Best Investment Options in India to Earn One Crore in 5 Years

If you are looking at investment policies offering INR 1 Crore in 5 years, we talk about some excellent plans in this post to help you choose the best one and reach your goal. However, it is important not to get swayed. Doing proper research and taking advice from financial or insurance advisors is important. Learn about such plans in this post.

How to Earn 1 Crore in 5 Years in India
Have a look at some of the top investment options in India that have the potential to generate significant returns over 5 years or more:
1. Equity Mutual Funds:
Mutual funds, as the name suggests pool money from multiple investors and invests in a diversified portfolio of bonds, stocks, and other types of securities. These are so far the best investment option in India to earn 1 crore in 5 years. The best options to consider for high mutual fund interest rates are HDFC Mutual Fund, Kotak Mahindra Mutual Fund, SBI Mutual Fund, and ICICI Prudential Mutual Fund. You may also use a mutual fund calculator to check the best mutual funds for profitable returns in 5 years.
2. Real Estate:
Be it a residential or commercial property, a real estate investment can help you fetch lucrative rental and capital appreciation. Do careful research before investing in real estate, because several factors may fluctuate the price of real estate, such as location, government policies, and economic inflammation scenarios.
3. Gold:
With the gold price sky-rocketing day by day, it does make sense to invest in gold to earn one crore in 5 years. It is so far, the safest way to invest your hard-earned money to get assured high returns. The choice is yours, whether you want to invest in pure gold or gold ETFs or Exchange Traded Funds such as ICICI Prudential Gold ETF, Kotak Gold ETF, and HDFC Gold ETF.
4. Fixed Deposits and Bonds:
Considered to be the lowest-risk investment plans, fixed deposits and bonds can also help you accumulate 1 crore in five years. The main difference between bond and fixed deposit is that the former offer a higher return as compared to the latter. But both help you save money for a specific period with low risks.
5. Cryptocurrencies:
Off late, cryptocurrency has gained popularity to generate high returns for investments made over some time. However, ensure you research well about the type of cryptocurrency you want to invest in because these also come with the highest risk. Some cryptocurrencies that are in high demand in India are Bitcoin, Solana, Binance Coin, Ethereum, and Dogecoin.
Which Instrument Saves Tax in 5-Year Investment Schemes?
Apart from the above-mentioned investment options, you can use tax-saving instruments to save a huge chunk of money for 5 years. The best part about these schemes is that they help you gain tax exemptions. Here is a list of popular tax-saving instruments in India:
- Public Provident Fund or PPF
- HDFC Tax Saver Fund
- National Pension System
- SBI Magnum Tax Gain Scheme
- Axis Long-Term Equity Fund
How to Reduce Expenses and Maximize Savings?
While you aim to earn more than 1 crore in 5 years, do not forget that you also need to check your expenses to collect that much money. So, here are some tips to reduce expenses and maximize savings for long term:
1. Smart Planning for the Future:
The key to saving money for the coming years is by planning smart right away. Look for investments at an early stage to reap higher returns in future. Smart financial planning helps to provide a cushion for emergency expenses in future.
2. Well-Planned Budget:
Do not forget to chart out a well-planned budget to keep track of your expenses. The aim should be to narrow down expenses by figuring out what can be avoided to save money.
3. Avoid Impulsive Shopping:
Most of us indulge in impulsive shopping that wastes a lot of money. So, avoid buying things that you don’t need and will disrupt your budget.
4. Debt Reduction:
Try not to take debt if you wish to save 1 crore in 5 years. Debts come with higher returns and can drain out your savings.
FAQs: Best Investment Options in India 2023
If you aim to get 1 crore in 5 years, then you must invest approx. Rs. 117,000 monthly to reap an annual return of 12%.
Try investing in the following schemes and plans to become a Crorepati in 5 years in India:
~ PPF
~ NPS
~ ELSS Tax Saving Mutual Funds
~ FD
A good idea to double your money in 5 years in India is by investing in long-term mutual funds because they offer an interest rate that ranges between 12 – 15%. The other profitable investment that can help you double your money in the next five years is by investing in Kisal Vikas Patra or KVP.
According to experts, National Savings Certificates or NSC are the best investment for a tenure of 5 years. With an NSC, one can expect a 7% annual interest, but the whole amount is payable only at the time of maturity.
The following tips will help you save a huge amount of money for the next 5 years:
~ Early investments
~ Investments in mutual funds
~ Tight budget planning
~ Spending less and saving more
~ Recording all your expenses

Author Bio
Paybima Team
Paybima is an Indian insurance aggregator on a mission to make insurance simple for people. Paybima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. Paybima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
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