Have a lump sum amount that you want to invest smartly? Whether it’s a work bonus, a maturity payout, or an inheritance, the goal is usually the same: grow it. That’s where choosing the best one time investment plan with high returns becomes crucial.
Unlike monthly investments, a one time investment plan allows you to invest a large sum at once, letting it work for you from day one. If you choose the right instruments, you can maximise returns, build wealth, and still enjoy flexibility.
In this guide, we’ll explore the best investment plans with high returns in India for one-time investments, along with how to decide what’s right for you.
What Is a One Time Investment Plan?
A one time investment plan is any financial product that allows you to invest a lump sum amount in a single transaction. Instead of committing to monthly payments like SIPs or RDs, your entire capital is invested upfront, and it begins earning returns immediately.
These plans are ideal for:
- Investors with surplus funds
- People looking for long-term wealth creation
- Those who want to avoid the hassle of recurring contributions
Top One Time Investment Plans With High Returns
1. Equity Mutual Funds (Lump Sum Investment)
- Returns: 10%–15% (long-term average)
- Risk: High
- Lock-in: None (unless ELSS)
- Taxation: LTCG at 10% beyond ₹1 lakh/year
Why it works: If you have a 5+ year horizon and can tolerate short-term volatility, equity mutual funds offer one of the best high-return investment options in India. You can invest a lump sum and let it grow with the market.
Pro Tip: If you’re concerned about timing the market, invest in a liquid fund first and switch to equity in intervals via STP (Systematic Transfer Plan).
2.ULIPs (Single Premium Unit Linked Insurance Plans)
- Returns: 6%–12% depending on fund performance
- Risk: Moderate
- Lock-in: 5 years
- Taxation: Maturity tax-free under Section 10(10D) (conditions apply)
Why it works: ULIPs offer dual benefits, market-linked returns + life cover. With one-time premium options, you get flexibility and discipline in one plan. Ideal for long-term financial goals with protection built-in.
3. Real Estate (Long-Term Holding)
- Returns: Capital appreciation + rental income
- Risk: Moderate to high
- Liquidity: Low
- Taxation: LTCG at 20% with indexation
Why it works: A lump sum investment in real estate, particularly in emerging Tier-2 or Tier-3 cities, can yield strong long-term returns. Though illiquid, it offers physical asset value and passive income.
4. Direct Equity (Stock Market)
- Returns: 12%–20%+ (with the right picks)
- Risk: Very high
- Lock-in: None
- Taxation: Same as equity mutual funds
Why it works: If you have the experience and appetite, investing directly in quality stocks can generate exceptional long-term returns. Think of companies with strong fundamentals and growth potential.
Important: Diversify and avoid putting all your money in a few stocks.
5. ELSS (Equity Linked Savings Scheme)
- Returns: 10%–14% (market-linked)
- Lock-in: 3 years
- Taxation: Eligible under Section 80C + LTCG at 10%
Why it works: ELSS is the only mutual fund category that gives both tax savings and high returns. With the shortest lock-in among tax-saving options, it’s perfect for wealth building + tax efficiency.
6. NPS (National Pension System)
- Returns: 8%–10% (blended equity-debt)
- Lock-in: Till age 60
- Tax Benefits: Extra ₹50,000 deduction under Section 80CCD(1B)
Why it works: For retirement-focused investors, a one-time investment in NPS helps grow a corpus with low cost and high tax efficiency. Ideal for salaried and self-employed individuals planning for the future.
7. Digital Gold
- Returns: Depends on gold prices (average 7%–9%)
- Risk: Low to moderate
- Liquidity: High
- Taxation: LTCG at 20% after 3 years
Why it works: With geopolitical uncertainties, gold remains a hedge against market volatility. A one-time investment in digital gold can add diversification to your portfolio.
How to Choose the Right High-Return Plan
Ask yourself:
- What is your investment horizon? (3, 5, or 10+ years)
- Can you take market risk? Equity gives high returns but needs patience
- Do you need tax savings? ELSS, NPS, ULIPs qualify under Section 80C
- Do you want liquidity or lock-in? Pick accordingly
- Is life cover a factor? Choose ULIPs or term-linked hybrid plans
Things to Keep in Mind
- Don’t chase returns blindly, high return = high risk
- Diversify your lump sum, split across 2–3 instruments for balance
- Match plan to purpose, don’t use long-term plans for short-term needs
- Use calculators, mutual fund, ULIP, and NPS calculators help project growth
- Revisit annually, even one-time investments should be reviewed regularly
Final Thoughts
With the right research, a clear goal, and a bit of guidance, your lump sum can become the foundation of long-term financial success.
From mutual funds and ULIPs to stocks, real estate, and NPS, India offers multiple high-return options, you just need to match them to your financial goals and risk profile.
Start smart. Stay committed. And let time multiply what you’ve invested.