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. sanjay says:

    Hello to all,
    Invest in fmcg company officially/legally one time 11.53 lacs. Earn 27599/- per month till 10 years after it u can withdraw ur basic (11.53) or to be continued same amount with renual amount only 19 members required…..for more details call on 9928826413.

  2. AP says:

    Dear Mr. Suresh,

    Your article is worth reading ! I want to invest approx 5 L now and thereafter 1 L every month for next 12 -16 (i.e total 16 L +5L) month, there after I need around 30-40 L for house construction. I am ready to take 60-70 % risk. Can you pls guide what is the best investment option for me.


  3. Ansuman khandai says:

    Hi All, this is Ansuman Khandai. Regarding the savings of money or earning a huge interest of making 50 Lakhs or 1 crore, it is a real aim for all of us. But most of us do not have proper knowledge and planning for the investment and you should have patience also. I can guaranty you that, you will get excellent returns only on equity, shares, provided you invest in good fundamental stocks. I can always help every one of you in this regards as I have done this. You can contact me on 9902637127 or you can SMS me also. You will understand the truth.

  4. Ratnakar HM says:

    Dear Team,,
    My Age is 29 years and annual income is 5 lacks.
    Currently my investment SIP:-

    1) HDFC Mid Cap (G)- 2000
    2) HDFC Balance (G) -3000
    3) ICICI pru Export and other services (G)-2500.

    My requirement is after 7 years 25 Lacks for Car and and after 10 years 1 Cr for home.

    Please suggest.

    Best Regard//

  5. Subhasis says:

    Hi Suresh,
    my monthly income is 20k.and my age is 23.I want to start SIP for long term say 20-25 years.I can invest maximum 5k at the moment now.In which fund i should invest.Looking forward to your guidence

    • 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. 

  6. 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. 

  7. 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 ………..

  8. 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

  9. 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.

  10. 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

  11. 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/-


  12. 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

  13. 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

  14. 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.

  15. 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. 

  16. Manoj Kumar says:

    Hello Mr Suresh,

    How to Invest Online Direct Mutual Fund & how to track

  17. 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. 

  18. 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

  19. 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. 

Leave a Reply