Investment plans

Low-risk investment

Low-risk investment plans focus on capital safety and predictable returns. They are ideal for conservative investors or those looking for stability, steady income, and long-term security with minimal market exposure.

Public provident fund (PPF):

PPF is a government-backed savings scheme offering stable, tax-efficient returns. It suits long-term goals like retirement and wealth preservation, making it one of India’s most trusted low-risk investment plans.

Fixed deposits:

Fixed deposits provide assured returns with minimal risk. You invest a lump sum for a fixed tenure and earn guaranteed interest, making FDs a reliable option for short- to medium-term financial needs.

Recurring deposits (RD):

RDs help build savings through fixed monthly contributions. They are ideal for disciplined savers who want predictable returns without market exposure, especially for short-term goals.

Guaranteed savings plan:

Guaranteed savings plans combine life insurance with assured maturity benefits. They offer predictable returns and financial protection, making them suitable for risk-averse investors seeking stability and security.

Sukanya Samriddhi yojana (SSY):

SSY is designed for a girl child’s future, offering high, government-backed returns. It is a popular long-term savings option for education and marriage planning.

Senior citizen savings scheme (SCSS):

SCSS provides regular income and capital protection for retirees. Backed by the government, it offers higher interest rates and predictable payouts for senior citizens.

National pension scheme (NPS):

NPS is a retirement-focused plan that balances safety and growth. It invests across asset classes while offering tax benefits, making it suitable for long-term retirement planning.

Post office monthly income scheme (POMIS):

POMIS offers steady monthly income with minimal risk. It suits individuals looking for predictable cash flow and capital safety.

National savings certificate (NSC):

NSC is a fixed-income, government-backed investment offering assured returns. It is commonly used for tax saving and low-risk wealth accumulation.

Gold investment:

Gold acts as a hedge against inflation and market volatility. Physical gold, though safe, involves storage costs and price fluctuations.

Real estate investment:

Real estate offers long-term value appreciation and rental income. However, it requires high capital and involves liquidity and market risks.

RBI taxable bonds:

These bonds provide stable interest income backed by the RBI. They are suitable for conservative investors seeking predictable returns without market-linked risks.

Kisan vikas patra (KVP):

KVP is a government savings scheme that doubles your investment over a fixed tenure. It is simple, safe, and ideal for long-term capital protection.

Sovereign gold bonds (SGBs):

SGBs offer gold price appreciation along with fixed interest. They eliminate storage issues and are considered a smarter alternative to physical gold.

Treasury bills (T-bills):

T-bills are short-term government securities with very low risk. They suit investors seeking safety and liquidity for surplus funds.

Floating rate savings bonds:

These bonds offer interest rates linked to prevailing market rates. They provide stable income while adjusting to interest rate changes.

Medium-risk investment

Medium-risk investment plans balance growth and stability. They suit investors who want better returns than fixed-income options while limiting exposure to high market volatility.

Child plans

Child plans combine insurance and investment to fund education or marriage goals. They ensure financial continuity even in unforeseen circumstances.

Pension plans

Pension plans help build a retirement corpus through disciplined savings. They offer moderate growth with long-term financial security.

Monthly income plans (MIPs)

MIPs generate regular income with some exposure to equities. They are suitable for investors seeking income with limited risk.

Hybrid-debt oriented funds

These funds invest mostly in debt with some equity exposure. They aim to provide stable returns with controlled market risk.

Arbitrage funds

Arbitrage funds profit from price differences across markets. They offer relatively stable returns with low equity-related risk.

Exchange-traded funds (ETFs)

ETFs track indices and offer diversification at lower costs. They provide market-linked returns with transparency and flexibility.

Systematic investment plan (SIP)

SIPs allow regular investments in mutual funds. They reduce market timing risk and encourage long-term wealth creation.

Real estate investment trusts (REITs)

REITs let you invest in income-generating real estate without owning property. They offer regular income and diversification.

Bonds (corporate & government)

Bonds provide predictable income with moderate risk. Returns depend on issuer quality and interest rate movements.

Target maturity funds

These funds invest in bonds maturing on a specific date. They offer predictable returns and lower interest rate risk.

Digital gold

Digital gold allows online gold investment without storage hassles. It offers price-linked returns with ease of access.

Infrastructure investment trusts (InvITs)

InvITs invest in infrastructure assets and offer regular income. They suit investors seeking stable returns with moderate risk.

High-risk investment

High-risk investment plans aim for higher returns but involve market volatility. These are best suited for investors with long-term goals and higher risk tolerance.

Unit linked insurance plans (ULIPs)

ULIPs combine life insurance with market-linked investments. They offer flexibility, long-term growth potential, and are often considered among the top investment plans for goal-based planning.

Mutual funds

Mutual funds invest across equities, debt, or hybrid assets. They offer diversification and growth potential but are subject to market risks.

Stock market investments

Direct equity investing offers high return potential. However, it requires market knowledge, patience, and the ability to handle volatility.

Initial public offerings (IPOs)

IPOs allow early investment in companies entering the market. Returns can be high, but risks depend on company fundamentals and market conditions.

Cryptocurrencies

Cryptocurrencies are highly volatile digital assets. They offer high return potential but carry significant regulatory and market risks.

Equity linked savings scheme (ELSS)

ELSS are tax-saving mutual funds with equity exposure. They combine tax benefits with long-term wealth creation, making them popular among growth-focused investors.

Builds a consistent saving habit

Let us be honest — saving money consistently is not always easy. But when you commit to an investment plan, like a ULIP (Unit Linked Insurance Plan) with a 20-year tenure, you are basically training yourself to be disciplined with money.

You set aside a fixed amount regularly, and over time, not only do you build a solid savings habit, but your money also grows. It is like setting up a monthly auto-debit to your future self.

Keeps your financial goals on track

Planning to buy a house in 10 years? Or fund your child’s education? Or maybe retire early and travel the world? Whatever your dreams are, investment plans act as your roadmap.

They help you save and grow your money in a structured way. Plus, with so many types of plans available — long-term, short-term, high-risk, low-risk — you can pick the one that best matches your financial goals and time horizon.

Helps you save on taxes too

Under Section 80C of the Income Tax Act, you can claim deductions of up to Rs. 1.5 lakh for investments in things like life insurance plans, ELSS (Equity Linked Saving Scheme), and PPF. Even better — some plans offer tax-free returns at maturity (thanks to Section 10(10D)), provided they meet the necessary conditions.

So not only are you growing your wealth, but you are also trimming down your tax bill. Win-win!

Prepares you for life’s unexpected twists

Emergencies do not come with a heads-up. Whether it is a medical issue, job loss, or any other curveball life throws your way — having an emergency fund is crucial.

Investment plans can help you build that buffer. You can park funds in liquid investments for easy access or go for insurance-based investment plans to protect your family if something happens to you. Either way, you are covered.

Goal-based investment planning:

Investment plans help you align savings with specific goals like retirement, child education, or home ownership. This focused approach ensures your money grows with purpose, not guesswork.

Attractive tax benefits:

Many investment plans offer tax advantages under applicable sections, helping reduce taxable income while growing wealth. These tax savings improve overall returns and make long-term investing more efficient.

High flexibility:

Top investment plans allow flexibility in premiums, investment choices, and tenure. This adaptability helps you adjust your plan as your income, goals, or life stage changes.

Protection against inflation:

Market-linked and growth-oriented investment plans help your money outpace inflation, ensuring your purchasing power stays strong even as costs rise over the years.

Expert fund management:

Professionally managed investment plans benefit from expert fund managers who actively monitor markets and allocate assets wisely, saving you time and reducing decision-making stress.

Long-term wealth creation:

With disciplined investing and compounding benefits, investment plans are designed to build substantial wealth over time, making them ideal for achieving long-term financial independence.

Set clear financial goals:

Define whether your goal is wealth creation, income generation, or protection. Clear goals help you choose investment plans that match your time horizon and risk appetite.

Aware of all costs and charges:

Understand premium allocation charges, fund management fees, and policy-related costs. Knowing the expenses upfront helps you accurately assess long-term returns.

Assess your family’s financial needs:

Your investment plan should account for dependents, liabilities, and future responsibilities. Plans with protection elements ensure financial security alongside growth.

Explore diversified investment options:

Diversification across asset classes reduces risk and improves stability. Choosing diversified investment plans helps balance market fluctuations over time.

Balance returns with inflation impact:

Always evaluate whether expected returns can beat inflation. Real growth matters more than absolute returns when planning long-term finances.

Evaluate the real returns on investments:

Look beyond projected numbers and assess post-tax, inflation-adjusted returns. This realistic view helps you select investment plans that truly grow your wealth.

How to select the right investment plan?

• Identify your financial goals, time horizon, and risk appetite before exploring the top investment plans available.
• Understand how suitable investment plan options align with life insurance benefits and long-term wealth creation.
• Compare returns, flexibility, charges, and fund options to ensure your plan matches your financial needs.
• Choose plans that offer both protection and growth for balanced, future-ready investing.

Why should you invest in an investment plan?

• Investing helps your money grow through compounding, making long-term goals more achievable.
• It builds financial discipline and ensures regular savings without relying on guesswork.
• Understanding why should you invest clarifies the importance of staying prepared for life milestones.
• Knowing why should you invest in investment plan options highlights the benefits of protection, tax efficiency, and structured wealth creation.

Step 1: Click on Get Quote

Click on Get Quote. You will be asked to enter your mobile number so we can send you a one-time password (OTP).

Step 2: Enter the OTP

Check your phone for the OTP and type it in when prompted. This helps us verify it is you.

Step 3: Fill in your details

Once the OTP is confirmed, you’ll see our application form pop up.

• If you are an existing user, some of your details might already be filled in.
• If you are new, just enter your name, gender, date of birth, email ID, and PIN code.
• Do not forget to tick the checkboxes to proceed.

Step 4: Choose your plan

You will now be redirected to our partner’s page. This is where you can:

• Select the coverage amount
• Choose the policy tenure
• Pick your payment type
• Decide how much you want to invest

Once everything looks good, you can go ahead and complete your purchase.

Age criteria:

• Minimum age: 18 years (for the policyholder).
• Maximum age: 60-65 years (depending on the insurer's policy) for buying a ULIP.

Policy term:

The policy term typically ranges from 5 to 20 years, depending on the ULIP plan.

Premium payment:

You must meet the minimum premium requirements, which may vary based on the insurer and plan chosen. Premiums can be paid annually, semi-annually, quarterly, or monthly, depending on the option available.

Maximum age at maturity:

The maximum age at maturity varies from insurer to insurer, but it generally falls around 70-75 years.

Step 1 - Register your claim request

1. Register the claim request with the insurer through their website, e-mail or by calling their claim assistance contact number.
2. Contact No.: 020-6712 1212
3. Email at: customercare@bajajlife.com

Step 2 - Submit the required documents

Submit the necessary documents along with the duly filled claim form online. You can also submit it to the nearest branch of the insurer.

Step 3 - Claim settlement

The insurer will assess the claim request. The claim initiator will receive the status via e-mail and SMS. The claim initiator can also check it online on the insurer’s website.

Original policy documents.

Age proof, such as PAN card, passport, voter’s ID, birth certificate.

Attested copy of death certificate issued by local municipal authority.

Death claim intimation form downloaded from the Bajaj Life Insurance Limited official website.

NEFT mandate form attested by bank authorities or copy of cancelled cheque or bank account passbook.