1. FD: An investor can invest in Fixed deposit with big corporates like HDFC, ICICI Home Finance, LIC Housing Finance, Bajaj Finance.
2. Government Schemes:
a. SCSS (senior citizen saving scheme)
b. SSY (Sukanya samriddhi yojana)
c. RBI Bond
d. NPS (National pension scheme)
e. PMVVY (pradhan mantri vaya vandana yojana)
f. PPF (public provident fund)
3. Bonds: A bond can be defined as a debt investment, wherein money is loaned by an investor to a corporate or government entity, which borrows the funds for a specified time-frame at a variable or fixed interest rate. Companies, Municipalities, States and Sovereign Governments use the bond route to raise money and finance several projects and activities. One can invest in these bonds to get fixed interest income at a low risk.