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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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Popular Searches

National Savings Certificate Tax Saving Plans Senior Citizen Savings Scheme Calculator NPS and PPF Savings & Investment Plans Saving Schemes Save Money For Salaried Professionals One time Investment Plan for Child

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Popular Searches

National Savings Certificate Tax Saving Plans Senior Citizen Savings Scheme Calculator NPS and PPF Savings & Investment Plans Saving Schemes Save Money For Salaried Professionals One time Investment Plan for Child

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Popular Searches

Investment Options for an NRI All About PPF Sum Assured Policy Surrender Value Guaranteed Savings Plan

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Investment Options for an NRI All About PPF Sum Assured Policy Surrender Value Guaranteed Savings Plan

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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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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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Popular Searches

Senior Citizen Saving Scheme Post Office Savings Scheme What is Sum Assured? Money Saving Tips Saving Plans for Child Endowment Policy iSelect Guaranteed Future Plus Plan

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Senior Citizen Saving Scheme Post Office Savings Scheme What is Sum Assured? Money Saving Tips Saving Plans for Child Endowment Policy iSelect Guaranteed Future Plus Plan

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Save, Dream, Plan. Live Peacefully

Guaranteed Maturity Benefit

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Save, Dream, Plan. Live Peacefully

Guaranteed Maturity Benefit Tax Benefits

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Best Savings and Investment Options for the Middle Class in India

Below are some of the best savings plans for middle-class people in India. Depending on one's needs, financial goals, risk appetite, and affordability, one or more savings plans can be considered from the list below:

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Best Investment Plans for Middle-Class Population

Here is the list of the top best saving plans for the Indian Middle-Class population. It's important to note that the above list is non-exhaustive; the rates and returns are not perpetual and may change over time.

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Low Risk Savings and Investment Plan

Post Office Monthly Income Scheme ( POMIS ): A government-backed investment plan that provides a fixed monthly income. Investors can open an account with a minimum investment and earn interest that is paid monthly. The scheme has a tenure of 5 years and is suitable for individuals seeking a stable and predictable income stream with low risk.

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Best Investment Plans for Middle-Class Population

Post Office Monthly Income Scheme (POMIS) - Under this scheme , the investor invests a certain amount and earns a fixed interest every month. It is highly reliable, and a low-risk MIS and generates a steady income.

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5 Things to Check Before Buying a Savings and Investment Plan

Financial Goals: When you have financial goals, you know the amount you need in the future, the amount you need to invest, and the returns you should expect. Create your financial goals, and based on that, choose the savings and investment plan.

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Factors to be Considered Before Investing in a Savings Plan

Wealth Goals - Investments are mostly made to achieve wealth goals that may not be possibly achieved by spending a month's salary for a middle class individual. Choose your wealth goals and then look for the most suitable saving plans worth your investment.

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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 Plans for Middle-Class Population

National Pension Scheme (NPS) - An investment cum pension scheme for all the employees from the public sector, private sector, and even the unorganized sector except for those who work in the armed forces. It is a saving, pension, and investment scheme, all under one basket.

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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 Plans for Middle-Class Population

Public Provident Fund - It is a no-risk investment and a most popular long-term saving-cum-investment. India's government guarantees investment in the fund and the interest rates are set by the government quarterly.

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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 Plans for Middle-Class Population

Senior Citizen Savings Scheme (SCSS )- SCSS is an investment cum pension scheme for Indian residents aged over 60 years, i.e. senior citizens. The scheme can provide better returns with optimum savings.