investment plan is good for people who are not very open to the idea of a high-risk investment. Therefore, no matter what the market condition is, if you are putting money in guaranteed return investments, you will surely get the returns.

5 Best Guaranteed Returns Investment Plans in 2023

Making investments in guaranteed returns is one of the best ways to create a wealth corpus. Over a certain period of time, this investment will give you a fixed rate of return. You would be glad to know that there are many types of guaranteed investment plans available in the market. A few of the common types are mentioned herein below:

1. Fixed Deposits (FD):

A Fixed Deposit (FD) is a type of investment plan that you can open in a bank or post office. You can invest your money in an FD for a certain time, which is fixed. After the period is over, you will get the money along with the interest amount.

Also Read: How a Fixed Deposit Interest Rate is Calculated?

2. Public Provident Fund (PPF):

Public Provident Fund is offered by the Government of India, and is a long-term plan. The lock-in period of this plan is 15 years and is fixed. However, the plan provides a guaranteed rate of return. Since it is backed by the government of the country, it is free of any risk.

Also Read: EPF vs PPF vs VPF: Which one is better?

3. Guaranteed Annuity Plans:

With a Guaranteed Annuity Plan, you can avail of a regular income for a certain period. As an investor, you would be required to pay a lump sum amount to an insurance company. In return, the insurance company will provide a guaranteed income with a fixed rate of interest.

Also Read: What are the different types of annuity plans in India?

4. National Savings Certificate:

National Savings Certificate is also offered by the Government of India. Over a fixed period, you can get a fixed rate of return. It is a completely safe investment option as it is supported by the Indian Government.

Also Read: National Savings Certificate – Know Premature Maturity Withdrawal Rules

5. Life Insurance Policies:

There are some types of life insurance policies, such as whole life and endowment plans that come with guaranteed returns. This source of income is steady and you can meet your long-term financial goals.

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Top Investment plans with guaranteed returns to choose from – Plan, policy term, and premium

Name of the Company Name of the Plan Policy Term Premium Amount/Year (approx.)
Edelweiss Tokio Life Insurance Edelweiss Tokio Life GCAP 10 to 30 years INR 31425
HDFC Life Insurance HDFC Life Sampoorn Samridhi Plus 15 to 40 years INR 29548
Max Life Insurance Max Life Guaranteed Lifetime Income Plan 5 to 40 Years INR 34850
Star Union Dai Ichi Life Insurance Star Union Dai Ichi Guaranteed Money Back Plan 10 years,15 years, 20 years INR 32700
Exide Life Insurance Exide Life Guaranteed Wealth Plus Lump-Sum Variant-15 years,12 years Income Variant-37 years INR 36954
PNB MetLife Insurance PNB MetLife Guaranteed Income Plan 5 years, 10 years INR 36489
IndiaFirst Life Insurance IndiaFirst Life Guaranteed Income Plan 5, 6,7,10 years INR 32458

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Things to consider while buying a guaranteed return plan

There are certain factors that you should keep in mind while purchasing a guaranteed return plan. Here are they mentioned below:

  • Lock-in period: The guaranteed return plans come with a lock-in period, which means you cannot withdraw your money within that period. Therefore, you need to be aware of the lock-in period and be sure that you are going to be okay without taking out the money during that period.
  • Rate of return: As you choose a guaranteed return investment plan, you must make yourself aware of the rate of return. You can compare the plans, check which one is offering the highest rate of return, and accordingly buy one.
  • Investment amount: The amount that you will invest in one such plan varies. Therefore, you can first check the investment amount and then choose the one that suits you the best.
  • Tax implications: You must try to understand the tax implications on your guaranteed investment plans and then choose to invest in one.

If you are looking for a worry-free investment option, you should go for guaranteed returns investment plans. You can rest assured that your money will be safe and you will get the highest possible returns.

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FAQs: Top Investment Plans with Guaranteed Returns in India, 2023

Which are the investment plans that give guaranteed returns?

Some of the plans that offer guaranteed returns are National Pension Scheme, Fixed Deposits, Public Provident Fund, etc.

Which is the safest guaranteed return investment plan?

The safest guaranteed return investment plan is the Certificate of Deposit.

Which investment plan offers the highest return?

As a long-term investment plan, Direct Equity is the best option.

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Feb 28, 2023
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PayBima Team
PayBima is an Indian insurance aggregator on a mission to make insurance simple for people. PayBima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. PayBima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.

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