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Which is the best investment options in India for middle class?

The financial crisis of 2008 and 2009 wiped out savings and pensions for millions of people, but it did not stop India’s middle class from saving money. Now, with the economy recovering, the time is ripe for a new wave of savings. The stock market remains volatile, interest rates remain low and there are a variety of investment options for the middle class to choose from. Here are the best investment options available for the middle class today.

5 best Investment option in India for middle class

1. Fixed Deposits:

They are the most popular form of fixed income investment option in India. You can invest your money in any bank in India and get a fixed rate of interest. If you want more security, you can invest in GICs and DIPs (deposit-linked investments). If you have a longer term view, you can also invest in Sukanya Samriddhi Yojana, which gives you returns on the invested amount every year. The government will be adding more money to the scheme, so expect even higher returns in future. 

2. Mutual Funds:

Mutual funds have been around for many years and provide a great way to invest in stocks or bonds at low costs. Most mutual funds are run by financial institutions such as banks and insurance companies. Their advantages are that they are very diversified, which means that their risk profile is lower than those of pure equity investments. Another benefit is that fund managers use low-cost capital to acquire securities. This makes investing through them relatively cost effective. The best thing about mutual funds is that they give investors access to professional investment management, at a reasonable cost. These funds offer good long term returns with low volatility.

3. Gold:

Gold has historically been a great hedge against inflation. Although it doesn’t provide much income, it does make a good store of value and a relatively safe haven during times of crisis. Its main drawback is that it is very volatile, which can lead to big losses. Buying gold through ETFs or buying an actual gold coin or bar is one way to avoid the risks associated with having your wealth tied up in physical gold.

4. Real Estate:

Real estate offers another way to diversify. However, you will need to do your own research before deciding whether this is the right choice for you. If you are thinking about investing in real estate, consider the type of property that you are looking at and understand what is required from the legal side. You might be happy to invest in residential property or land, but if you are considering purchasing commercial property, you will need to do more homework. Look into your local laws, rules and regulations to see what you are allowed to do.

5. Business & Stock Market:

If you want to start making serious money, investing in business can be a good way to go. Even if you don’t have a lot of experience, there are still ways to get involved with business. You can invest in stocks or own some form of business contract. Either way, you will have to understand what it takes to make money in this area. There are many different types of businesses, and you might want to look into one that suits your interests.


No matter how you choose to invest, it’s always a great idea to start. Make sure to look around and determine what would be best investment option is for you. You can use the internet to help make a decision and find other people who have already invested and make yourself feel less nervous. Once you’ve made a decision, it’s time to begin investing!