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1 Lakh Investment Plan

A clear investment plan is important, and 1 lakh investment plans help you use savings in a structured, reliable way. With the right balance ... Read more of safety and growth, investment plans for one lakh can support short-term needs and long-term financial goals. This article explains how one lakh investment plans work, the available options, and how to get the most from the investment in a simple way. Read Less

A clear investment plan is important, and 1 lakh investment plans help you ...Read more use savings in a structured, reliable way. With the right balance of safety and growth, investment plans for one lakh can support short-term needs and long-term financial goals. This article explains how one lakh investment plans work, the available options, and how to get the most from the investment in a simple way. Read Less

Invest ₹15,000/month¹, Get ₹2.3 Cr tax-free⁷ returns (@19.87%)

All funds rated 4 or 5 stars²

Life cover + Wealth creation

Zero LTCG tax⁷

Zero premium allocation charge

In this policy, the investment risk in investment portfolio is borne by the policyholder

¹IIllustrative returns @4%: ₹13.1 Lakh | @8%: ₹31.8 Lakh
Past performance is not indicative of future performance. The linked insurance product do not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender/withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year

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Pay (Total)

₹11,99,016

Get Maturity Benefit

Based on assumed rate of return

₹34.57 Lakh

As per actual past performance

₹70.50 Lakh

@20.37%

Additional Benefits

Life Cover (including Terminal Illness Cover): ₹22.8 Lakh

Accidental Death Cover: ₹11.43 Lakh

Accidental Total & Permanent Disability: ₹11.43 Lakh

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Tata AIA Premier SIP is designed for combination of Benefits of two individual and separate products named (1) Tata AIA Life Insurance Tata AIA Smart SIP - Non-participating, Unit-linked, Individual Life Insurance Savings Plan (UIN: 110L174V02) and Tata AIA Health Buddy - Non-participating, Non-Linked, Individual Health Product (UIN:110N183V01). Product option: Future Secure These products are also available for sale individually without the combination offered/suggested.

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What is a ₹1 lakh investment plan?

₹1 lakh investment plans are a structured way to invest ₹1,00,000 across one or more financial options to generate potential returns over time. You can choose your investment option based on your goals, time horizon, and risk tolerance.

For example, someone investing for a short-term goal like a holiday may choose fixed-income options. By contrast, for long-term goals such as wealth creation, equity-based plans can grow with demand. In simple terms, one lakh investment plans are designed to align with your goals and change with your needs.

Top investment options for 1 lakh

The following are the top investment options for 1 lakh.

Fixed deposit:

Fixed deposits are a reliable choice for investors who prefer stability. They offer assured returns at a pre-decided rate and come with flexible tenures. This option works well in many cases where capital safety is the priority.
Recurring deposit:

A recurring deposit allows you to invest a fixed amount every month. It is easy to use and helps build financial discipline. Many investors keep ₹1 lakh aside and deposit it gradually through an RD for predictable growth.
Money market instruments:

Money market instruments come with lower risk and higher liquidity compared to savings accounts. They may be useful for short-term needs and provide access to funds while earning potential returns.
Corporate fixed deposits:

Corporate fixed deposits usually offer relatively higher returns than bank FDs. However, they carry a slightly high risk. It is important to review the credit rating before including them in a one-lakh investment plan.
Mutual funds:

Mutual funds are flexible and are managed by professionals. You can invest in equity, debt, or hybrid funds based on your risk tolerance and goals.
Child investment plans:

Child investment plans help secure a child’s future while offering insurance coverage. They may be useful for education and long-term milestones.
Government schemes:

These are savings and investment schemes backed by government assurance. They ensure capital safety while allowing your ₹1 lakh to grow at a steady pace. You can opt for various government schemes, such as Public Provident Fund (PPF), National Provident Fund (NPS) and other schemes.
Life insurance investment plans:

Some life insurance plans, such as ULIPs, combine protection with market-linked⁷investment. At Tata AIA, such plans are designed to be flexible and can grow with demand while offering life cover alongside investment potential.
Stock market investments:

Investing in shares can deliver potential returns over the long term. However, prices can fluctuate. But diversification across sectors helps manage and improve risk management along with enhancing potential gains.

Popular Tata AIA Investment Plans

Combination composition

Premier SIP is designed for combination of Benefits of two individual and separate products named (1) Tata AIA Life Insurance Tata AIA Smart SIP - Non-participating, Unit-linked, Individual Life Insurance Savings Plan (UIN: 110L174V02) and (2) Tata AIA Health Buddy - Non-participating, Non-Linked, Individual Health Product (UIN:110N183V01). Product option: Future Secure These products are also available for sale individually without the combination offered/suggested.

Tata AIA

Premier SIP

Multicap fund delivered 23.21% returns (Benchmark:16.65%)⁴
All funds rated 4 or 5 stars³ by Morningstar⁵
Payouts are tax² exempted

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Combination composition

Param Raksha Life Pro+ is designed for combination of Benefits of two individual and separate products named (1) Tata AIA Smart Sampoorna Raksha Supreme Unit Linked, Non-Participating Individual Life Insurance Plan (UIN: 110L179V02) and (2) Tata AIA Health Buddy, Non-Participating, Non-Linked, Individual Health Product (UIN: 110N183V01). These products are also available for sale individually without the combination offered/suggested.

Tata AIA

Param Raksha Life Pro +

Multicap fund delivered 23.21% returns (Benchmark:16.65%)⁴
All funds rated 4 or 5 stars³ by Morningstar⁵
Get terminal illness cover with Term booster⁶ + high life cover

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How to invest Rs. 1 lakh in an investment plan?

Here is how you can invest Rs. 1 lakh in an investment plan

01

Sign up and create an account

Visit a trustworthy website like Tata AIA. Open your account with basic information and complete the Know Your Customer (KYC) procedure. This is important, as it ensures safety and compliance across the industry.
02

Complete your risk profiling

Answer the risk assessment questions. This helps align the plan with your requirements and enables selection of low, medium, or high-risk investment choices for 1 lakh.
03

Invest funds

Invest your ₹1 lakh by adding funds through net banking, UPI, or bank transfer. You can use it as a lump sum or spread it out, which is flexible and works for different needs.
04

Monitor and review regularly

Track performance, reinvest returns if needed, and adjust as things keep changing. This keeps your plan effective and future-ready.
05

Withdraw or reinvest

After completion, withdraw your earnings, or you can also reinvest them to allow your investment to grow with demand.

Things to keep in mind while investing Rs. 1 lakh

While investing Rs. 1 lakh, consider the following:

Closely track market trends and economic factors, as they can affect your investment significantly. Understanding market dynamics helps you make timely adjustments to your portfolio for potential returns.
Compare plans considering tax* benefits, as opting for tax-advantaged options can be more beneficial. Tax implications should be understood properly to optimise your overall returns and reduce your tax liability.
Liquidity management is important for ensuring easy access during emergency financial needs. Balance between locked-in investments and liquid options to maintain financial flexibility when required.
Maintain a diversified portfolio to balance risk. If some funds underperform, others performing well can offset losses. This approach reduces risk while enhancing overall return potential significantly.
Assess your risk tolerance carefully, understanding how much loss you can sustain from fluctuating market conditions. This evaluation helps select appropriate investment options that align with your risk tolerance.
Be aware of premature closure terms and conditions before committing funds. Understanding penalties and lock-in periods helps you plan.
Research and compare all available plans thoroughly. Understand the risks involved, interest rates offered and expected returns. This comprehensive analysis helps identify a suitable investment for your goals.
If required, consult financial advisers and fund managers for expert insights. Professional guidance is important when making investment decisions, ensuring optimal deployment of your funds.

Conclusion

A ₹1 lakh investment plan offers a clear and organised way to use your savings wisely. By selecting options that align with your goals, time horizon, and risk tolerance, you can balance safety with growth. Diversification across different instruments improves stability and long-term potential. Regular review and informed decisions help you make informed decisions and move to higher-value options like 5 lakh investment plans. With a disciplined approach, one lakh investment plans can support both immediate needs and future financial security.

What is the best way to invest 1 lakh?

The suitable way to invest 1 lakh depends on your goals. Low-risk options include FDs or debt funds, while mutual funds or stocks suit higher returns, based on risk appetite.

What is the safest investment with the highest return in India?

The Public Provident Fund (PPF) is considered one of the safest options to invest funds, as it is government-backed and provides a fixed return at a rate of around 7% per annum.

How to double 1 lakh rupees?

You can choose mutual funds, stocks, or corporate FDs for potential returns, but these involve risks. On the other hand, safe investment options may take longer to double.

How do I diversify my investments within a 1 lakh portfolio?

You can diversify your funds across FDs, mutual funds, and stocks. All such instruments help you diversify the risk associated with the investment.

The linked insurance product do not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender/withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year.
Premier SIP is designed for combination of Benefits of two individual and separate products named (1) Tata AIA Life Insurance Tata AIA Smart SIP - Non-participating, Unit-linked, Individual Life Insurance Savings Plan (UIN: 110L174V02) and (2) Tata AIA Health Buddy - Non-participating, Non-Linked, Individual Health Product (UIN:110N183V01). Product option: Future Secure These products are also available for sale individually without the combination offered/suggested.
Param Raksha Life Pro+ is designed for combination of Benefits of two individual and separate products named (1) Tata AIA Smart Sampoorna Raksha Supreme Unit Linked, Non-Participating Individual Life Insurance Plan (UIN: 110L179V02) and (2) Tata AIA Health Buddy, Non-Participating, Non-Linked, Individual Health Product (UIN: 110N183V01). These products are also available for sale individually without the combination offered/suggested.
If your policy offers variable benefits, then the illustrations on this page will show two different rates of assumed future investment returns. Currently the gross investment returns are stipulated as 4% p.a. and 8% p.a. These assumed rates of return are not guaranteed, and these are not the upper or lower limits of what you might get back, as the value of your policy is dependent on a number of factors including actual future investment performance.
¹Illustration shows a monthly premium of ₹15,000 for Tata AIA Premier SIP for a 30-year-old male, standard life, premium payment term: 10 years, policy term: 20 years with 100% investment in Tata AIA Multi Cap Fund in Future Secure plan option. 4% and 8% are assumed rates of return. 19.87% is the 5-year return of Nifty 500 Index as of October'25. Maturity amount: ₹23,75,740 at 4% returns, ₹43,20,914 at 8% returns and ₹ 2,33,98,560 at 19.87% returns. The fund value calculation is done by projecting the past returns of Nifty 500 Index after adjusting for all expenses in Tata AIA Premier SIP. The above values have been calculated assuming 19.87% p.a. gross investment returns, which is the past 5-year return of Nifty 500 Index as of October'25.
Some benefits are guaranteed, and some benefits are variable with returns based on the future performance of your insurer carrying on life insurance business. If your policy offers guaranteed benefits, then these will be clearly marked “guaranteed’ in the illustration table on this page. If your policy offers variable benefits, then the illustrations on these pages will show two different rates of assumed future investment returns. Currently the gross investment returns are stipulated as 4% p.a. and 8% p.a. These assumed rates of return are not guaranteed, and these are not the upper or lower limits of what you might get back, as the value of your policy is dependent on a number of factors including actual future investment performance.
²No Goods and Service Tax shall be applicable on Individual life insurance products as per prevailing laws. Tax laws are subject to amendments from time to time. If any imposition (tax or otherwise) is levied by any statutory or administrative body under the Policy, Tata AIA Life Insurance Company Limited reserves the right to claim the same from the Policyholder.
³All funds open for new business which have completed 5 years since inception are rated 4 or 5 Star by Morningstar as of August 2025.
⁴5-year computed NAV for Multi Cap Fund as of November 2025. Other funds are also available. Benchmark of this fund is S&P BSE 200.

⁵©2025 Morningstar. All rights reserved. The Morningstar name is a registered trademark of Morningstar, Inc. in India and other jurisdictions. The information contained here: (1) includes the proprietary information of Morningstar, Inc. and its affiliates, including, without limitation, Morningstar India Private Limited (“Morningstar”); (2) may not be copied, redistributed or used, by any means, in whole or in part, without the prior, written consent of Morningstar; (3) is not warranted to be complete, accurate or timely; and (4) may be drawn from data published on various dates and procured from various sources and (5) shall not be construed as an offer to buy or sell any security or other investment vehicle. Neither Morningstar, Inc. nor any of its affiliates (including, without limitation, Morningstar) nor any of their officers, directors, employees, associates or agents shall be responsible or liable for any trading decisions, damages or other losses resulting directly or indirectly from the information.
⁶The Insured Amount under Terminal Illness with Term Booster option (in Health Buddy) is payable on earlier of death or diagnosis of Terminal illness of the Life Insured. Please refer Terms and Conditions for more details.
Unit Linked Life Insurance products are different from traditional insurance products and are subject to risk factors. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. The underlying Fund’s NAV will be affected by interest rates and the performance of the underlying stocks. The fund is managed by Tata AIA Life Insurance Company Ltd. (hereinafter the Company"). The performance of the managed portfolios and funds is not guaranteed, and the value may increase or decrease in accordance with the future experience of the managed portfolios and funds. Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any). All investments made by the Company are subject to market risks. The Company does not guarantee any assured returns. The investment income and price may go down as well as up depending on several factors influencing the market. Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the insurance company.
The fund is managed by Tata AIA Life Insurance Company Ltd. (hereinafter the Company).
Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & the Unit linked insurance product with Tata AIA /Tata AIA Life Insurance as its prefix is only the name of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.
Buying a Life Insurance policy is a long-term commitment. An early termination of the policy usually involves high costs, and the Surrender Value payable may be less than the all the Premiums Paid.
Insurance cover is available under the product. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
L&C/Advt/2026/Jan/0355