4 min
09-May-2025
Doubling your money might sound ambitious, but with the right strategy and discipline, it's absolutely achievable. Whether you're a cautious saver or a growth-focused investor, there's a plan for you. The key is to match your investment to your risk appetite, liquidity needs, and long-term goals.
Let’s explore 6 reliable ways to double your money—from government-backed schemes to market-linked options.
For web:-
High-growth potential but with higher risk
Requires research, timing, and long-term perspective
SIPs can help average out market volatility
Risk tolerance – Are you comfortable with market fluctuations?
Investment horizon – Short-term vs long-term goals
Liquidity – Will you need access to your money soon?
Tax efficiency – Tax-saving options like PPF or NSC reduce your burden
Inflation protection – Ensure your returns beat inflation
Diversification – Spread your investments across multiple asset classes
Regulatory safety – Choose SEBI- or RBI-regulated products
Goal alignment – Are you investing for a specific life milestone?
Plan smart. Invest secure.Whether you are saving for your child’s education or a future home, a Fixed Deposit can give you peace of mind and guaranteed growth. Open an FD today.
Calculate your expected investment returns with the help of our investment calculators
Let’s explore 6 reliable ways to double your money—from government-backed schemes to market-linked options.
1. Public Provident Fund (PPF)
The PPF is a long-term savings tool backed by the Government of India. With an interest rate of around 7.1% compounded annually and tax-free returns, it's ideal for conservative investors.- Tax benefits under Section 80C
- Returns are fully exempt from tax
- Lock-in period of 15 years with partial withdrawals after 5 years
- Safe and predictable over the long term
2. National Savings Certificate (NSC)
NSC is a 5-year fixed-income investment available at post offices. With interest compounded annually and paid at maturity, it's a safe medium-term plan.- Eligible for deduction under Section 80C
- Low-risk and backed by the government
- Suitable for individuals who want to grow their capital securely
3. Kisan Vikas Patra (KVP)
KVP guarantees to double your money in 115 months (~9.5 years), with a fixed interest rate. It’s simple, secure, and ideal for people seeking assured returns.- No tax benefits, but capital safety is guaranteed
- Available at select post offices
For web:-
Topic | Mandatory/ Optional | Char Limit | Content to update on page |
Heading Text | Mandatory | 90 Char | Highest Credit Ratings | Trusted with 1.4 million Deposits | Assured Returns on FD |
CTA Text | Mandatory | 40 Char | Open FD |
CTA Link | Mandatory | https://www.bajajfinserv.in/webform/Deposit/depositLandingPage#fd | |
Nudge 1 | Mandatory | New Product Launch | |
Title 1 (Rate of Interest) R1 | Mandatory | 17 Char | Bajaj Finance FD Max |
Value | 10 | Up to %$$FDMAX-senhighest-interestFD$$% p.a. | |
Title 2 (Min. Deposit) R1 | Mandatory | 17 Char | Flexible Tenure |
Value | 10 | 12-60 months | |
Title 3 (Min. Tenor) R1 | Mandatory | 17 Char | Deposit Amount |
Value | 10 | %$$FDmindepositFD$$% to %$$FDMAXmaxdepositFD$$% | |
Nudge 2 | Mandatory | Only on Website and App | |
Title 1 (Rate of Interest) R1 | Mandatory | 17 Char | Bajaj Finance Digital FD* |
Value | 10 | Up to 8.40% p.a. | |
Title 2 (Min. Deposit) R1 | Mandatory | 17 Char | Tenure |
Value | 10 | %$$FDmaxintresttenureFD$$% | |
Title 3 (Min. Tenor) R1 | Mandatory | 17 Char | Deposit Amount |
Value | 10 | %$$FDexistingmindepositFD$$% to %$$FDnewmaxdepositFD$$% | |
Nudge 3 | Mandatory | Regular FDs | |
Title 3 (Senior Citizen) R2 | Mandatory | 17 Char | Interest Rate* |
Value | 10 | Up to 8.25% p.a. | |
Title 1 (Max Deposit) R2 | Mandatory | 20 Char | Flexible Tenure |
Value | 12-60 months | ||
Title 2 (Max Tenor) R2 | Mandatory | 20 Char | Deposit Amount |
Value | %$$FDexistingmindepositFD$$% to %$$FDnewmaxdepositFD$$% | ||
Title 1 (Rate of Interest) R1 | Mandatory | 17 Char | Bajaj Finance FD Max |
Value | 10 | Up to %$$FDMAX-senhighest-interestFD$$% p.a. | |
Title 2 (Min. Deposit) R1 | Mandatory | 17 Char | Flexible Tenure |
Value | 10 | 12-60 months | |
Title 3 (Min. Tenor) R1 | Mandatory | 17 Char | Deposit Amount |
Value | 10 | %$$FDmindepositFD$$% to $$FDMAXmaxdepositFD$$% | |
Field 1 | Enter your mobile number | ||
Field 2 | Please enter your 10-digit mobile number to proceed | ||
Disclaimer text | Mandatory | By proceeding, you agree to ourTerms and Conditions | |
XF Path | /content/experience-fragments/bajajfinserv/web/in/en/investment/deposits/fd/form-widget/master |
4. Real Estate
Real estate can be a powerful wealth-building tool when chosen wisely. While initial investment is high, long-term appreciation and rental income make it a viable strategy to double your capital.- Long-term value growth in urban locations
- Generates passive income through rent
- Requires thorough due diligence and patience
5. Tax-Free Bonds
Issued by government-backed institutions, these bonds provide tax-free interest income and are ideal for risk-averse, long-term investors.- Interest is tax-exempt under Section 10(15)
- Typical returns: 6%–7% annually over 10–20 years
- Low default risk
6. Stock Market (Direct Equity or Mutual Funds)
Equities have the potential to double your money in 5–7 years, depending on market performance. Diversified mutual funds and SIPs can make equity investing more manageable.High-growth potential but with higher risk
Requires research, timing, and long-term perspective
SIPs can help average out market volatility
Component – Fixed deposit variants:-
For Web :–Topic | Mandatory/ Optional | Char Limit | Content |
Heading Text <H2> | Fixed deposit variants | ||
Description text | Highest Credit Ratings | Trusted with over 1.4 million Deposits | Assured Returns on FD | ||
Nudge 1 | Mandatory | New Product | |
Text 1 | Mandatory | FD Max | |
Subheading | Mandatory | INTEREST RATES UP TO 7.95% p.a. | |
CTA | Mandatory | Invest Online | |
CTA Link | Mandatory | https://www.bajajfinserv.in/investments/fixed-deposit | |
Text 2 | Mandatory | Digital FDOnly on App/Web | |
Subheading | Mandatory | INTEREST RATES UP TO 7.95% p.a. | |
CTA | Mandatory | Invest Online | |
CTA Link | Mandatory | https://www.bajajfinserv.in/investments/fixed-deposit | |
Text 3 | %$$FDmaxintresttenureFD$$% | ||
Subheading | Mandatory | INTEREST RATES UP TO 7.95% p.a. | |
CTA Text | Mandatory | Open FD | |
CTA Link | https://www.bajajfinserv.in/investments/fixed-deposit | ||
Text 4 | Mandatory | FD - Age below 60 | |
Subheading | Mandatory | INTEREST RATES UP TO 7.95% p.a. | |
CTA Text | Mandatory | Open FD | |
CTA Link | Mandatory | https://www.bajajfinserv.in/investments/fixed-deposit | |
Text 5 | Mandatory | FD - Senior Citizen | |
Subheading | Mandatory | INTEREST RATES UP TO 7.95% p.a. | |
CTA Text | Mandatory | Open FD | |
CTA Link | Mandatory | https://www.bajajfinserv.in/investments/fixed-deposit | |
Text 6 | Mandatory | FD – Special Tenure | |
Subheading | Mandatory | INTEREST RATES UP TO 7.95% p.a. | |
CTA Text | Mandatory | Open FD | |
CTA Link | Mandatory | https://www.bajajfinserv.in/investments/fixed-deposit | |
XF Path | /content/experience-fragments/bajajfinserv/web/in/en/investment/deposits/fd/fd-variant/fd-variant |
Factors to Consider Before You Invest
Before picking the right option to double your money, consider the following:Risk tolerance – Are you comfortable with market fluctuations?
Investment horizon – Short-term vs long-term goals
Liquidity – Will you need access to your money soon?
Tax efficiency – Tax-saving options like PPF or NSC reduce your burden
Inflation protection – Ensure your returns beat inflation
Diversification – Spread your investments across multiple asset classes
Regulatory safety – Choose SEBI- or RBI-regulated products
Goal alignment – Are you investing for a specific life milestone?
Plan smart. Invest secure.Whether you are saving for your child’s education or a future home, a Fixed Deposit can give you peace of mind and guaranteed growth. Open an FD today.
Conclusion
Doubling your money isn’t about luck—it’s about smart, consistent investing. From secure options like PPF, NSC, and FDs to high-growth opportunities like real estate and stocks, there’s a path for every kind of investor. Evaluate your goals, understand the risks, and choose a mix that works for your future.Calculate your expected investment returns with the help of our investment calculators
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