Investment Plans

Investment plans are financial products that help individuals grow their wealth while securing their future goals. These plans offer a mix of protection and savings, allowing individuals to build a corpus over time. Unlike pure protection products such as a term life insurance plan, investment plans also focus on long-term financial goals. Certain options, such as ULIP plans, provide market-linked returns while offering life cover, making them ideal for individuals comfortable with moderate risk. On the other hand, guaranteed return plans and pension plans cater to conservative investors seeking predictable income and post-retirement stability.

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Highlights of Investment Plans

Build wealth with high returns

Includes insurance coverage

Provides post-retirement income

Save for your child’s education

Risk-free investment

Tax-free returns

Types of Investment Plans

Explore a range of investment opportunities tailored to your financial goals. Start your investment journey today, there are different types of products to choose from based on your needs

Pension Plan

Long-term investment plans come with tax benefits for retirement savings. The National Pension Scheme is regulated by the central government and the Pension Fund Regulatory and Development Authority (PFRDA).

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Guaranteed Return Plan (GRP)/Endowment pl...

GRP is a life insurance policy that combines investment and coverage. It builds a savings corpus and provides financial support to your family in case of your untimely demise. GRP is also available as part of endowment policies.

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Unit Linked Insurance (ULIP)

ULIP offers life coverage and market-based investments. Funds can be invested in debt, equity, or a combination, making it a top choice in India for tax-free returns.

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Child plan

This plan helps secure your child's future financially. It combines investment and insurance, ensuring your child receives a fixed yearly payment or lump sum in the future.

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Money-back policy

This policy combines life cover with regular payouts and survival benefits throughout the policy term, making it ideal for children.

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Most Popular Investment Plans

Guaranteed Pension Plan

Top up options

Invest an additional amount so that you get a higher guaranteed regular income

NPS benefit

Get 1% extra annuity when you use your National Pension Scheme (NPS) savings to buy the plan

4.5

Retirement - Pension Plans

Tax Benefits

Enjoy tax benefits under Section 80C of the Income Tax Act of 1961

Emergency Liquidity

Partial withdrawals during the accumulation phase in emergencies.

4.5

Guaranteed Pension Plan

Top up options

Invest an additional amount so that you get a higher guaranteed regular income

NPS benefit

Get 1% extra annuity when you use your National Pension Scheme (NPS) savings to buy the plan

4.5

Retirement - Pension Plans

Tax Benefits

Enjoy tax benefits under Section 80C of the Income Tax Act of 1961

Emergency Liquidity

Partial withdrawals during the accumulation phase in emergencies.

4.5

Sanchay Plus

Tax Benefits

Stand eligible for tax deduction under Section 80C for the Income Tax Act, 1961.

Life Long Income

Avail Survival Benefit as Monthly Income on attaining age 60to ensure a work -free retired life.

4.5

POSGoal Suraksh

Avail Loan

Option to take policy loan once policy acquires surrender value

Payment Mode

Option to alter premium payment mode based on your need

4.5

iProtect Smart

Avail Loan

Option to take policy loan once policyacquires surrender value

Tax Benefits

Stand eligible for tax deduction underSection 80C for the Income Tax Act, 1961.

4.5

Sanchay Plus

Tax Benefits

Stand eligible for tax deduction under Section 80C for the Income Tax Act, 1961.

Life Long Income

Avail Survival Benefit as Monthly Income on attaining age 60to ensure a work -free retired life.

4.5

POSGoal Suraksh

Avail Loan

Option to take policy loan once policy acquires surrender value

Payment Mode

Option to alter premium payment mode based on your need

4.5

iProtect Smart

Avail Loan

Option to take policy loan once policyacquires surrender value

Tax Benefits

Stand eligible for tax deduction underSection 80C for the Income Tax Act, 1961.

4.5

Sanchay Plus

Tax Benefits

Stand eligible for tax deduction under Section 80C for the Income Tax Act, 1961.

Life Long Income

Avail Survival Benefit as Monthly Income on attaining age 60to ensure a work -free retired life.

4.5

POSGoal Suraksh

Avail Loan

Option to take policy loan once policy acquires surrender value

Payment Mode

Option to alter premium payment mode based on your need

4.5

iProtect Smart

Avail Loan

Option to take policy loan once policyacquires surrender value

Tax Benefits

Stand eligible for tax deduction underSection 80C for the Income Tax Act, 1961.

4.5

Sampoorna Raksha Supreme

Personal Medical Case Management

Get complimentary 24x7 health consultation from specialists in just 180 seconds with our free online consultation service

Express 4 hour claim settlement

Experience the efficiency and convenience of 4 hour claim settlement, ensuring swift resolution

4.5

Bajaj Allianz Life eTouch

Personal Medical Case Management

Get complimentary 24x7 health consultation from specialists in just 180 seconds with our free online consultation service

Express 4 hour claim settlement

Experience the efficiency and convenience of 4 hour claim settlement, ensuring swift resolution

4.5

iProtect Smart

Personal Medical Case Management

Get complimentary 24x7 health consultation from specialists in just 180 seconds with our free online consultation service

Express 4 hour claim settlement

Experience the efficiency and convenience of 4 hour claim settlement, ensuring swift resolution

4.5

Smart Secure Plus

Personal Medical Case Management

Get complimentary 24x7 health consultation from specialists in just 180 seconds with our free online consultation service

Express 4 hour claim settlement

Experience the efficiency and convenience of 4 hour claim settlement, ensuring swift resolution

4.5

Sampoorna Raksha Supreme

Personal Medical Case Management

Get complimentary 24x7 health consultation from specialists in just 180 seconds with our free online consultation service

Express 4 hour claim settlement

Experience the efficiency and convenience of 4 hour claim settlement, ensuring swift resolution

4.5

Bajaj Allianz Life eTouch

Personal Medical Case Management

Get complimentary 24x7 health consultation from specialists in just 180 seconds with our free online consultation service

Express 4 hour claim settlement

Experience the efficiency and convenience of 4 hour claim settlement, ensuring swift resolution

4.5

iProtect Smart

Personal Medical Case Management

Get complimentary 24x7 health consultation from specialists in just 180 seconds with our free online consultation service

Express 4 hour claim settlement

Experience the efficiency and convenience of 4 hour claim settlement, ensuring swift resolution

4.5

Smart Secure Plus

Personal Medical Case Management

Get complimentary 24x7 health consultation from specialists in just 180 seconds with our free online consultation service

Express 4 hour claim settlement

Experience the efficiency and convenience of 4 hour claim settlement, ensuring swift resolution

4.5

Sampoorna Raksha Supreme

Personal Medical Case Management

Get complimentary 24x7 health consultation from specialists in just 180 seconds with our free online consultation service

Express 4 hour claim settlement

Experience the efficiency and convenience of 4 hour claim settlement, ensuring swift resolution

4.5

Bajaj Allianz Life eTouch

Personal Medical Case Management

Get complimentary 24x7 health consultation from specialists in just 180 seconds with our free online consultation service

Express 4 hour claim settlement

Experience the efficiency and convenience of 4 hour claim settlement, ensuring swift resolution

4.5

iProtect Smart

Personal Medical Case Management

Get complimentary 24x7 health consultation from specialists in just 180 seconds with our free online consultation service

Express 4 hour claim settlement

Experience the efficiency and convenience of 4 hour claim settlement, ensuring swift resolution

4.5

Smart Secure Plus

Personal Medical Case Management

Get complimentary 24x7 health consultation from specialists in just 180 seconds with our free online consultation service

Express 4 hour claim settlement

Experience the efficiency and convenience of 4 hour claim settlement, ensuring swift resolution

4.5

Sampoorna Raksha Supreme

Personal Medical Case Management

Get complimentary 24x7 health consultation from specialists in just 180 seconds with our free online consultation service

Express 4 hour claim settlement

Experience the efficiency and convenience of 4 hour claim settlement, ensuring swift resolution

4.5

Bajaj Allianz Life eTouch

Personal Medical Case Management

Get complimentary 24x7 health consultation from specialists in just 180 seconds with our free online consultation service

Express 4 hour claim settlement

Experience the efficiency and convenience of 4 hour claim settlement, ensuring swift resolution

4.5

iProtect Smart

Personal Medical Case Management

Get complimentary 24x7 health consultation from specialists in just 180 seconds with our free online consultation service

Express 4 hour claim settlement

Experience the efficiency and convenience of 4 hour claim settlement, ensuring swift resolution

4.5

Smart Secure Plus

Personal Medical Case Management

Get complimentary 24x7 health consultation from specialists in just 180 seconds with our free online consultation service

Express 4 hour claim settlement

Experience the efficiency and convenience of 4 hour claim settlement, ensuring swift resolution

4.5

Children Savings Plans

Guaranteed` security of education

In case of parent’s demise, company will pay future premiums on parent’s behalf till policy completion.

Flexible withdrawal

Withdraw parts of your investment multiple times to tackle any medical emergency/ regular learning expenses of your child after 5 years of policy term

4.5

Wealth Maxima

Plan options

3 plan options to suit your life stage needs

Fund Growth

Opportunity to invest in funds of your choice

4.5

Children Savings Plans

Guaranteed` security of education

In case of parent’s demise, company will pay future premiums on parent’s behalf till policy completion.

Flexible withdrawal

Withdraw parts of your investment multiple times to tackle any medical emergency/ regular learning expenses of your child after 5 years of policy term

4.5

Wealth Maxima

Plan options

3 plan options to suit your life stage needs

Fund Growth

Opportunity to invest in funds of your choice

4.5

Money Back Policy

Guaranteed Returns

Low-risk, non-linked money-back policies offer guaranteed returns at regular intervals.

Regular Pay-outs

Earn period pay-outs at regular intervals throughout the policy tenure.

4.5

Money Back Policy

Added Bonus

Receive higher returns in the form of bonuses, such as a revisionary bonus, or terminal bonus that are added to your policy over time

Tax Benefit

Premium paid is tax-exempt~ up to 1.5 lakh annually under Section 80C of the Income Tax Act of 1961

4.5

Money Back Policy

Guaranteed Returns

Low-risk, non-linked money-back policies offer guaranteed returns at regular intervals.

Regular Pay-outs

Earn period pay-outs at regular intervals throughout the policy tenure.

4.5

Money Back Policy

Added Bonus

Receive higher returns in the form of bonuses, such as a revisionary bonus, or terminal bonus that are added to your policy over time

Tax Benefit

Premium paid is tax-exempt~ up to 1.5 lakh annually under Section 80C of the Income Tax Act of 1961

4.5

Type Of Investment Plans

Pension Plan

Ensures post-retirement income through regular payouts, supporting long-term financial security.

Guaranteed Return Plan

Provides assured returns with minimal risk, ideal for conservative investors seeking stability.

Unit Linked Insurance Policy

Combines market-linked growth with life insurance cover, offering flexibility and wealth creation.

Child Plans

Builds savings for child’s education and future, while offering financial protection.

Moneyback Policy

Offers periodic payouts during policy term along with maturity and insurance benefits.

Common Components Of Investment Plans

Terms

Description

Premium

Regular payment made to keep the policy active and build savings or investment corpus.

Sum Assured

Guaranteed payout to beneficiaries in case of policyholder’s death during the plan term.

Maturity Benefit

Lump sum or periodic returns provided at policy completion, depending on the plan type.

Policy Term

Duration for which the investment plan remains active and provides coverage/returns.

Fund Options

Choice of equity, debt, or balanced funds in ULIP plans to match risk appetite.

Riders

Add-ons like critical illness or accidental death cover to enhance protection.

Surrender Value

Amount receivable if the policy is terminated before maturity, subject to terms.

Loan Facility

Option to borrow against the policy’s value without surrendering the plan.

When To Start Investing?

Life Stage

Investment & Protection Approach

Early Career

Invest 20–30% of income in growth-oriented plans across equities, debt, and gold; maintain emergency fund; secure life insurance for financial protection.

Mid-Career

Allocate 30–40% of income balancing wealth creation and protection; diversify across ULIP plans, Guaranteed Return Plans, and retirement-focused instruments; maintain health insurance; optimize tax with Section 80C/80D deductions.

Pre-Retirement

Focus on capital preservation and steady income using low-risk plans, pensions, and guaranteed-return options; review and enhance health insurance cover and consider critical illness plans; reduce exposure to volatile assets.

Post-Retirement

Prioritize income stability and capital preservation through annuities or low-risk pensions; maintain senior citizen health insurance; adjust withdrawals to manage inflation and medical expenses.

Ask Anything as We Have Answers to Everything in Insurance

Investment plan means the process through which you can align your monetary goals as per the available resources of investment. While making your financial planning, investment plans serve as the main component. It makes sure that you put your savings in the right investment to earn good returns.

Investment planning is important in India because investment plans help people in making periodic investments in various options to create wealth and to achieve financial goals for the future. It helps individuals to save and to meet the financial needs of their family under different plans including the best investment plan for 5 years.

There is no specific age to start investment. You can start as young as possible and as soon as you start earning. And it is good to invest your earnings in different options of investment that suits you. This way, you will earn a good amount by the time you start getting returns.

There are many investment plans that are risk free like Savings plans, Post Office Fixed Deposits and Recurring Deposits etc. However, when it comes to investment options linked to the market, there is a certain kind of risk involved. This is because, in such investment schemes, the ROI depends entirely on the market variables.

The 4 type of investments options in India can be classified as Mutual Funds, Stocks, Cash Equivalents and Bonds.

The investment options that allow high returns include Saving Account, Liquid Funds, Direct Equity, Equity Mutual Funds, Short-Term & Ultra Short-Term Funds, Fixed Maturity Plans, Debt Mutual Funds, National Pension System, Public Provident Fund, Bank Fixed Deposits, Senior Citizen’s Savings Scheme, Real Estate and Gold etc. Besides the above, there are many other best investment plan with high returns.

Some of the short term investment plans with high returns in India:

Liquid Funds
Recurring Deposit
Savings account
National Saving Certificate
Fixed Deposits

Some of the long-term investment plans in India with high returns are:

Bank Fixed Deposit (FD)
Post Office Savings Schemes.
Public Provident Fund (PPF)
National Savings Certificates (NSC)
Corporate Fixed Deposits. Sukanya
Samriddhi Account (SSA)
Unit Linked Insurance Plan (ULIP)
National Pension System (NPS)

Some of the best investments for beginners are:

High-yield savings accounts.
Certificates of deposit (CDs)
Mutual funds
Exchange-traded funds or ETFs
Individual stocks, etc.

There are numerous investment plans available in India that you can choose from to invest in as per your requirement. It is advisable to select a plan as per risk tolerance factor after checking the returns.

The investment plans that give the highest return are Debt Mutual Funds, National Pension System, Equity Mutual Funds, Public Provident Fund, Bank Fixed Deposits, Direct Equity, Senior Citizen’s Savings Scheme, Real Estate and so on.

Below are the different types of investments available in India:

Bonds
Stocks
Real Estate
Deposit Certificates
Fixed Deposits
Mutual Funds
PPF
NPS

Some of the best investment plans are:

Unit Linked Insurance Plans
Public Provident Funds
Monthly Income Plans
Mutual funds
Tax saving Fixed Deposits
Senior Citizen Savings Scheme
Sukanya Samriddhi Account

Investment plans help people to build a corpus that they can use at the time of retirement. This amount helps them to live a life of financial independence after retirement. So, by investing in retirement plans people can secure a lump sum amount which you can invest for regular income lifelong.

Many people think that savings and investment are one and the same thing. However, the fact is both are different from each other. Saving plans offer low risk and here the interest is earned on the amount that is saved. Moreover, saving plans allow individuals to save money even for a short period. But investments might involve high risk, while the return is also high. Investments allow people to create wealth in the long run.

To save tax on investments, you must choose a plan that offers tax benefits under Section 80C of the Income Tax. ELSS, ULIP, PPF, EPF, etc.

An investment plan is a financial product that combines wealth creation with protection, helping individuals achieve long-term goals.

Unit Linked Insurance Plans (ULIPs) link premiums to market funds for potentially higher growth while providing life insurance cover.

Yes, investment plans often allow customization through fund allocation, tenure choices, and optional riders like critical illness or accidental cover.

Starting early, ideally during your career’s initial phase, maximizes compounding, balances risk, and aligns investments with future goals.

For certain plans, premiums qualify for deductions under Sections 80C, and maturity proceeds can be tax-free under Section 10(10D) if conditions are met.

Investment plans should be reviewed at least annually to rebalance allocations and ensure alignment with changing goals or market conditions.

Yes, pension and guaranteed-return plans help create a steady post-retirement income while maintaining long-term financial security.

Accounting for inflation is crucial, as it impacts real returns and ensures that wealth growth maintains purchasing power over time.

Partial withdrawals may be allowed, depending on the plan, but early exit could involve penalties or reduced benefits.

Riders like critical illness, accidental cover, or disability protection provide additional security, ensuring that unforeseen events do not derail financial goals.

Investment Plans

Highlights of Investment Plans

Types of Investment Plans

Most Popular Investment Plans