Investment and Insurance Marketplace for Indian Businesses — Compare FDs, Mutual Funds, PPF, SGB, NPS, Business Insurance on Saving Mantra

Investments & Insurance

Grow your business surplus and protect your assets — all SEBI/IRDAI regulated products

How It Works
Disclaimer: All investment products are SEBI-registered or RBI-regulated. Insurance products are IRDAI-approved. Returns are indicative — past performance does not guarantee future results. Consult a SEBI-registered RIA before investing. Saving Mantra is a regulated product marketplace, not a fund manager.
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Fixed Deposits
Mutual Funds
Govt Schemes
Bonds
Gold / SGB
Business Insurance
Investments — grow your business surplus (6 products)
Top Rated
Shriram Finance FD
Shriram Finance Ltd
8.85% p.a.
12–60 months
AA+ Rated Low Risk Quarterly Payout
12–60 months ₹10,000 Low
RegulatorRBI
Credit RatingAA+
Return8.85% p.a.
Tenure12–60 months
Min Investment₹10,000
Risk LevelLow
Shriram Finance Fixed Deposit offers one of the highest FD rates among AA+ rated NBFCs. Quarterly payout or cumulative options available. RBI registered NBFC with strong credit history since 1974.
Mirae Asset Flexi Cap Fund
Mirae Asset AMC · SEBI reg.
24.6% CAGR
No lock-in
Equity MF High Risk SIP ₹500/mo
No lock-in ₹500/mo SIP High
RegulatorSEBI
Return24.6% CAGR
TenureNo lock-in
Min Investment₹500/mo SIP
Risk LevelHigh
Mirae Asset Flexi Cap Fund – Direct Growth. 3-year rolling return of 24.6% CAGR as of FY26. Invest via monthly SIP from ₹500 or lumpsum. No lock-in. SEBI-registered AMC.
PPF — Public Provident Fund
Government of India
7.1% p.a.
15 years · 80C · Tax-free
Sovereign Tax-free 80C eligible
15 years ₹500/yr Very Low
RegulatorGovt
Credit RatingSovereign
Return7.1% p.a.
Tenure15 years
Min Investment₹500/yr
Risk LevelVery Low
80C BenefitUp to ₹1.5L deduction
Tax StatusTax-free / EEE status
Public Provident Fund — sovereign government guarantee with tax-free interest (EEE status). Section 80C deduction up to ₹1.5L. Current rate 7.1% p.a. for Q1 FY2026.
NTPC Green Bond
NTPC Limited · PSU
7.65% p.a.
5 years
PSU Bond Low Risk Green
5 years ₹10,000 Low
RegulatorSEBI
Credit RatingAAA
Return7.65% p.a.
Tenure5 years
Min Investment₹10,000
Risk LevelLow
NTPC Green Bond — PSU corporate bond listed on NSE. Annual coupon of 7.65% p.a. 5-year tenor financing green infrastructure projects. AAA rated by CRISIL.
Sovereign Gold Bond (SGB)
Reserve Bank of India
2.5% + gold gains
8 years · Tax-free
Sovereign Tax-free maturity Gold-linked
8 years Min 1 gram Medium
RegulatorRBI
Credit RatingSovereign
Return2.5% + gold gains
Tenure8 years
Min InvestmentMin 1 gram
Risk LevelMedium
Tax StatusTax-free / EEE status
Sovereign Gold Bond issued by RBI — earn 2.5% p.a. interest plus gold price appreciation. Tax-free capital gains on maturity. Companies and HUFs eligible.
NPS — Corporate Model
PFRDA · pension scheme
10–12% est. CAGR
Till retirement · 80C
PFRDA 80CCD benefit Long-term
Till retirement ₹1,000/yr Medium
RegulatorPFRDA
Return10–12% est. CAGR
TenureTill retirement
Min Investment₹1,000/yr
Risk LevelMedium
80C BenefitUp to ₹1.5L deduction
NPS Corporate Model allows employers to contribute to employees pension accounts with additional 80CCD(1B) deduction of ₹50,000 over the 80C limit.
Business insurance — protect your assets and operations (6 products)
Most Popular
Standard Fire & Allied Perils
New India Assurance Co. Ltd
From ₹4,200/yr
₹50L stock & machinery cover
Fire / Flood Stock & assets IRDAI
1-year policy ₹4,200/yr Essential
RegulatorIRDAI Approved
InsurerNew India Assurance Co. Ltd
PremiumFrom ₹4,200/yr
Coverage₹50L stock & machinery cover
Policy Tenure1-year policy
Standard Fire and Allied Perils Policy covers stock, machinery, furniture against fire, flood, storm and allied perils. 92% claim settlement ratio. Required by most commercial lease agreements.
Cyber Liability Insurance
Bajaj Allianz General Insurance
From ₹12,000/yr
₹1Cr cyber breach coverage
Cyber Data breach IRDAI
1-year policy ₹12,000/yr Essential
RegulatorIRDAI Approved
InsurerBajaj Allianz General Insurance
PremiumFrom ₹12,000/yr
Coverage₹1Cr cyber breach coverage
Policy Tenure1-year policy
Cyber Liability Insurance covers data breach, ransomware, phishing, business email compromise and regulatory fines. ₹1Cr coverage. 24-hr dedicated cyber claims helpline.
Keyman Insurance
HDFC Life Insurance
From ₹18,000/yr
₹1Cr life cover · premium deductible
Life cover Tax deductible IRDAI
1–25 years ₹18,000/yr Essential
RegulatorIRDAI Approved
InsurerHDFC Life Insurance
PremiumFrom ₹18,000/yr
Coverage₹1Cr life cover · premium deductible
Policy Tenure1–25 years
Keyman Insurance protects the business against financial loss caused by the death or disability of a key employee or promoter. Premium is deductible as a business expense.
Group Health Insurance
Star Health and Allied Insurance
From ₹4,800/emp/yr
₹5L cover per employee · cashless · 80D
Health 80D eligible Cashless
Annual renewal ₹4,800/emp/yr Essential
RegulatorIRDAI Approved
InsurerStar Health and Allied Insurance
PremiumFrom ₹4,800/emp/yr
Coverage₹5L cover per employee · cashless
Policy TenureAnnual renewal
80D BenefitPremium deductible from taxable income
Group Health Insurance for SME teams of 5–200 employees. ₹5L sum insured per employee with cashless treatment at 10,000+ network hospitals. Premium deductible under Section 80D.
Trade Credit Insurance
ECGC Ltd
From ₹22,000/yr
Up to 90% receivables protection
B2B trade ECGC Export ready
1-year policy ₹22,000/yr Essential
RegulatorIRDAI Approved
InsurerECGC Ltd
PremiumFrom ₹22,000/yr
CoverageUp to 90% receivables protection
Policy Tenure1-year policy
ECGC Trade Credit Insurance protects up to 90% of B2B trade receivables against buyer default or insolvency. Available for both export and domestic trade.
Directors & Officers (D&O)
Tata AIG General Insurance
From ₹28,000/yr
₹2Cr liability coverage per claim
Liability Directors IRDAI
1-year policy ₹28,000/yr Essential
RegulatorIRDAI Approved
InsurerTata AIG General Insurance
PremiumFrom ₹28,000/yr
Coverage₹2Cr liability coverage per claim
Policy Tenure1-year policy
Directors and Officers Liability Insurance covers personal liability of directors and officers for wrongful acts. ₹2Cr coverage per claim including legal defence costs.
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