Top Investment Plans in India with Low Risk in 2022

As the market is quite volatile currently, creating a diverse investment portfolio that provides sufficient returns with minimum risks becomes imperative. You must always assess your financial condition, risk tolerance, and investment objectives before investing in an instrument. However, market-linked investments carry different risks and therefore, your financial plans can be disturbed due to fluctuations in the market. The following investment plans are ideal for earning interest by taking minimum or no risks:

National Saving Certificate

Invest in NSC if you are looking for an investment option that offers a reasonably high interest rate and ensures the safety of your deposits. It comes with a duration of 5 years and the interest gets compounded every year. You can also claim a deduction of Rs. 1,50,000 on the interest earnings of NSC. 

Public Provident Fund (PPF)

PPF is suitable if you are aiming at long term objectives without subjecting your investment to any risks. The investment duration is of 15 years and you can further extend it by another 5 years. You can either invest a monthly instalment or deposit a lump sum amount in your PF account. It also qualifies for a tax deduction of up to Rs. 1,50,000 as the Section 80c of the Income Tax Act. 

Bank Fixed Deposits

Bank FDs are safe as their returns are not determined by the market conditions and economic uncertainties. However, the FD interest rate offered by bank FDs will vary from 3.5% to 5% per annum depending upon your choice of bank and tenure. 

Post Office Monthly Income Scheme (POMIS)

POMIS allows you to invest in multiples of Rs. 1000. Up to Rs. 4,50,000 can be deposited in a single POMIS account whereas deposits up to Rs. 9,00,000 are allowed for a joint account. Premature withdrawal is allowed post completion of 1 year but a withdrawal penalty of 2% applies if you withdraw your deposits before completion of 3 years. Being a government backed monthly investment scheme, it is considered to be a safe bet for investment.

Corporate FDs

Corporate FDs are just like bank FDs but instead of offering an interest rate between 3.5 to 5% they offer a much higher FD interest rate. The FD returns are naturally higher and with a trusted fixed deposit provider, you need not worry about the safety of your invested capital. 

Bajaj Finance FD is a company FD that allows you to earn at an interest rate up to 6.80%. If you are a senior citizen, you can earn at an interest rate up to 7.05%. Moreover, it is one of the most trusted and safe platforms to invest money as per the credit ratings of CRISIL and ICRA. 

A tenor range from 12 to 60 months along with features like multi-deposit facility enables you to plan your investments smartly. Moreover, options like FD auto-renewal facilitate seamless compounding of interest without any gaps. The deposits can be withdrawn after completion of the minimum investment term of 3 months. All these facilities and features make it one of the best investment plans in India.


Investment plans need to be according to your risk taking ability and financial situation. To earn good returns without any risks, you can invest in bank FDs, NSC, POMIS, or PPF. However, for accessing the benefits of high interest rates and a flexible tenor range, you should opt for corporate FDs like Bajaj Finance FD. Along with a high interest rate, it also provides flexible tenor and simple withdrawal norms. Moreover, your deposits will be safe here as leading credit rating institutions of India like CRISIL and ICRA have considered it as a safe and stable instrument.

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