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International Women’s Day 2025: More women in India are joining the workforce and investing in their financial futures through gold, PPF, mutual funds, NPS, fixed deposits, and NSCs.
International Women’s Day 2025: There are a myriad of options available for women in India to choose from and to diversify their portfolio of investments (Image: Shutterstock)
International Women’s Day 2025: Top Investment Plans For Women To Secure Future With Smart Financial Choices: There is a rising percentage of women entering the workforce and taking an interest in investments in India. When it comes to savings, women are generally considered to be wise as they take decisive steps to ensure that their financial future and that of their family are secured.
While more women are embracing investment opportunities, many are yet to embark on this journey. As International Women’s Day approaches, it is a fitting time to encourage and support women in taking control of their financial futures.
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Currently, there are a myriad of options available for women in India to choose from and to diversify their portfolio of investments. In this article, let’s check out some of the best investment options for women in India.
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International Women’s Day 2025: Best Investment Plan For Women
- Gold: Investing in gold is considered one of the most sought-after options for women in India. From purchasing physical gold to saving in the government’s Sovereign Gold Bonds, this option has stood the test of time and serves as a financial safety net. Sovereign Gold Bonds (SGBs) are a scheme launched by the government that helps store gold in electronic form and also gives a small interest.
- Public Provident Funds: Next on the list is the Public Provident Fund (PPF). It is a government-backed investment scheme offering long-term financial security with consistent growth. It is ideal for women who aim to contribute a specific amount for long periods to leverage the interest-compounding benefit. PPF has a 15-year tenure, and the tax benefits help reduce their overall tax liability and enhance their resources for further investment. With guaranteed returns at 7.1% per annum, this is one of the best women’s retirement planning options. Another good thing about this plan is that women can start investing from as low as Rs 500 per year to Rs 1.5 lakh.
- Mutual Funds: These are becoming a common investment vehicle, but one should proceed with proper study and research. Mutual funds are best suited for ladies who are open to market fluctuations and wish to stay invested for a longer period. With multiple investment options available, the returns too vary, and one should invest depending on one’s goal and risk profile to balance the risks with rewards and eventually earn higher returns.
- National Pension Scheme (NPS): This is a government-supported retirement savings plan for women aiming to secure their future post-retirement. It allows individuals, including women, to invest systematically in a mix of equity, government securities, and corporate bonds, offering both growth and stability. This scheme also provides a tax benefit under Section 80C and an additional Rs. 50,000 under Section 80CCD(1B). Upon retirement, women can choose to withdraw a portion of the corpus as a lump sum, while the remaining is converted into a regular pension.
- Fixed Deposits (FDs): Bank Fixed Deposits or corporate deposits can also be considered for investments. It also offers guaranteed returns with high liquidity but the rate of return varies with banks and corporates with no maximum limits. FDs are ideal investment options for women to meet short-term goals, as the tenure is flexible, ranging from 6 months to 10 years.
- National Savings Certificate (NSC): Another government-backed savings plan scheme offered by post offices is the National Savings Certificate (NSC). With tenures of five years or 10 years, this scheme offers 6.8 per cent interest annually and guaranteed returns. NSC is a tax-efficient scheme as the investment made under the scheme is eligible for a tax deduction of up to Rs 1.50 lakhs under Section 80C of the IT Act 1961, making it a desirable option amongst working women.
