Top 10 Best Money Doubling Schemes in India
Top 10 Money Doubling Schemes in India

Top 10 Money Doubling Schemes in India 2022

Updated: 1 Jan, 2022

You won’t have any shortcut to double your money overnight because there’s no magic in wealth creation. Wealth creation requires planning, patience, and early action. You will come to know about legitimate schemes to double your money.

Before we proceed you should first learn about the “Thumb Rule 72”.

What is Investment Thumb Rule of 72?

Rule 72 or Thumb Rule of 72 is a simple formula to know how much time your invested money will take to become double in the amount on the fixed rate of return.

The Formula is – Divide 72 with the Rate of Return on your Investment (ROI).

Let’s understand with the example below –

Assuming your investment in a Fixed Deposit at an interest rate of 6% p.a.

According to Rule 72,

the formula is “72/Interest rate”

= 72/6 = 12 years.

This means if you invest Rs. 1 lakh in FD today, it will take 12 years to become Rs. 2 lakhs.

How to Double Money in 5 Years

If you want to double your money in 5 years, then you can apply the thumb rule in a reverse way.

Divide the 72 by the number of years in which you want to double your money. So to double your money in 5 years you will have to invest money at the rate of 72/5 = 14.40% p.a. to achieve your target.

If you look for secure investment options, there is no option that offers 14.40% returns. You can expect that return from mutual funds & the stock market but those are not secure investment options.

Top 10 Best Money Doubling Schemes in India 2022

#1. Tax-Free Bonds

Government issue Tax-Free Bonds to raise capital. Tax-Free bonds have a long-term maturity of 10 years to 20 years. You cannot liquidate the bonds before maturity.

You can expect a 5.50% to 6.50% rate of interest on Government Bonds. Bonds are a better deal than Fixed Deposits because your maturity corpus is tax-free as compared to a tax deduction on maturity amount in FDs.

You can double your money in 12-15 years based on the interest rates.

Tax-Free bonds are ideal for those people who come under tax bracket and want to invest for long term without putting money at risk (like stocks).

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#2. Corporate Deposits/Non-Convertible Debentures (NCD)

Non-Convertible Debentures (NCDs) are good long term investment options for those who want to invest in safe instruments but want better returns as well. NCDs (or Corporate Deposits) offer better interest rates than other schemes ranging between 5.50% to 9%. Their rate of interest depends on their CRISIL or ICRA ratings.

Big companies issue NCDs to accumulate long-term capital. Its a kind of taking a loan from the public and paying interest in return.

corporate fd rates

Image Source: ETMoney.Com

NCDs offer good returns, liquidity, and low risk.

You can double your money in approx. 8-10 years by investing in NCDs.

#3. National Savings Certificates

National Savings Certificates is a fixed income investment offered by the Postal Department of India. These are one of the safest investment avenues. NSCs come with a fixed interest rate and fixed tenure i.e. for 5 years and 10 years. You can also get tax benefits as no TDS is deducted on the maturity amount and you can also get tax rebate up to Rs.1.50 lakhs u/s 80C.

Along with that, you can also use NSCs as collateral security to get a loan from banks.

The current interest rate on NSCs is 6.8%.  Your money will be doubled in 10.5 years.

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#4. Kisan Vikas Patra (Post office scheme to double the money)

Kisan Vikas Patra (KVP) is a certification scheme in which invested money gets doubled in around 10 years based on the interest rate. KVP is a financial product of the Post Office.

Currently, KVP offers a 6.9% interest per annum.

KVP is a safe investment as it is not subjected to market risks. Double the investment is guaranteed once the tenure ends.

KVPs are more flexible than PPF or Bonds as you can withdraw from the KVP scheme after 2 ½ years. KVP can be transferred from one person to another person easily.

It can be used as collateral security in banks against loans. You can check the full details of post office double money scheme here

Kisan Vikas Patra (KVP) Interest rate – 6.9%

Post office interest rates table 2022

Investment Interest Rate
Post office savings account interest rate4%
National savings recurring deposit (5 years)5.8%
1 year fixed deposit 5.5%
2 year fixed deposit 5.5%
3 year fixed deposit 5.5%
5 year fixed deposit 6.7%
Kisan Vikas Patra6.9%

#5. Public Provident Fund (PPF)

Public Provident Fund (PPF) is a long term and risk-free saving scheme by the government of India. This scheme offers a tax-exempted return on investment with an added interest of around 7.10% per annum.

You can double your amount in 10 years by investing in PPF.

You can open PPF account in the post office as well as in the banks. The PPF has a minimum tenure of 15 years, but you can extend the investment in blocks of 5 years each time.

You have to contribute at least once a year till maturity.

#6. Bank Fixed Deposits

Fixed deposits are the most widely used investment instrument in India.  You can open FD in banks as well as Post Offices. You may get better interest rates in the post office as compared to banks.

FDs give you an annual return around 2.90% to 5.30% (0.5% to 1% higher for senior citizens). You can double your amount in more than 14 years.

You will have to pay tax on the maturity corpus if the interest accrued is more than Rs. 10,000. However, senior citizen can get tax exemption on the interest earned against Fixed deposits. The exemption is up to Rs. 50,000 of interest earned.

#7. Mutual Funds

Mutual funds are the most convenient way of investing in the markets when you do not have the time and expertise. You can take a little risk but rewards are good.

If you invest in equity mutual funds, you can expect a return in the range of 14% to 18%. Some funds like L&T India Value, Mirae Asset India, and ICICI Prudential Blue Chip has delivered return in the past.

You can double your income in 4-5 years.

The investment in mutual funds can be a lump sum or monthly SIP for an amount as low as Rs. 500.

#8. Stock Market

Stock investment is the best option for persons looking for growth and building wealth. Investing in direct stocks carries higher risks but returns are high. You may lose as much as 50% of the capital.

On the other side, if we talk about returns on individual stocks are high (>20%) for fundamentally strong companies over a longer period of time.

For example, Eicher Motors generated a 5-year CAGR of 28.77%.

Top 10 Money Doubling Schemes in India

Image Source: Statista.Com

Currently, NSE has crossed 12000 mark.  You can see NSE crossed double in the last 10 years. The last 1-year return of NSE is 12.40% and in the last 2 years generated a 26.5% return.

You can expect to double your money in 3.5 years, however, I would recommend investing for long-term (more than 5 years) in stocks.

#9. Gold/Gold ETFs

Love for the Gold is irresistible for Indian.

Gold has given consistent returns of around 10% in the previous years. A better way to invest in gold is to invest in Gold ETF and gold bonds.

You can also invest in Sovereign Gold Bond Scheme regulated by government and RBI. You will own gold in the ‘certificate’ format. The value of the bonds is assessed in multiples of the gold gram. The initial minimum investment is 1 gram of gold.

You would earn 2.5% interest per annum on the amount invested. The Lock-in period is 8 years.

You can double your amount in 8 years approx.

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#10. Real Estate

The investment in residential real estate generates regular rental income and appreciation. You can get the benefit of owning an asset, have diversification and even save on taxes (tax exemption on home loan).

You can expect an annual return of 11%. The amount of property can be doubled in 6-7 years.

Real Estate investment requires huge capital to invest and return depends on multiple factors like location and other infrastructure developments in nearby regions.


Now you have come to know about 10 legitimate schemes to double your money in India. Let me know about your thoughts in the comments.

104 thoughts on “Top 10 Money Doubling Schemes in India 2022”

  1. Dear All,

    The best way to Invest money and get good profits is Healthcare Industry. We are seeing many new infections such as swine flu, bird flu, meningitis, ICU related infections and other respiratory diseases due to increasing water, air and meat pollution in our country. Govt. Is estimating that infection diagnostics market will grow to several billion dollars within next 3 to 5 years. This is the reason, we did our PhD in Molecular diagnostics and research in healthcare and setup our own diagnostic lab in Bangalore. All corporate hospitals are sending us patient samples every day for above infections and we provide them accurate results within 24 hours time. We are open to provide shares in our company against your investment. We are now 3 years old and our growth has been 100% compared to last year. If you feel really believe about healthcare investment will boom, kindly contact me. Thanks. Dr. ARJUN

    1. Pravesh Khelawanlall

      Good day Dr. Arjun
      I take interest in your proposal to invest in you medical diagnostic company.
      Could you provide me with more information.

  2. Sir,I am govt Retd employee. I want to invest Rs 15 lakh of my retirement fund.I can’t take risk.Which is the best scheme of P.O. or bank ? Please also tell ..are NSC’S better for me? Interest is taxable or not?

    1. Sire invest in Senior Citizen Savings Scheme (SCSS) in any Post office and you get 8.6 interest rates and the max you can park is 15 Lakh. So will be safe and best return of investment.

  3. Greetings..

    I’m also an investor, invested on Bike taxi so I’m suggesting this opportunity..

    Here u need not to have any bike nor keep any driver or put petrol everything will be taken care by the Company only including all expenses..

    It’s a 12 months contract between company & us.. Every month u will receive ur amount from company directly into ur bank account..

    Company also provides u an online account where everything will be mentioned..

    Yes we shouldn’t invest blindly but can v have any business without risk apart from keeping money in bank or on property..?? All business is a race where we have to identify & make money when their is a possibility..

    If anybody interested kindly write or call me in below contacts, Tnx..

    [email protected]

  4. In bad market days invest in equities n mutual funds. In staggered manner when market stabilises more investment s. Equity related mutual funds gave me good returns in past. Equity holding is giving me steady earning too!

  5. we are give you 30% return p.a. with bank guarantee. we are invest in startups and spelized governments work. whatsapp 7016022759

  6. I hav two lakhs …i want to invest for two years ..i am from Andhra.. i want to get more double mony to go to abroad for studies..aftr two yrs how much i get..Is there any best investment…

    1. Abhishek Mishra

      I can get you 30% in a year, So if you are ready to invest 2,00,000 for 2 years you can get 3,20,000. If interested please whats app on 9886311127.

  7. Avinash Dsouza

    Need monthly interest with full safety of fund please suggest me best investment plan
    Watsapp me 00968-92619225

  8. Greetings..

    if anybody interested to invest in Bike Taxi kindly call, its a real model of business running..

    Business model, Investment & Revenue Benefits:

    For 1 Bike:

    Investment Done For 1 BIKE-TAXI= RS. 62,100
    Monthly Reimbursement – RS. 5,175
    Monthly Rental Income – RS. 4,590
    Total Monthly Income – (5175 + 4590)= RS. 9,765
    Total Yearly Income- (9765 X 12) = RS. 1,17,180
    Total Profit = (1,17,180 ? 62,100) = RS. 55,080

    For 3 Bikes:

    Investment Done For 3 BIKE-TAXI RS. 1,86,300
    Monthly Reimbursement ? RS. 15,525 (5175*3 bikes)
    Monthly Rental Income- RS. 13,770 (4590+4590+4590)
    Monthly Bonus Rental Income- RS. 4,590
    Total Monthly Income
    (15,525 + 13,770 + 4,590) RS. 33,885
    Total Yearly Income- (33,885 X 12) = RS. 4,06,620
    Total Profit = (4,06,620 ? 1,86,300) = RS. 2,20,320

    Note: Bonus extra rental eligibility depends on investment, this will be calculated depending upon your investment capacity & calculations will be given accordingly, Bonus eligibility starts with minimum 3 Bikes & for 5 Bikes, 7 Bikes, 9 BIKES, 11 bikes, etc.?…

    Business opportunity also available with investment..

    Do not miss this golden opportunity..

    for more and detail information pls call on 7892601384 or write to me..

    warm regards

    [email protected]

      1. It must be Fake model. Rent is fine but why and how will they survive if they paid monthly reimbursement amount Rs. 5175 / bike – taxi.
        It’s not logical

  9. Dear All,
    I am retired.
    My investment limit is upto one lac.
    I need 30k per month.
    What is the best way to invest ? Where and When ?
    Pl. reply.

    1. You can invest around 4 lakh to get 30k monthly..
      If you are interested then contact me
      Contact no – 7978162080

    1. What is the minimum amount to avail double the amount within 3 months?? Can i start with a very small amount to test the waters and slowly scale it up…


      1. Jairus D Souza

        Hello Ramesh If u want to invest in Film ? Production Studio with a handsome profit life long do contact me at 7233833233.

  10. I want to double. My money in 5 to 6 years term. Please suggest the safest plan my cell no 9075179394 please call

  11. Need monthly interest with full safety of fund please suggest me best investment plan
    Call me 9841105550

    1. If you want monthly interest on investment for lifetime and you want your investment 100% safe then you should invest your lumpsum money in lic Jeevan Akshay policy it gives monthly returns on your amount invested contact me on below email address if you are interested

    1. if i invest 2lacks in 2.5 years how much i will get after 3 years.
      i want to study for MBA , after 3 years .

      i am doing BA 1year and also doing job in a company .
      i am 18.3 years old .
      so please suggest me about this.

    2. namaste… if u invest 2,00,000 and after 3 years u vl get 2,90,000….. the investment goes for award winning films production… more details wts ap on 9035717143

  12. Dr umesh hambire

    Start with SIP and a small amount of lumpsum Mutual fund and then you can move to Portfolio management services.

  13. siddhartha Humne

    Invest in Gods work Lord Jesus Say, Love your Neighbor and enemy like your body . i surely give you guaranty your money will be 100 time dabble .
    May God bless you.

      1. Hi Ananth, please do your due diligence before investing anywhere. Most of the alternate investment options fail and its best not to share your financial details with people here.

    1. Sir
      I am a Insurance advisor working in LIC of India @kerala.I offer a good investment plan in Lic.we have pension plan JEEVAN AKSHAY.It will give 7.5% p.a guaranteed pension in your life long and your wife (after your death).The investment amount is return to your children as if.please contact me if you interest in this plan
      Babulu 9048508188

    2. Sir…myself Deepak kumar Nahak from odisha…Sir kindly invest your money in health sector…and work dedicately to serve patients very well…then your money will be doubled within 2 years or less. ..if u are intrested then u can contact me…
      7788866605 at this number

  14. The better way to invest is on education sectors, there your money will be increasing and also it will be safe.

  15. If any any person investment mony in business I have different-different types business Plan.
    Contact me 09927053980

      1. Hi
        I am investment researcher. For any queries, you can call

        9970 966 304 | Dr. Ketki
        11-2 mornings, weekdays.

      2. U can invest your money in health sector…if u r intrested to invest in health sector then contact me at this no.

  16. The article first looked like a click bait about some Ponzi scheme. Money doubling schemes in India are notorious for fooling people. But the author explains how you can invest in reliable schemes for long term and double your money. The rule of 72 is the best thumb rule to use.

  17. Very good advise and tips on how to double your money. There is risk in every thing we invest.

    My advise to those people who are claiming that you have savings money and would like to invest, don’t blindly believe in a person who claims that they will double your money or triple your money very fast. Do your own home work, ask what kind of investment schemes they have, understand the risk associated with them before you commit your savings.

  18. Dear friend i have around 25 lakhs to invest and really want this amount to get double please suggest me best and secure option.

    1. Mr.Khan I have a best plan for you if u intrested then contact me my whatsapp no is 7351336414 and my calling no is 9205831847.

    2. Khan!

      If you are still interested in investment, please mail me to share the details

      Can be doubled up in 5.5 Years


  19. Pujan Dhamecha

    I am an employee,with average income.But i have saved around 50k which i can invest for a period of 6 months.Please suggest the best way of getting max returns on this small saving.

    At last i will have to go for term deposit

    Thank you

  20. Mr Jain ,
    I want to invest lump sum amount of Rs. 3 lacs in share market for 10 years. Pls suggest the best way to maximise the return.

    1. Mam…if u want to double your money within 3 years then best way is that invest your money in health sector…I guaranteed that your money will be doubled within 3 years…if u r intrested then kindly contact me on this no. 7788866605

    2. Swati

      If you are interested in a company investment to get money doubled up in 5.5 years, let me know


    1. Thanks Suresh Sir for your comment. Every market linked instruments are high risk investments but one should understand that no risk no reward and high risk high reward.

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