Best Investment Options for Monthly Salary in India (2025)

How to allocate a portion of your monthly salary across the best investment options available in India today.

SIP (Equity) — Grow with Time

SIPs in equity funds are the core growth engine for monthly investing. They combine discipline with compounding.

PPF and Tax-efficient Instruments

Use PPF for guaranteed, tax-free returns. Consider ELSS funds for tax-saving SIPs (80C) if you want equity exposure + tax benefit.

Debt Funds & Fixed Deposits

For conservative portions of your salary, short-term debt funds or FDs provide stability with modest returns.

Gold (SGB / ETF)

Keep a small allocation to gold as a hedge; SGBs are recommended for long-term investors.

Putting it Together

Example: If you invest 20% of a ₹50,000 salary, you might split: Equity SIP 60%, PPF/Debt 25%, Gold 10%, Liquid 5%. Use our calculators to test alternatives.

Use the Smart Salary Investment Calculator and SIP Calculator to model these allocations.