Fixed Deposits (FDs): Fixed deposits banks mein ek popular tareeka hai jisme aap apne paise ko kuch samay ke liye fix kar dete hain aur uske badle mein aapko fixed interest milta hai. Aapko FDs ke liye higher interest rates offer karne wale banks ko chunna chahiye.
Recurring Deposits (RDs): RDs bhi ek acha tareeka hai jisme aap har mahine ek fixed amount deposit karte hain aur uske baad maturity par aapko principal amount ke saath interest milta hai.
High-Interest Savings Account: Kuch banks high-interest savings accounts offer karte hain jismein aapko normal savings account se zyada interest milta hai. Aapko apne area ke banks mein se highest interest rate wale account ko choose karna chahiye.
Government Schemes: Kuch government schemes hote hain jo aapko high interest rate dete hain, jaise ki Senior Citizen Savings Scheme (SCSS), Post Office Monthly Income Scheme (POMIS), etc.
Corporate Fixed Deposits: Kuch companies apne fixed deposits offer karte hain jo bank FDs se zyada interest rate dete hain. Lekin, inme invest karte waqt company ka financial health aur reputation ka bhi dhyan rakhna important hai.
Mutual Funds: Equity-oriented mutual funds mein invest karke bhi aapko achha return mil sakta hai. Lekin, isme risk bhi hota hai, aur market ke fluctuations ka asar hota hai.
Real Estate: Real estate mein invest karke bhi aapko appreciation aur rental income mil sakti hai. Lekin, isme bhi market ke changes ka dhyan rakhna important hai.
Stock Market: Stock market mein invest karke bhi aapko high returns mil sakte hain, lekin isme risk bhi zyada hota hai. Stock market mein invest karne se pehle acchi tarah research karein ya professional advice lein.
Gold Investments: Sone ya chandi mein invest karna bhi ek option ho sakta hai. Aap gold bars, coins, ya jewelry mein invest kar sakte hain. Lekin, isme bhi market fluctuations ka dhyan rakhna important hai.
Peer-to-Peer Lending (P2P): P2P lending platforms aapko borrowers ke beech direct lending karne ka mauka deti hain. Aap apne paise ko multiple borrowers ke beech distribute karke interest earn kar sakte hain. Lekin, isme risk bhi hota hai, aur aapko borrower ke creditworthiness ko evaluate karna padta hai.
National Pension System (NPS): NPS ek retirement savings scheme hai jo long-term wealth creation ke liye suitable ho sakta hai. Isme equity aur debt dono options available hain, aur government ke dwara regulated hai.
Tax-Saving Fixed Deposits: Kuch banks tax-saving fixed deposits offer karte hain jisme aap apne paise ko lock-in period ke liye fix karke tax benefits ke saath interest earn kar sakte hain.
Systematic Investment Plans (SIPs): Mutual funds mein SIPs ke through aap regular intervals par small amounts invest kar sakte hain. SIPs aapko market volatility se bachne mein madad karte hain.
Real Estate Investment Trusts (REITs) aur Infrastructure Investment Trusts (InvITs): Ye investment options market mein naye hain. REITs mein aap real estate ke projects mein invest kar sakte hain, jabki InvITs infrastructure projects mein investment provide karte hain.
Sukanya Samriddhi Yojana (SSY): Agar aapke paas ek beti hai, toh aap SSY mein invest karke uske liye achhi shiksha ya shaadi ke liye paisa jama kar sakte hain. Isme fixed interest rate hota hai aur tax benefits bhi milte hain.
Corporate Bonds: Kuch companies bonds issue karti hain jisme aap invest karke fixed interest earn kar sakte hain. Lekin, company ke creditworthiness ka dhyan rakhein.
Sukanya Samriddhi Yojana (SSY): Agar aapke paas ek beti hai, toh aap SSY mein invest karke uske liye achhi shiksha ya shaadi ke liye paisa jama kar sakte hain. Isme fixed interest rate hota hai aur tax benefits bhi milte hain.
National Savings Certificate (NSC): Ye ek government-backed savings scheme hai jisme aap apne paise ko fixed tenure ke liye invest karte hain aur uske against fixed interest milta hai. Ismein invest karte waqt aapko tax benefit bhi mil sakta hai.
Small Saving Schemes: Government ke dwara offer kiye jaane wale small saving schemes jaise ki Public Provident Fund (PPF), Kisan Vikas Patra (KVP), aur Senior Citizens Savings Scheme (SCSS) bhi ek secure tareeka hai jyada interest prapt karne ka.
Post Office Monthly Income Scheme (POMIS): Post Office ke dwara offer kiya gaya ye scheme monthly income provide karta hai. Aap ek fixed amount invest karte hain aur uske against monthly interest milta hai.
Pradhan Mantri Vaya Vandana Yojana (PMVVY): Ye scheme specially senior citizens ke liye hai jisme aap ek lump sum amount invest karte hain aur regular pension milta hai. Isme fixed interest rate hota hai.
Employee Provident Fund (EPF): Agar aap ek salaried employee hain, toh aap apne EPF account mein invest kar sakte hain. Ismein aapki monthly salary ka ek hissa contribute hota hai jo interest ke saath grow hota hai.
Gold Monetization Scheme: Is scheme mein aap apne sone ya chandi ko bank mein deposit karke interest earn kar sakte hain. Jab aap apne gold ko bank mein deposit karte hain, toh aapko uske against interest milta hai.
Systematic Deposit Plan (SDP): Kuch banks SDP offer karte hain jisme aap fixed amount ko fixed tenure ke liye deposit karte hain aur uske against fixed interest milta hai.
Bima Yojanayen: Kuch bima yojanayen bhi aapko investment ke liye ek vikalp pradan karti hain. Jaise ki, endowment plans, money-back policies, aur unit-linked insurance plans (ULIPs). Ye policies aapko coverage ke saath-saath investment bhi deti hain.
Fixed Maturity Plans (FMPs): Ye ek tarah ke debt mutual funds hote hain jo fixed tenure ke liye launch kiye jaate hain. Inmein invest karke aap fixed interest rate prapt kar sakte hain.
Nivesh yojanayen: SIPs (Systematic Investment Plans) aur SWPs (Systematic Withdrawal Plans) ke madhyam se mutual funds mein invest karna bhi ek acha vikalp ho sakta hai. SIPs ke through aap regularly small amounts invest kar sakte hain, jabki SWPs ke through aap apne mutual fund investments se periodically fixed amounts withdraw kar sakte hain.
Real Estate Crowdfunding: Agar aap real estate mein invest karna chahte hain lekin directly property purchase nahi kar sakte, toh real estate crowdfunding platforms ke through aap small amounts mein multiple properties mein invest kar sakte hain.
Direct Equity Investments: Agar aap stock market mein invest karne ke liye taiyar hain, toh directly individual stocks mein invest karna ek option ho sakta hai. Lekin, stock market mein invest karte waqt risk ka dhyan rakhna important hai.
Cryptocurrency: Cryptocurrency market mein invest karna ek relatively naya concept hai. Bitcoin, Ethereum, aur doosre cryptocurrencies mein invest karke aap high returns prapt kar sakte hain, lekin ismein risk bhi zyada hota hai.
Bachat Khate: Kuch banks bachat khate offer karte hain jismein aapko fixed period ke liye lock karke achha interest milta hai. Yeh ek safe investment option ho sakta hai.
Gold ETFs (Exchange Traded Funds): Gold ETFs market mein maujood hain jo directly physical gold ke price se judi hote hain. Inmein invest karke aap gold ke movements ke hisab se profit earn kar sakte hain.