Which is the best investment plan in India for middle class : Get Good Returns with safety in 2024

Introduction: Get Return with safety

If you have some excess fund and want to invest for a short period of time, then this article is going to help you to find which is the best investment plan in India for middle class. some investment plans have a tenure from few days to few years. Easy to convert into cash and also provides predictable returns. Short Term investment plans are essential for building emergency fund, saving for short term goals such as down payment on a house, purchasing a car, Capital preservation, Supplementing Income. In This Article explore top 5 short-term investment plans and strategies for maximizing gains.

best short term investment plans

Importance of Short Term Investment Plans:

Short term investment plans provide us financial flexibility, stability, and the good potential for quick gains. Very effective for immediate financial needs, diversifying portfolios, and its help to achieving short term financial needs. Here are some reason why short terms investment plans are important and what are its benefits:

  • Capital Preservation
  • Quick Access to Funds
  • Flexibility
  • Diversification
  • Cash Flow Management
  • Risk Management
  • Building a Financial Foundation
  • Advantage of Market Volatility

Which is the Best Investment Plan in India for Middle Class

1-Saving Bank Accounts:

The Best benefit is Withdrawal of Funds anytime, anywhere, you get an interest of 3.5% to 4% depends on various banks. It is not the best investment option until constant need of funds.

2-Fixed Deposits and Recurring Deposits:

These are safe and secure investment option one can buy. Free from market fluctuation and interest rate volatility and high flexibility in terms of tenure period. Interest Gain of Rupees 10000 is Tax-free. You have to deposit Fix amount in FDs where in RDs you Need to deposit the amount on monthly basis. The Principal Amount will not effect if you break your FD or RD.

 3- Post Office Time Deposits:

These are the FD Scheme offered by Post offices and are highly considered as best short term investment options for low income group.  Free from market fluctuation and interest rate volatility and high flexibility in terms of tenure period.

Click here for POST Office Official Website

4National Saving Certificates.

Another Post Office Product is NSC National Saving Certificates. NSCs have a minimum investment value of ₹1,000 and a lock-in period of 5 years. The interest accrued is compounded annually but paid on maturity.

 5-Liquid Funds:

These are open-ended debt mutual funds that invest in money market instruments such as commercial papers, certificates of deposit, and treasury bills. Maturity of these funds is up to 91 days and are highly liquid. There are No lock-in period and are redeemable investors’ bank account in 2-3 business days. Higher Returns than a saving bank account or Bank FDs and also don’ t have any entry or exit loads. From April 1st 2023, as per the investor’s IT slab rate capital gains from debt mutual funds will be taxed.

What is Certificates of Deposit(CDs), Commercial Papers and Treasury bills?

  • Certificates of Deposits(CDs) is a savings account that holds a fixed amount of money for a fixed period of time like six months, one year, or five years, and in exchange, the issuing bank pays interest. When you cash in or redeem your CD, you receive the money you originally invested plus any interest. Any Commercial Bank allowed by RBI can issue CDs. Regional Rural Banks(RRBs) and Cooperative banks Can not issue CDs.
  • Commercial Papers: is typically issued by companies to raise funds to meet their short-term financial obligations. This is an unsecured, short-term debt instrument and is usually issued at a discount from face value. Mutual funds, banks, insurance companies, and pension funds are the main buyer of commercial paper. Commercial paper is not secured like other investment types, so if a company defaults and can no longer pay, the investor has little recourse. Although unsecured, commercial paper default is very rare, Because It is only issued by highly rated organizations.
  • Treasury bills(T-bill) are money market instruments issued by the government of India. It is Promissory Notes with a repayment guarantee. These are short term (up to 1 year) borrowing instruments.


Those who don’t want to park their funds for very long. So they need best short term investment plans where they can grow their money with low risk. So, diversify your investments and conduct thorough research before making any investment decisions.


Which is good to invest in short term?

Bank Products are usually good in terms of urgent need of funds and treasury bill are consider safest .

Where to invest 2000 rupees per month?

If you want to invest on monthly basis then the best option is SIP (Systematic Investment Plan) you can also go for Recurring Deposits in Banks or Post Office.

What gives you the higher return?

Stock are considered for highest return, although it is risky too because of market volatility.

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