How To Invest Money Without Risk In India

Introduction : Investing money is the best way to grow your wealth. The more you invest, the more you will be able to earn and spend on things you need or want. However, investing money can be risky because it involves taking on risk. That’s why we’ve put together this list of 10 ways to invest money without any risk:

Bank Deposit

  • Bank Deposit

A bank deposit is a safe investment option. It allows you to invest your money in FD, RD and FCNR (B) accounts. This means that you can earn interest on your deposits with the help of banks and other financial institutions.

You can withdraw or transfer the amount whenever you want it to be withdrawn or transferred back into your account depending on how much time has been passed since this transaction took place between both parties involved in this transaction (you).

Post Office Deposit

Post Office Deposit

You can invest in Post Office Deposit (POT) through your post office or bank. The interest rate is 8.5% per annum and you can choose to deposit the amount for 6 months to 5 years.

The minimum deposit amount is Rs.1000 and maximum deposit amount is Rs.1 lakh

Gold and Silver

Gold and silver are a good investment option as they can be used as a hedge against inflation, global financial crisis and stock market volatility.

Gold is an excellent store of value due to its rarity, divisibility and durability. Gold was first used by ancient Egyptians as early as 3200 BC but it is more than 5,000 years old!

Gold has been treasured for centuries because of its beauty and power to inspire awe in others who see it shine in nearly every colour under sunlight or electric light.

The colour of this precious metal ranges from white through yellowish browns (golden) all the way into deep reds (amethyst).

A pure gold nugget weighs about 20 grams while an alloyed piece may weigh less than half that amount – around 11 grams depending upon purity level

National Savings Certificates (NSC)

NSCs are issued by the National Savings Certificates Fund (NSCF) and can be used to invest money in a variety of financial instruments. They’re also known as “National Savings Bonds” or “NSS”.

The state-owned banks that issue NSCs include SBI, Punjab National Bank, Canara Bank, Union Bank of India and State Bank of India.

Each denomination has a different interest rate: Rs 1,000 is 10% per annum; Rs 500 is 8%; while Rs 100 earns 6%.

The difference between these rates will depend on where you live – for example if you live in Uttarakhand it’ll have higher interest rates than someone who lives in Punjab!

The main advantage with investing through an NSC over other types such as fixed deposit accounts or mutual funds lies in its accessibility and anyone can open one without having any prior experience whatsoever!

Kisan Vikas Patra (KVP)

Kisan Vikas Patra is a tax-free bond issued by the Government of India to provide social security for farmers. This bond can be redeemed after 5 years and has a maturity period of 5 years.

If you invest in this scheme, you will get interest on your investment which is higher than bank rates or other savings instruments available in market.

The most important feature of this scheme is that it offers liquidity at any time and places without any restrictions or limits on the amount invested by an individual investor.

Life Insurance Policies

Life insurance policies are a low-risk investment. They’re long-term investments that can be used for financial goals like education, marriage or retirement.

The best part of life insurance is that it’s FDIC insured and backed by the federal government .So you’ll get your money back if you ever have to cash out your policy.

Plus, there are some great benefits to taking out a term policy:

  • You won’t have to pay any upkeep costs on these types of savings accounts since they’re already paid off (and not growing) by the time you need them for something else; this means more free cash in hand!

By investing in these ways you can invest money without risk

  • By investing in these ways you can invest money without risk.
  • Bank deposit: You can open a bank account at any of the following banks to get a fixed deposit (FD) with a fixed interest rate. The FD will mature after 3 years, but there is no exit option if you want to withdraw your principal amount before maturity.
  • Post Office Deposit: If you don’t have any other options, then go for this one because it provides guaranteed returns as well as flexible withdrawal options after maturity of tenure period (6-12 months). What are these options? You can either take cash or use it to purchase gold coins/bars and other precious metals items like silver bars etc., which gives another way of making money out of stocks too!


For people who are interested in investing money but don’t know how, we’ve put together 10 ways to do it without any risk at all.

You can start with something small like saving up your spare change or putting some extra cash away each month.

If you’re looking for more advanced options that allow you to grow your investments over time, then check out our article on how much capital is required before investing into stocks (or other risky ventures).

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