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Life Insurance - Top Selling Plans

We bring you a collection of popular Canara HSBC life insurance plans. Forget the dusty brochures and endless offline visits! Dive into the features of our top-selling online insurance plans and buy the one that meets your goals and requirements. You and your wallet will be thankful in the future as we brighten up your financial future with these plans.

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Second paragraph61 words

Savings and Investment Plans from Canara HSBC Life Insurance

We bring you a collection of popular Canara HSBC life insurance plans. Forget the dusty brochures and endless offline visits! Dive into the features of our top-selling online insurance plans and buy the one that meets your goals and requirements. You and your wallet will be thankful in the future as we brighten up your financial future with these plans.

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Fixed Returns, Zero Risks & Worries

4 Plan options Life cover + Guaranteed benefits Accidental death benefit Premium protection cover

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Fixed Returns, Zero Risks & Worries

4 Plan Options Life cover + Guaranteed benefits Accidental death benefit Premium protection cover

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Which Investment Plans Offer the Highest Returns?

Saving and investment plans are an integral part of financial planning as they help to build a corpus for life goals. However, as there are multiple options to invest in, you cannot expect to find a “One Size Fits All” plan. You should find options that fit your goals and milestones.

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What is a Savings and Investment Plan in India?

Saving and investment plans are financial products that provide you with an opportunity to build wealth for the future and help you meet your financial goals. Best investment plans inculcate the habit of disciplined investment and help build your corpus to achieve future financial objectives with ease.

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Best Investment Options in India in 2026

Unit Linked Insurance Plans: A Unit Linked Insurance Plan (ULIPs) can be considered as an investment option as it provides insurance along with an avenue for investment. A part of the premium paid by the policyholder goes toward the life cover, and the other part goes towards the funds chosen by the policyholder. This life insurance plan offers market-linked returns, and hence, an investor should weigh in both the pros and cons of the plan before investing in it.

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High Risk Savings and Investment Plan

Unit Linked Insurance Plan (ULIP): A combination of investment and insurance. A part of your premium goes to insurance, and the balance is invested in the market. With most ULIP s, you have the option to choose whether you want your investment to go to equity, debt, bonds, or hybrid funds. As a survival benefit, you get the maturity amount depending on your Net Asset Value ( NAV ). If the policyholder passes away, the nominee receives the sum assured. New ULIP plans give you more flexibility in terms of investment options and are also cheaper.

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Assess Your Risk Tolerance

Different investment plans carry different levels of risk. Understanding your risk appetite is crucial before committing to any investment. Low-risk investors may prefer fixed deposits, government bonds, or savings insurance plans

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4 Factors to Consider Before Buying a Savings and Investment Plan

The Risk Associated with a Savings and Investment Plan: Different investment plans come with different levels of risk. You should be aware of the risk level of the plan you wish to buy.

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Best Investment Options in India in 2026

Public Provident Fund (PPF): PPF is one of the most popular and best investment plans for people considering putting their money into safe investment options. The 15-year plan is the best investment scheme to achieve your long-term life goals safely. Originally introduced as a safe retirement investment plan for the self-employed, the plan has been popular for long-term investors because it provides: Tax Efficiency: You can claim a deduction under section 80C up to ₹ 1.5 lakhs. Also, the maturity value is tax-free. Liquidity: You can borrow from the accumulated corpus within the first 5 years of the account. After 5 years partial withdrawals are allowed. Risk-Return Mix: Low-risk investment with a market-linked rate of interest, which is revised every year. Investment Period: Minimum of 15 years; after that, you can extend the account in batches of 5 years.

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Low Risk Savings and Investment Plan

Public Provident Fund (PPF): Another popular investment plan for investors with a low-risk appetite. The plan includes a lock-in of 15 years. Premature withdrawal is allowed only in case of emergencies. Interest is calculated every month, and it gets added to the PPF account at the end of the financial year. The minimum investment required is ₹500 annually, while the maximum you can invest in PPF is ₹1.5 lakh in a financial year. The principal amount, the maturity amount, and the interest earned are exempted from tax. You can be eligible to take a loan against your Public Provident Fund account.

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Best Investment Options in India in 2026

Equity Debt Fund: Debt mutual funds or bond funds are investment options to consider if you do not have a high-risk appetite or want to avoid volatility. These are also a diversified portfolio of fixed-income securities. In Debt Funds, the amount is invested in fixed-income securities, including government and corporate bonds, debentures and other long-term fixed-income securities. Depending on the type of securities held in the portfolio, funds can have a varied risk profile. You should check the ratings of the securities held by the fund to assess the risk before investing. Funds with top-rated securities or government bonds are suitable if you want the stability of returns with less risk. Thus, you can consider debt funds when: You are risk-averse You want relatively fixed returns The safety of the principal is a priority Note that the risk of changing interest rates will still be present in all debt funds.

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Medium Risk Savings and Investment Plan

Debt Funds: Debt funds are mutual funds that invest primarily in fixed-income securities such as government bonds, corporate bonds, treasury bills, and other money market instruments. These funds aim to provide stable returns with relatively lower risk compared to equity funds, making them suitable for investors looking for moderate risk and steady income.

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Best Investment Options in India in 2026

National Pension Scheme (NPS): The National Pension System is one of the government-backed investment plans designed to help you secure your retirement financially. It is regulated by the Pension Fund Regulatory and Development Authority (PFRDA). This helps you to create a strong retirement corpus at your disposal. You can use the NPS retirement account as a salaried or self-employed investor. There are two types of NPS accounts: Tier-I (Retirement Account) Tier- II (Voluntary Investment Account) The primary difference between NPS and other provident fund investments is that NPS allows you to build your corpus aggressively. It follows an auto-rebalancing method to maintain a portfolio with a declining risk as you age. Additionally, you can avail of a deduction of up to Rs 2 lakhs for your contribution. The risk-return on NPS investment will depend on the portfolio mix you choose and the length of time you stay invested. Thus, this retirement investment option works well for both risk-averse and aggressive investors.

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Second paragraph79 words

Low Risk Savings and Investment Plan

National Pension Scheme: NPS is a government-sponsored pension scheme initially designed for government employees. It is now available for employees of other private and unorganised sectors. You invest small amounts at regular intervals in this savings and investment scheme. At retirement, you can withdraw a percentage (up to 80%) of your corpus . The remainder is paid to you as a monthly pension. The scheme allows you to invest in different funds like debt funds, government funds, equity, etc.

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Best Investment Options in India in 2026

Senior Citizen Savings Scheme (SCSS): Senior Citizen Saving Scheme or SCSS is one of the best investment plans, which helps investors fulfil their retirement goals by generating a stable income. It is one of the small savings investment options and you can invest a lump sum in this scheme after turning 60. You will receive a fixed interest payout every quarter. You can open an SCSS account in 2 ways: Via post-office Via Bank It is a very popular investment option for senior citizens due to its guaranteed and attractive returns. The current rate of returns is 8.20% effective from 1.4.2024 to 31.3.2025. These rates are subject to change quarterly. Recent developments show that the Government of India has not increased the interest rate on the SCSS for the October-December 2025 quarter. The interest rate remained at 8.2%, providing account holders with a steady return on their deposits. Here are some features of SCSS you should know: You can invest in it if you have attained the age of 60. People over the age of 55 can also apply if they have taken the VRS (Voluntary Retirement Scheme) The minimum investment is ₹1000, i.e., you have to deposit more than or equal to ₹1000 The maximum investment is ₹15 lakh. You cannot invest more than this amount Interest is paid quarterly The maturity term is 5 years, which can be further extended by up to 3 years more

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Low Risk Savings and Investment Plan

Senior Citizen Saving Scheme: The Senior Citizen Saving Scheme is one of the best investment plans for a retired person. The scheme is designed for senior citizens and can be accessed through banks or post offices by anyone over 60 years of age. The tenure of this investment plan is 5 years and can be extended up to 3 years on maturity. The maximum amount you can invest in the scheme is ₹15 lakh. The interest is paid to you quarterly, and it is taxable. The interest rate change is revised every 3 to 6 months. The rate at which you buy the policy will remain the same during the tenure of your policy, even if the rate changes happen later. Senior citizens can claim a tax deduction of up to ₹50,000 under Section 80TTB on the earned interest from the scheme.

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Best Investment Options in India in 2026

Direct Equity: Direct equity stocks are one of the best investment options for aggressive investors. Direct equity investing involves investing in listed equity stocks of companies on the stock exchanges. You can get capital gains or dividend returns from direct stock investments. Stock performance depends on factors such as market position, company performance, etc. This option is one of the most volatile investments and has a high risk-return ratio One of the best investment options to generate inflation-adjusted wealth Suitable for a long-term horizon You need to have a bank account and a Demat account to start investing in this. Also, if you want to invest and benefit from stock investments consistently, you must have a high-risk appetite. Understand the functioning of equity stocks and markets before you start investing.

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High Risk Savings and Investment Plan

Direct Equity: Direct equity is investing directly in the shares of publicly listed companies through the stock market. Investors buy stocks with the expectation that their value will increase over time or that they will receive dividends. While direct equity investments can generate high returns, they also carry significant risk due to market volatility and price fluctuations.