where to invest my 5Lacs??
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Where to invest my 5 lac savings to get best returns at this time..? If Bank FD then which is best?
Also mention other sources.
Thanks in advance 
MFs Might be a good option now.
For best return , share market is the option. For safest FD is there.
If you are good player then only invest in share market.soon there is chance of falling in share market
LICHFL sanchay deposit returns around 7.5%
For the time being keep in sb account. From August on wards invest in MFs through sips
invest in corporate bonds check here hdfc bank giving 8.51%
https://goldenpi.com/investment-options/lis...ew
There are no charges for buying bonds and they are delivered to your Demat account just like shares.
How to buy these bonds and what is this site , pls explain a bit.
you can also invest in idfc bank fd or saving a/c and get high interest
haha Should have invested that in ruchi soya in mid jan… U missed the train bro
For anyone seems interested or curious about this, it is the worst advice given till now in this thread(2nd worst is investing in crypto currency).
@bikidas2060
Iit Roorkee???
IIT Ropar ?
Mazaak mat karo… 15-20 lakhs hoga, bas 5 lakhs bataa rahe ho
In PM Cares
Don’t put all your eggs in one basket. You can try investing some part of money in Gold/ digital gold.
@saucap recommend digital gold ?
1. Not sure on your risk level, if this is surplus and able to take risk, go ahead with corporate bonds and Even Gold.
2. If you dont want to take risk and still this is surplus money u have then go ahead with bank FDs, Since bank have 5L insurance, though bank fails. you may get back, but it will not be instant, it may take 1-2 years to get that back. Small Finance banks and Yes bank IndusInd were giving >= 7.5%. You can do invest in gold too about 1K.
3. If you dont want to take risk and its the only money, then do FDs in Public sector banks, HDFC/ICICI, which offer nearly 6% interest. these banks very less chances of bankrupt, so you get the money easily at meturiry.
IDFC First bank, 7% interest on saving better than FD of many banks.
All process online
I invested 4 lakhs in IDFC first , its in savings account .. giving 7% ROI , better from FD, cause your money is in liquid stage.. i don’t have any idea about TDS on savings account interest but its the best option … If you open the account through referal you would be eligible for 500 rs cashback for referal and 250 cashback from banks…
Savings acc interest income(from all your savings acc in all banks) beyond 10000 is fully taxable as per your income tax slab(beyond 50000 for senior citizens) but very few declare this income in their ITR & pay tax on it because unlike FD bank doesn’t deduct TDS so there isn’t an entry mismatch in ITR. However now IT department is tightening the scrutiny & with pan linkage it may soon be possible that ITR form will show your total interest income earned from all bank acc or check it against your ITR so better not hide it unless the income is not much(say 10-15k beyond the free limit so assuming 20% tax slab it is just 3k of tax).
If FD, go for small finance banks.. they are giving 8.5% . They will be available every corner of the city
AU giving 7.3% .
buy gold
PM Care fund 
please enlighten us where all the money collected is being spent so far? not heard of even 1 re spent from it.
Gold lele bhai
If you have spare money for 7 years… you may try GOI Savings Bonds which offers 7.75% which is the safest way.
If you choose cumulative option, it will be compounded every 6 months so the effective interest rate would be 10% approx. ( these are fully taxable )
You can also read this – http://content.icicidirect.com/idirectcontent/P...
dont buy these bonds/gilts as yield may go past 8-9 soon (currently 6 1%), if history is to be believed. govt expendature will rise, inflation will rise, tax burden will increase, liquidity will dry out.
Share market is the best investment bro.
And i guess it’s the right time to invest as well.
Make FD In Post Office
GOI Bonds interest rates were reduced from 8% to 7.75% and period increased from 6 to 7 years
also PO MIS and other PO schemes interest rates were reduced from April 2020
Op, pls mention,where u mentioned, how much amount, it could be beneficial for all
buy agriculture land if you know the contacts in your area
Sorry for digging this thread out. I wanted to invest a sum of 20 lakhs n its my mum’s money. As you know how these guys are about zero risk policy, I can only come up with the goi rbi bonds which give 7.15 floating interest rate with a lock-in of 7 years. Any suggestion would be really appreciated…
senior citizen?
than SSS , 15 L with 5 yr lockin
Give it to me
Double in 21days