Prime Policy Experts
Prime Policy Experts
Systematic saving products designed to grow your wealth and help you meet goals like a home, child's education, or retirement. Compare saving plans, fixed deposits, and disciplined insurance saving options.
Get an Instant QuoteChoose tenures and monthly contributions that match your short and long term goals.
Fixed-income saving plans and guaranteed-return options are ideal for capital preservation.
Certain saving products offer loyalty additions or bonuses at maturity to boost returns.
Many saving plans offer tax benefits under applicable sections — check product details.
| Product | Risk | Typical Return | Liquidity |
|---|---|---|---|
| Bank Fixed Deposit | Low | 5% - 7% p.a. | Low to Medium |
| Recurring Deposit | Low | 4.5% - 6.5% p.a. | Low |
| Insurance Saving Plan (ULIP / Endowment) | Low - Medium | 4% - 8% (varies) | Medium - Low |
| Mutual Fund SIP (Debt / Hybrid) | Medium | 6% - 10% (varies) | High |
A saving plan helps you accumulate a corpus over time through regular contributions or a lump sum — choose products based on risk, tenure and liquidity needs.
Only some insurance saving plans and fixed deposits offer guaranteed returns. Market-linked products (mutual funds, ULIPs) have variable returns.
Tax treatment varies by product — some offer deductions and some payouts are taxable. Check product details or consult a tax advisor.
Early withdrawal rules depend on the product; FDs and RD have penalties, while SIP/redemption in mutual funds is usually liquid (subject to exit loads).
