Best investment plans in India to earn one Crore

Best investment plans in India to earn one Crore, Best investment plans in India

Best Investment Plans in India to earn one Crore

I have a dream of earning one Crore and I am trying all possible options to achieve this faster. What are the best investment plans in India to earn one Crore? Is it possible to achieve this dream with small savings? To earn one Crore, how much we should save a month. I keep asking this question to me a number of times.

In the last 2 weeks, my mail box is flooded with mails asking, is it possible to grow my money to one Crore, or can we grow money for my children education with Rs 5,000 per month to make to 30 lakhs in 10 years etc. This article should answer all such questions.

Best Investment Plans in India to earn one Crore

  1. Best blue chip stocks to buy: This was one of the highest viewed articles in 2012 on my blog. Top 10 best stocks to buy can double your investment in a period of 3 to 5 years. Investment in such stocks can be done regularly instead of a single investment. With this option, there would be greater possibility of increasing the investment value. If you invest Rs 20,000 per month in stock market in blue chip stocks, you can earn one Crore in 10 years assuming that you would get 25% annualized returns for long term of 10 years. I feel this is a best investment plan in India to grow money faster.
  2. Investment in sector based mutual funds: Pharma and FMCG sector based mutual funds has been providing 30%+ annualized returns over the past few years. This is a good investment plan for high risk and high return investors. If you invest Rs 14,000 per month for 10 years, you would earn one Crore. Sector based mutual funds would be very high risk as they concentrate on specific sector.  
  3. Best large cap mutual funds: While there are several mutual fund schemes, there are large cap mutual funds where there is greater possibility of growing our money. The average returns on mutual funds in the last 10 years are 20%. This is one of the best investment Plans in India with less risk. If you invest Rs 27,000 per month in such mutual funds, your money would grow to one Crore.
  4. Best diversified mutual funds: Like large cap mutual funds and diversified mutual funds also has greater possibility of growing our money. The average returns on mutual funds in the last 10 years are 20%. If you invest Rs 27,000 per month in such mutual funds, your money would grow to one Crore. With diversified mutual funds, the risk would get diversified which makes it as a best investment plan in India.
  5. Best Bank fixed / recurring deposits: This is one of my favorite best investment plans. All FD’s are not same. There are best bank fixed/recurring deposits where you can become crorepathi in 10 years period. You need to invest Rs 50,000 per month in such fixed deposit schemes to earn one Crore in 10 years.
  6. Best company fixed deposits: Company fixed deposits would provide higher returns comparing to bank fixed deposits. However one has to be little cautious when investing in such company fixed deposits. These are high risk, high return investments. You can invest Rs 43,000 per month for a return of 12.5% p.a. to earn one crore in 10 years. This can be added as part of the portfolio to smaller portion. With the very high risk involved in these schemes, I am not considering this is a best investment plan in my personal investment portfolio.
  7. Investment in gold: Who does not love gold? Do you know that investment in gold has provided 25% returns in the last few years? If you invest Rs 22,000 a month in gold ETF’s for next 10 years, you would earn one Crore. This is one of the best investment plans for every Indian.
  8. Investment in IPO’s: IPO investments in 2011 were bad. However in 2012, Investment in IPO’s (considering investment is done in all IPO’s in 2012), has provided 45% returns. I agree that they may not be consistent every year, but there is greater possibility of multiplying your money if you invest in the IPO’s. This can be considered as one of the best investment plans in your portfolio.
  9. Investment in Silver: When I discussed this with couple of my friends, everyone has laughed at me. But when I have written an article about “Silver as an investment option”, everyone has started thinking about this. It may take some time for us to digest that this can be treated as one of the best investment plans.
  10. Investment in real estate: This is one of the investment option, where I could not make much investment in the last few years and I am regretting now. Investment in real estate for long term period of 10 years can definitely help you to reach your goal to earn a Crore. Out of all the best investment plans, this would be the best one.

Conclusion: Above best investment plans can help you to reach your goal of one Crore in 10 years. However instead of investing in single investment option, diversify your investments into multiple options to reach your one Crore goal faster.

If you enjoyed this article, share the link in Facebook/Twitter. The links are provided below.

Best Investment Plans in India to earn one Crore

Article by Suresh

Suresh KP i.e. me have written 500+ articles on this blog. I love doing analysis and identifying the Best investment options.


  1. jagadeesh says:

    hi suresh sir ; nice articles ur posting……i want to invest 1 lakh in mutual funds for moderate [not post office or fixd bank intrest] higher returns..plz choose different funds suits me..i want to invest 25000 in four funds….thnk u

    • Suresh KP says:

      Invest in these funds. 1) Large cap – HDFC Top-200 / ICICI Pru focussed blue chip fund 2) Mid-cap – HDFC Mid-cap opps fund / Franklin India smaller co’s / SBI Midcap fund 3) Balanced – You can check HDFC Prudence / ICICI Balanced fund. 

  2. jagadish says:

    hai suresh sir,, i want to invest 1 lakh rupees for 10 years for high returns…can u please choose whch funds suits me….and 20000 in 5 different funds useful or lump sum..?really i dont know anything….and wher i can invest mutual to contact..whom should i ask..where should i go ………..

  3. Chandan says:

    Sir, i can’t understand ,what is stock, how i buy?? I want to start my bussiness,.but i have no any idea..plz help

  4. Shipa says:

    I need to invest in SIP . i can take mediaum risk. i am 36 years and have invested in SBI SIP @ 2500 pm. Also, i have increased my Voluntary contribution to PF by same ammount as my EPF. Apart from this i have a bank RD @ 1000/- pm wch is now in 6th year.
    I have some surplus which i want to invest in SIP.
    Pls advise how to correctly invest so i can look at a greater than 1.5 Cr corpus tax free in next 10 years.

  5. muthukumar says:

    Hi suresh

    I have been reading your blog regularly and very interesting. You are really eye opener for us about investment.

    First i would like to congratulations to write such blog and hope you will have to do more and more.

    As i follow you, i have below doubt could you please clarify and guide me.

    Since i had money one year back, I invested below MF’s thru lump sum Rs.50,000/-.
    each except HDFC children fund.

    UTI Opportunities Fund-Dividend Option
    Reliance Top 200 Fund- Dividend Option
    HDFC Top 200 Fund – Dividend Option
    Quantum Long-Term Equity Fund-Dividend Option
    ICICI Prudential Technology Fund – Direct Plan – Dividend
    Franklin India FLEXI CAP FUND – Direct – Dividend
    HDFC Childrens Gift Fund Investment Plan-Direct Plan (SIP).

    I would like to know should i do Redemption and reinvest another Mf’s or Shall i keep it for another year? FYI i earned 18% average.

    I want to earn 20%+ profit, take high risker.

    • Suresh KP says:

      You are investing in good funds except last one on Childre gift fund. Stay away from such plans as these are more or less like capital protection funds. You may not get good returns

  6. rupesh says:

    sir i doing sip in mutual fund..

    axis equity fund Gr Rs1000/-
    Axis long term equity fund Gr Rs 1000/-
    BNP paribas midcap fund Gr Rs2000/-


  7. bharat patel says:

    resp sir

    i have a Rs. 2 cr. ginning unit it against i have 36 lacs bank loan i have a further mony required for may business pl. advise me on this matter how i will raise fund / any investor in my unit / other sourse / now i am tired pl give some usefull guidense

  8. Abhishek says:

    Dear Sir,

    I have recently started my career and would like to ask a few questions. Let me first inform you my in hand retainer, which is INR 40,500. I just wanted to know how much should i invest in employee provident fund per month. Also, please clarify my doubt. I am in a misconception (i don't know whether it is true or not) that the government deposits an amount equal to the one deducted as EPF from salary. Please clarify my doubt. 

    I would also like to know about any possible investment plans suitable to my earning.

    Thank you

  9. shalini says:

    Hello Sir,I can invest 10000 per month, which plan should I go for which is safe and will give me maximum return.i have taken a lic policy for my daughter.Is there any option where I start gettin monthly income as well as.Thanks

    • Suresh says:

      Shalini, LIC is for insurance purpose and not for investment. My suggestion is consider taking term insurance under LIC or HDFC Life or ICICI Pru life and balance invest in recurring deposit in a bank where you can invest monthly some amount.

  10. tarun says:

    hi suresh

    i would lke to invest around 3 to 4 lakh a month to get bigger returns in the future, but in something safe,if you can advise.

    i already have my fd's with icici bank with 8.75 and 9% no tax and fully repatriable in dollars.


    • Suresh says:

      Hi Tarun, Unlike resident Indians, NRI’s have good flexibility to invest money in FD where they can get tax free returns. If you can take some small risk, you can invest in Debt mutual funds and earn little higher returns. Post office schemes offer safe, but they would provide lesser returns compared to bank FD. Since you are looking for safe investment option, the investment options are limited. 

  11. Manoj Kumar says:

    Hello Mr Suresh,

    How to Invest Online Direct Mutual Fund & how to track

  12. Rohit says:

    Dear Suresh,

    Your articles are very good and informative.

    I need your guidance for investment of Rs. 30000/- pm. for creation of long term wealth i.e above 10 years.

    Currently i am investing Rs. 22000/- in RD

    Rs. 3000/- in ELSS Franklin India Tax shield (G)

    Rs. 1000/- Relaince Tax Savings(G)

    Rs.1000/-  Hdfc Equity Fund(G)

    Rs.1000/-Hdfc Bal Fund(G)

    Rs.1000/- ICICI Bal Fund(G)

    Rs.1000/- SBI Emerging Busi(G)

    I can take high risk for higher returns.


    • Suresh says:

      Rohit, Your risk appetie is high, but you are investing in low risk options like hybrid funds and tax saving mutual funds .Invest in diversified and large cap funds such as HDFc Top-200, Birla SL Frontline, ICICI Pru focussed blue chip fund, UTI MNC Fund and debt funds like HDFC Prudence etc., Also HDFC Balance fund, is underperformer in last 3 to 4 years, you can re-visit this.

      • Rohit says:

        Thank  you for your advice. I, also wanted to know that out this Rs. 30000/- investable fund per month what percentage should go in Large cap, Mid & Small Cap, Debt fund/FD & sector fund respectively. ELSS is for my 80C deduction.

        Thanks& Regards,


        • Suresh says:

          Rohit, It depends on your risk appetie. If you are high risk to moderate risk investor, put majority amounts in large cap / diversified funds / sector funds and invest smaller amounts in other categories like debtfunds or bank FD. If you are low risk investor do exactly opposite. 

  13. shailesh says:

    Dear Sir

                 I read your article on top 10 mutual funds and pharma and fmcg sector are having good returns sector. Sir I have some 5 lac rs in my savings if want to invest with risk cover and high returns where shall I invest. Kindly suggest sir.

    Shailesh Tayde

    Aurangabad 09766500444

    • Suresh says:

      Shailesh, Invest in mutual funds through SIP to get good returns. If you invest lump sum, invest in diversified funds or balanced funds in 3-4 lots. If you are looking for high risk, high return, you can invest in pharma and FMCG sector. But keep this to small extent. You can invest major amounts in large cap and diversified sector

  14. piush sharma says:

    dear suresh

    can it possible to invest money from loan. how can i invest it safely to make good money.

    • Suresh says:

      Piyush, I tried, but failed. Loans comes with high interest rates like 14% to 18%. However you may get good returns on short term, but when you invest in stocks or mutual funds you need to wait for long term. 

  15. Magesh says:

    Hi Suresh,

    I have gone through your articles… the articles are nice

    Every one wants to become a crorepathi… even I want a corpus amount of 1 crore in 10 years.

    But is it possible to get that much returns in 10 years?? By investing in mutual funds or stock markets

    Your article about Interview with a crorepathi (in 10 years) is simply fantastic and your key message to readers is also fine. But instead of that article why every time you are signifying investing in debt mutual funds or stocks to get returns or to become crorepathi in 10 years and I did not get you are simply mystifying the readers… Even your Investment plan “Investment in IPO’s” also shows the same indication.

    I completely agree with what Shankar Mahadev thought and now a days we cannot predict the market and investing such a huge amount (20K to 30K or 5 lakhs per annum) in debt mutual funds/stocks is not a good symbol

    Yes, it took almost 20yrs to get such returns from stock markets or from mutual funds. Even Now a days we are seeing mergers, acquisitions & take over’s between companies… and because of rupee value also we are seening major changes in stock markets…still do u think investing in mutual funds & stocks is one of the best investment plans for us or for NRI’s??

    Please suggest….

    • Suresh says:

      Thanks for the comments Magesh. Well if you see I have already acknowledge Shankar’s comments. We should encash each and every opportunity on the market dips to maximise the returns. But do you wait for such market dips to happen to invest? Hence you should invest systematically over a period of time and invest higher amounts during market falls. I specified that for low risk investors, they can invest in debt mutual funds where the returns are above FD. Look at the top 5 mutual funds artilce I have written where they have performed well and gave more than 20%+ returns in last 10+ years. Many readers keep commenting that investing in stocks for long term, they are able to gain higher comparing to other investment options. Tell me which investment gives higher returns of 15%+ ? Except for stocks or top diversified mutual funds or say real estate, there are no other investment which gives such good returns. Also you should read between the lines. I keep telling an investor that they can choose option based on their age, risk profile and time horizon. If you look for one year investment, don’t go for stocks or general mutual funds. You can look bank FD or debt mutual funds in such case.

  16. Ganesh says:

    Suresh….You are awesome,

    Shankar you are absolutely right…

  17. Prasanth says:

    Dear Suresh,

    Thought of taking your valuable feedback before investing in mutual fund.

    I am planning an investment of 1lac for my son’s future education (i.e., after 20 years).

    Currently he is 6 months old.

    Could you please suggest me a good investment option?

    • Suresh says:

      Prasanth, There are several child plans floated by mutual funds but they are offfering very low returns. Like I suggested in several articles, whether it is your child future or a plan to achieve your financial goal, your objective is to grow money faster. Invest in diverisified or large cap mutual funds if you are looking for such long time investment. I posted an article today about 5 mutual funds which has been consistently performing better. HDFC top-200, Birla SL Frontline, Franklin India bluechip, HDFC Prudence etc., You can invest in such large cap funds

  18. Anshul says:

    Sir I have 1 lakh rupees please suggest me where should I that i should get better returns.??

  19. Nirmal Singh says:

    Dear Suresh,

    I want a corpus of Rupees One Crore after ten years. I can easily invest rupees Five Lakhs every year. I also want investment in tax saving schemes. How & in which schemes should I invest ? 

  20. Sivaji says:

    Hi Suresh, Thanks for educating on the best investment plans to become a crorepathi with out any major risk.

    I am planning to give as a gift 1 lakh ruppes to mydaughter in law and same thing i would like to invest to make this amount as double. Now her age is 13 years and i can invest this amount for a period of 8 to 9 years. Can you please suggest me the best investment plant to get the best returns with out any risk for the principle amount. I hope you will guide me to invest in giving best retuns schemes.

    • Suresh says:

      Sivaji, If you are looking for low investment options, invest in bank FD or debt mutual funds. Debt mutual funds would be able to give high returns compared to bank FD.

  21. Rajesh says:

    Hi ,suresh wanted to know that for whom I should go for in term of mutual fund whether for  large cap mutual fund or diversified mutual fund….l..l if my objective is to invest  2000 monthly through sip in this fund for next 10 year as  a low risk taker nd expecting earning 20 +  returns 

  22. Rajesh says:

    Hi suresh first of all thanks for such great investment ideas , secondly I want to know that for which Bank gold etf I should go for and why , third who manage thease fund in term of buying gold nd transferred it into demat account in case I approached directly to bank 

    • Suresh says:

      Rajesh, Banks would not provide Gold ETF’s. Mutual fund houses provide Gold ETF’s. However these are traded in stock exchanges like any other stock. To buy them you need to have demat account and you can buy them during trading hours.

      • Rajesh says:

        Thanks suresh ,however I would like to know for which gold etf   I should  go for sbi reliance or katak nd is their  any sip facility like mutual fund .. And do I need to  buy or fund manager will buy ….

        • Suresh says:

          Rajesh, All Gold ETF’s track gold as underlying asset. I felt Reliance Shares Gold ETF or SBI Gold ETF are better. Login to your account, put a purchase request like any other share purchase and enter these details. The rate of a gold ETF would be one gram gold price (appox). If you want monthly, you can buy through Stock SIP options which are offered by some brokers like ICICI Direct etc., On a specific date, a pre-definied quantity or within predefined amount, the purchase of Gold ETF would be executed.

  23. Roy says:


    Hello , 

    I am new to investement, i am and working abroad will return to my India after 3 years..kindly suggest me investment option with maximum benifits.


    • Suresh says:

      Hi Roy, Start investing in diverisifed mutual funds or bank FD to start with. Once you know the mutual fund world, you can invest in various categories and then you can move to investment in stocks for long term.

  24. jay says:

    hi.wat u say is gold cm at a rate of 22000..

    • Suresh says:

      Jay, I am not talking about gold rate here. I am saying that if you invest Rs 22,000 a month, you can become crorepathi in next 10 years based on the long term returns it has been providing all along.

  25. srikanth says:


    I am planning to give a gift of 1 lakh to someone who is very close to me, but i want it to be invested in some of scheme for a lock in period of 10 to 15 years. And it will be a one time investment. Can u guide me to one of the best available option.

  26. Subha says:



    Till date i have 0 investment can invest every mont 5-10 thousand. my age is 34. pls. suggest where can i invest to make excellent earning.

    • Suresh says:

      Hi Subha. Start investing in diversified funds, balanced funds and large cap funds. Once you are familiar, you can move to other MF categories.

  27. jatin says:


    • Suresh says:

      Jatin, Before creating false hopes among investors that the money would be doubled in 40 days and principal is guaranteed, please tell us the process on how you do that. We all would first review before investing in such risky investment options. I am removing the mobile no which you have enclosed in the comment.

  28. Darshan says:

    Dear Suresh,

    I read your article and found interesting. Uptill i m invested in conventional polices which are risk free with regular benefits, Can u guide me, as i am now interested to go for investement which are related to share market, gold and as you said in "silver" .besides this i am planning for home loan aslo

    plz let me tell the scheme which i can go parallaly with EMI . 


    Darshan Jagatp



    • Suresh says:

      Darshan, your investment plan should depend upon the time frame and risk apettire. If you are a risk taker, you can invest in large cap stocks (see my article about few recommendations), if you are a moderate risk taker, invest in largecap and diversified mutual funds (see top-10 SIP mutual funds article) to create wealth in long term. If you are looking for safe investment options, you should invest only in Bank FD, debt mutual funds or Post office saving schemes.

  29. Mamta jain says:

    suresh why dont you try in the  international forex market. I am the service provider in that market .plzzz mail your contact no tome on my eamil address so that i can tell you more about this business .our market is the two way market

  30. vinit says:

    my mom is retired just n we want her money to b invested smwhere around 30000 to 50000 rs pls guide option invest period will 2- 5 years in diversifeid manner

    • Suresh says:

      Vinit, Since you mom is retired, you should look for safe investment options like Sr. Citizen’s FD. There are other safe options like debt mutual funds where you can expect higher returns than bank FD but would be little risk.

  31. S John says:

    Hello Suresh,

    Simply put, I am impressed with your investment advisory articles.

    I need your guidance on feasible options for a fund of around 30 lakhs that I currently have for short term investment, for example 3, 6 or max. 12 months.  Ideally my objective will be to grow the amount I have, through returns beyond which I may normally yield with regular fixed deposit interest rates.  I would then like to utilize the returns from such short-term investments of this currently available fund to pay-off around 90 lakhs of my housing loan in periodic intervals.

    I trust you can give me some helpful advice on the investment options that are currently available to me in this context.

    Thanks in advance.

    Best Regards,



    • Suresh says:

      John, if you are looking for short term investment options for 3 months to 12 months, you can invest in bank FD’s and debt mutual funds. Investment in diversified MF’s or stocks to be done for long term to gain higher returns. If you are looking for 3 years time frame, you can go for diversified mutual funds

  32. AJAY WAGHMARE says:

    Dear Suresh,


    Nice article. its is possible to earn 1 crore by combination of above options with minimum monthly investment. if yes please let me know. i am fresher to stock market & want to invet in share/MF for longer period



    Ajay Waghmare

    • Suresh says:

      Ajay, If you can invest Rs 20K to Rs 30K per month, you can try and achieve this goal in next 10 years. What is your risk apetite and how eager you want to achieve this and what is that you can pay to take this risk is the question. Since you are fresher to stock market, start investing in Top mutual funds before you make direct investment. Once you are familiar on how equity market runs, you can step in with small investments and increase this year on year. Any stock markets crash needs to be encashed by you at appropriate time.

  33. Shankar Mahadev says:

    Don't give false hopes to Indians to make 1 crore rupees easily with small savings. It is not possible to honestly make 1 crore rupees quickly, no matter how long you dream in a day, by any of the above investments.

    Investing can make a person rich, but it needs to be done wisely and at the right time. Here are some important principles to keep in mind when investing in India or for that matter, in any country:

    1. Invest when the stock market is crashing or has crashed and nobody wants to go near it. In 2008 and 2009, when the stock markets crashed, that would have been the perfect time to invest. Stocks or funds bought at that time would have made huge profits. But that was the time when everybody was scared and did not invest. If everybody were to buy "best" large mutual funds, gold and silver, then everybody should become rich. It doesn't work that way. Remember that, when you buy a fund or stock in the market, somebody is selling it to you. That means, for every buyer who thinks the stock is a good purchase, there is a seller who thinks it is overpriced and it is time to sell it. Only one of them can be right! Stock market does not crash frequently, but on average, there is one major stock market crash at least once every 6 or 7 years. That is the time to take all savings and invest big time.

    2. Be patient. Buy a high quality blue chip stock or fund at a low price as indicated above and then hold it for at least 20 years. A person near my house bought shares in ITC stock in 1984 and sold it in 2005 when the market was going up like mad. Most of his purchases were held for at least 20 years. In 20 years time, he made 1 crore rupees in profit. At the time he started investment, his salary was just Rs. 600 per month! The important thing is for the company to still be around for 20 years. Companies like Tata Steel or Reliance will definitely be around for another 20 years. But one cannot pay any price — it needs to be bought cheaply when the stock market crashes and then hold on to it for 20 years. You will make a very large profit. 

    • Suresh says:

      Shankar, I am 100% with you. What I indicated was the ways to earn one crore “faster” and not how to earn “easily”. Whatever principles you indicated are the excellent one where an investor need to encash such opportunities. Thanks for your comments.

      • S. Chaudhary says:



  34. Shravan says:

    Hey Suresh Nice Article.

Leave a Reply

Your email address will not be published. Required fields are marked *