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About Traditional Investment Options

Investing in traditional financial instruments has long been a trusted approach for individuals looking for stable returns, capital preservation, and long-term growth. SIMFINN offers a range of traditional investment options tailored to meet the needs of risk-averse investors. These investment avenues provide predictable returns, lower risk, and structured payouts, making them an ideal choice for individuals seeking financial security and wealth accumulation. Whether you are saving for retirement, children’s education, or future financial goals, SIMFINN’s investment plans ensure a safe and structured approach to wealth building.

SIMFINN offers various traditional investment options that cater to different financial needs. These include Fixed Deposits (FDs), Recurring Deposits (RDs), Public Provident Fund (PPF), National Savings Certificates (NSC), Post Office Savings Schemes, and Life Insurance Savings Plans. These instruments are well-known for their low risk, guaranteed returns, and long-term benefits, making them a preferred choice for conservative investors. With flexible tenures, tax benefits, and assured returns, SIMFINN’s traditional investment options provide financial stability and peace of mind to investors.

Types of Traditional Investment Options

Fixed Deposits (FDs)

A secure investment option that offers fixed returns over a chosen tenure with low risk.

Mutual Funds

A professionally managed investment where funds are pooled into a diversified portfolio of stocks, bonds, or both, offering steady returns and reduced risk.

Equity Investments

Directly invest in company shares, allowing you to benefit from market growth and capital appreciation, though with some level of risk.

Post Office Recurring Deposit (Post RD)

A safe and government-backed savings scheme, where fixed monthly deposits earn guaranteed interest over time, making it ideal for disciplined savings.

Traditional Investment Options Eligibility Criteria

Minimum Age Requirement

Most traditional investment options require the investor to be at least 18 years old. However, minors can invest with a guardian’s supervision, as seen in PPF and Fixed Deposits for minors.

Indian Citizenship

Investments such as PPF, NSC, and Post Office Savings Schemes are available only to Indian residents. Non-Resident Indians (NRIs) may have restrictions on certain schemes.

Minimum Investment Amount

Each investment option has a minimum deposit requirement, such as ₹500 for PPF, ₹1,000 for NSC, and ₹100 for Recurring Deposits (RDs).

Maximum Investment Limits

Some schemes have an upper limit on investment, such as ₹1.5 lakh per year in PPF and specific deposit caps for Senior Citizen Savings Schemes (SCSS).

Bank/Post Office Account Requirement

Investors need to have an active bank or post office account to open and manage FDs, RDs, PPF, and NSC investments.

KYC & Identity Verification

Investors must complete KYC (Know Your Customer) verification, requiring documents such as Aadhaar, PAN card, and proof of address, before opening an investment account.

Features & Benefits of Traditional Investment Options

Stable & Guaranteed Returns

Traditional investment options like Fixed Deposits (FDs), PPF, and NSC provide fixed and predictable returns, making them ideal for risk-averse investors.

Low-Risk Investment

These investment avenues are government-backed or bank-regulated, ensuring safety of capital and minimal risk of loss.

Long-Term Wealth Accumulation

Investments such as PPF, NSC, and Life Insurance Savings Plans help in long-term financial planning, ensuring a secure future for you and your family

Tax Benefits Under Section 80C

Many traditional investments, including PPF, NSC, and Life Insurance Policies, offer tax deductions of up to ₹1.5 lakh under Section 80C of the Income Tax Act.

Flexible Investment Options

Investors can choose between short-term and long-term tenures, such as 5 years for NSC, 15 years for PPF, and various FD tenures, based on their financial goals.

Ideal for Retirement & Financial Security

Traditional investments provide steady income post-retirement, ensuring financial stability and peace of mind for senior citizens and individuals planning for the future.

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Our Clients

Our home loan clients trust us to provide tailored financial solutions that make homeownership more accessible and affordable. With competitive interest rates, flexible repayment options, and a seamless application process, we help individuals and families achieve their dream of owning a home. Our commitment to customer satisfaction ensures personalized service and expert guidance at every step.

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Satisfied Customers

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Home Loans Disbursed

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Loan Approval Rate

Documents Required For Traditional Investment Options

  • Aadhaar Card
  • PAN Card
  • Voter ID
  • Passport
  • Driving License
  • Electricity/Water/Gas Bill (not older than 3 months)
  • Bank Passbook/Statement with Address
  • Ration Card
  • Rent Agreement (if applicable)
Required for tax compliance and identity verification
Two recent passport-sized photographs are required for account opening.
Cancelled cheque or bank passbook copy for linking the investment account to a savings account.

Birth Certificate, School Leaving Certificate, or Passport (for minor accounts or senior citizen schemes).

Required if the investor wishes to nominate a beneficiary for schemes like PPF, NSC, and Fixed Deposits.

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FAQs About Traditional Investment Options

Health insurance is a policy that provides financial protection against medical expenses, including hospitalization, surgeries, and treatments. It helps reduce out-of-pocket costs and ensures access to quality healthcare.

The Public Provident Fund (PPF) is one of the best long-term investment options, offering tax-free returns, compound interest, and a 15-year lock-in period, making it ideal for wealth accumulation.
Yes, traditional investments like PPF, NSC, and Fixed Deposits are considered safe as they are either government-backed or regulated by financial institutions, ensuring capital protection and steady returns.
NRIs (Non-Resident Indians) cannot invest in PPF and NSC but can continue an existing account if they opened it before becoming an NRI. However, they can invest in Fixed Deposits (NRE/NRO accounts) offered by banks.
Yes, investments like PPF, NSC, and Life Insurance Savings Plans offer tax deductions of up to ₹1.5 lakh per year under Section 80C of the Income Tax Act.
Some investments, like Fixed Deposits and NSC, allow premature withdrawals with penalties. However, schemes like PPF have a partial withdrawal option after 5 years under specific conditions.