9 Best Monthly Investment Plans to Look Out for in 2025!

Earnings generated from monthly investment plans often provide significant returns every month. You can enjoy good tax benefits and get a chance to diversify your investment portfolio by spreading your investments across varying instruments to even out the risks. Investors often find monthly investment schemes intriguing as they can put their money into different asset classes.

An investment plan helps you achieve your financial objectives and save for emergencies and your future. You can maximise your returns through portfolio diversification by investing in varying assets, including bonds, equities, and government securities. Let’s discuss the top nine best investment schemes in 2025 for active investors.

Try these 9 Monthly Investment Plans in 2025!

Try a mix of these monthly investment plans to diversify your portfolio and fulfil your financial goals.

Chit Funds

Chit funds are traditional investment schemes where a group of individuals contribute a predefined amount into a common pool at regular intervals. In this financial arrangement, the investors put their money with the understanding that only one member will receive the entire pot of money during each cycle. The recipient is selected based on the results of bidding or a lottery. Chit funds serve the dual benefits of savings and borrowing. Yes, you can withdraw the funds anytime, which serves as a cushion against emergencies.

Public Provident Fund (PPF)

A PPF is a government-supported savings scheme. In PPF, the investor needs to make fixed contributions for a fixed tenure of 15 years. They are allowed to make partial withdrawals after 6 years. It has a high lock-in period of 15 years. Therefore, it is not suitable for short-term investment needs. 

Life Insurance

Life insurance is another investment plan that provides financial services to you and your family, especially after the policyholder's death. You are required to pay the premiums regularly, usually every month, or in a lump sum. In a life insurance policy, returns are usually lower in comparison to other investment instruments. 

Post Office Savings Schemes

Post Office Savings Schemes, as the name indicates, are provided by India Post. In this investment scheme, returns might not be able to keep up with inflation over longer periods. Moreover, there is limited accessibility for digital or online transactions in comparison to other investment options. 

Recurring Deposit (RD)

Most of us are familiar with Recurring Deposits. You deposit a fixed sum of money every month into your RD account for a predetermined tenure. At the end of the tenure, you can withdraw a lump sum amount, matured at a fixed interest rate. Tenures may range from 6 months to 10 years, which you can choose based on your income bracket and investment capacity.

In this investment option, there are fixed returns. This is not competitive during inflationary periods. Moreover, you do not receive any tax benefits on the interest earned. 

RBI Bonds

RBI Bonds are government-backed securities providing fixed interest rates. These are issued by the Reserve Bank of India. There is a lack of liquidity in RBI Bonds. You are provided fixed interest rates. Therefore, there is no benefit during a market upswing. 

Direct Equity

Direct equity involves the purchase of individual company shares directly in the stock market. As a result, the investor becomes a partial owner or stakeholder of that company. There is a high market risk involved with this investment. If you wish to invest in direct equity, you also need to possess in-depth industry knowledge and real-time monitoring.

Gold Investment

With a gold investment, there is no regular flow of income. Insurance and storage for physical gold come with extra risk. Prices tend to be volatile during a short term, even after long-term stability. 

Senior Citizen Savings Scheme (SCSS)

This investment scheme is only available for individuals above 60 years. There is a maximum investment limit of INR 30 Lakhs. This amount might not be sufficient for retirees. Moreover, premature withdrawals might incur fees and penalties. 

Why Are Margadarsi Chit Funds the Best?

Margadarsi is a leading and reputable chit fund company in India that has been empowering investors since 1962. We provide benefits like tax-free dividends, quick and easy access to funds, good returns, fair distribution of the pot money, and interest-free payments.

Final Words

To conclude, you can choose from a range of monthly investment plans to improve your investment portfolio. But try including chit funds in it to boost your returns. It is the perfect tool to save and borrow at the same time. You can withdraw the prize money anytime through an auctioning process, which covers you during unforeseen situations, like sudden medical expenses or a job loss.