HomeBlogUncategorizedMaximizing Your Returns: The Best Investment Plans to Consider in 2023

Maximizing Your Returns: The Best Investment Plans to Consider in 2023

Overview: Best Investment Plan 

Everyone wants to earn the maximum interest on their investments with minimum risk of losing their money. This behavior is because everyone wants to reach their financial goal as soon as possible so they can have their dream car, dream house or the life they dream of. But the sad reality in today’s day and age is the possibility of that happening right away is slim. Factors like inflation, lack of great investment assets or volatility of the market makes it difficult for the general public to have the luxury of a stress free path for their financial goals. Having said that, a strategic investment plan in place can increase the possibility of that happening significantly. 

Money Investment plan plays a crucial role in a person’s financial planning where they use their money in a disciplined manner to get higher and more stable returns. Having an investment plan gives a sense of direction and helps in determining the perfect strategy which a person can follow to reach their financial goals at their desired time.

What is a best investment Plan?

Investment plans are financial products that provide an opportunity to create wealth for the future and meet the financial goals by investing periodically in different investment instruments, funds, schemes or different tenure such as best investment plan for 1 year and best investment plan for 5 years

Some of these investment plans in India help us invest our money in different market products in a Dynamic but systematic way to achieve our financial Goal. The 1st step in having a systematic investment plan is to assess your financial Goals and risk appetite and then see what an appropriate plan suits your need.

Some of the Best investment plan in India 2023 includes:

  1. FMPP®

  2. Public Provident FundInvestment

  3. Monthly Income Plan

  4. Mutual Funds

  5. Senior Citizen Savings Scheme

  6. Sukanya Samriddhi Yojana

  7. Tax Savings Fixed Deposits

Let’s talk about each of these instruments in detail:


P2P Lending platform LenDenClub introduced a Fractional Matchmaking Peer-to-Peer Plan Plan (FMPP®), FMPP investors have earned upto 12% p.a. since launch. It Offers investment different tenure with different effects on your investment.

With assuming you’re getting minimum 10% returns on your investment :-

  • 1 year – 10%
  • 2 year – 10.5%t
  • 3 year – 11.03%
  • 4 year – 11.6%
  • 5 year – 12.21%

Public Provident Fund

The Public Provident Fund scheme was introduced by the Finance Ministry’s National Savings Institute in 1968. The PPF scheme is to help individuals make substantial savings and provide returns on the savings. The PPF offers a rate of interest which is non taxable on the returns which are generated.

Monthly Income Plan

Monthly Income Plans, known as MIPs, are debt-oriented hybrid mutual funds that give a fixed return every month to the investor.

Mutual Funds

A mutual fund is a tool where money from investors is invested in securities such as stocks, bonds, and short-term debt.

(SCSS) Senior Citizen Savings Scheme

The Indian government offers the Senior Citizens Savings Scheme that assists senior citizens in saving and receiving quarterly interest payments.

Sukanya Samriddhi Yojana

An Indian backed saving scheme targeted at the parents of girl children. The scheme helps parents who want to build a fund for the future education of their girl child.

Tax Savings Fixed Deposits

A Tax-Saving Fixed Deposit is a scheme through which you get tax deductions under Section 80C of the Income Tax Act, 1961.

Best Investment Plans Online in India

Doing proper research and choosing the best investment plan with high returns, which offers long-term sustainable returns, capital appreciation, tax-saving benefits and fits your risk appetite before making an investment is essential practice. Here we have categorized different investment plans:

High-Risk Investment

High-risk investment plans are suitable for those who have a high-risk appetite and whose main focus is to have long-term capital growth. Most high-risk investment plans include substantial Volitatity. the chances to create a huge possible return in the long-term is very likely. Some of the high-risk investment plans available in the market.

  • Debt Mutual Funds

  • Direct Equity

  • Equity Mutual Funds

  • Unit Linked Investment Plans (ULIPs) parts.

Low-risk Investment

Investors with a low-risk appetite who can’t handle volatility in their investment portfolio chooses to invest in low-risk type investment options. These investment plans provide a reliable and stable growth of capital with minimum risk involved. Though these investments usually offer almost guaranteed returns, the investors may need to seal their money for the long-term, no liquidity, to earn a substantial return. Some of the best low-risk investment options.

  • Public Provident Fund 

  • Senior Citizen Savings Scheme 

  • National Pension Scheme

  • Pradhan Mantri Vaya Vandan Yojana

  • Bank Fixed Deposits

  • Gold

  • Sukanya Samriddhi Yojana

  • RBI Taxable Bonds

Medium Risk Investment

Medium risk investment includes investment plans which have balanced and diversified investment. Medium risk investment plans provide an opportunity for growth as well as take care of the market volatility on a moderate level. Some of the common medium risk investment plans are.

  • Monthly Income Plans

  • Hybrid-Debt Oriented Funds

  • Arbitrage Funds

  • FMPP®

Why FMPP is a great choice for investment planning

FMPP® is a non-market linked investment plan from LenDenClub that has no volatility risk of the market and manages to gives sustancial high returns.

  • A family of more than 2 million people
  • AI-powered Auto investment
  • Allows diversification and reduces risk
  • Screens borrower’s profile through 200+ data points to reduce the risk of default.
  • FMPP investors have earned upto 12% p.a. since launch
  • Market-risk free returns

Hop on the bandwagon with 2 million+ investors. Register now!

LenDenClub is India’s largest alternate investment platform which started operations in India in 2015. We have been helping investors diversify their investments beyond traditional investment instruments ever since.



The Reserve Bank of India does not accept any responsibility for the correctness of any of the statements or representations made or opinions expressed by Innofin Solutions Private Limited, and does not provide any assurance for repayment of the loans lent through its platform.

LenDenClub is an Intermediary under the provisions of the Information Technology Act, 2000 and virtually connects lenders and borrowers through its electronic platform via the website and/or mobile app.

The lending transaction is purely between lenders and borrowers at their own discretion, and LenDenClub does not assure loan fulfilment and/or investment returns. Also, the information provided on the platform is verified or checked on the best efforts basis without guaranteeing any accuracy of the data/information verification. Any investment decision taken by a lender on the basis of this information is at the discretion of the lender, and LenDenClub does not guarantee that the loan amount will be recovered from the borrower, fully or partially. The risk is entirely on the lender. LenDenClub will not be responsible for the full or partial loss of the principal and/or interest of lenders’ investment amounts.


*P2P investment is subject to risks. And investment decisions taken by a lender on the basis of this information are at the discretion of the lender, and LenDenClub does not guarantee that the loan amount will be recovered from the borrower.

** Average value mentioned is the weighted average of returns received by investors

© 2023 LenDenClub by Innofin Solutions Private Limited | CIN: U74999MH2015PTC266499


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