Most investment options generally provide a higher rate of returns over longer duration of time. However, most investors prefer those investment options which are for a shorter duration of time as they do not want to keep their money locked-in for an extended period.



The good news is that there are a number of the best saving plans in India which are available in the market today which provide moderate to high gains. Among these, some of the best investment options have been mentioned below -

Fixed Deposits

FDs or Fixed Deposits are considered to be one of the best short-term investment options which are available today. Short-term FD They have have a tenure of 12 to 60 months and give returns of up to 8.75%. Senior citizens get an additional 0.35% against a minimum deposit of Rs. 25000. Many lenders also provide an FD Calculator using which one can calculate the interest rate which one stands to receive at the end of the lock-in period.

Post Office Term Deposits

Post offices offer term deposits having a tenure of 1,2,3, and 5 years. The minimum lock-in period is of six months after which withdrawals are permitted. While the interest rates tend to vary, the current interest rates stand at 6.6-7.4%. Just like fixed deposits, the interest earned is guaranteed.

Company FDs

This is another popular and demanding short term investment option is company FD which are offered by manufacturing companies including NBFCs. These deposits currently offer an interest rate of 7.5%. However, any interest above Rs. 5,000 is treated as taxable income and will be deducted by the company.

Now you know How to Choose Short-Term Investment Options for High Returns? and can get better return on your short term Investment as per your needs.