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What is a Savings Plan?
A savings plan is a type of life insurance policy that helps you grow your savings while securing your family’s future. These plans are designed to encourage disciplined financial habits by combining wealth creation with insurance protection—a smart and safe way to build a financial cushion for upcoming goals or unexpected situations.
Savings plans typically offer a guaranteed maturity benefit at the end of the policy term. Some plans also provide regular payouts during the policy duration, helping you manage recurring financial needs like education or healthcare. By choosing a plan with flexible features, you can align your savings strategy with your life goals—whether it’s buying a home, funding your child’s future, or planning for retirement.
In addition to savings, these plans often come with extra benefits such as life cover and critical illness riders, ensuring that your loved ones are financially protected even in your absence. Savings plans are ideal for risk-averse individuals looking for low-risk investment options that offer both insurance and returns.
Explore a wide range of savings schemes through Amba Insurance Services and choose one that fits your future aspirations—backed by trusted insurance providers like HDFC Life.
Why invest in a savings plan?
Investing in a savings plan is a smart financial decision that helps you build long-term security while preparing for life’s uncertainties such as emergencies, home purchases, education expenses, or retirement. These plans not only encourage disciplined saving habits but also offer insurance coverage to protect your family’s future. By starting early and choosing a plan that aligns with your financial goals and risk appetite, you can steadily create a strong financial foundation. A savings plan ensures stability, peace of mind, and a prosperous future for you and your loved ones—making it an essential step toward financial well-being.
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List of Best Savings Plan in India
| Sr. No. | Savings Plan | Interest Rate |
|---|---|---|
| 1 | National Savings Certificate | 7.70% paa |
| 2 | Senior Citizen Savings Scheme | 8.20% pa b |
| 3 | Recurring Deposits | 2.50% to 8.50%c |
| 4 | Post Office Monthly Income Scheme (MIS) | 7.40% pad |
| 5 | Public Provident Fund (PPF) | 7.1% pae |
| 6 | KVP (Kisan Vikas Patra) | 7.5(115 Months)f |
| 7 | Sukanya Samriddhi Yojana (SSY) | 8.2% pag |
| 8 | Atal Pension Yojana | N/A |
| 9 | Mutual Funds | 8-20% pak |
| 10 | Initial Public Offerings (IPO) | 8-15% i |
| 11 | Unit Linked Insurance Plan (ULIP) | 10-24% pak |
| 12 | Pradhan Mantri Jan Dhan Yojana | 2% above base rate not exceeding 12%h |
| 13 | Employee Provident Fund (EPF) | 8.25% paj |
What is Travel Insurance?
Understand How Amba Travel Insurance Protects You During Your Trip
Travel insurance is a financial safety net that protects you from unexpected costs that may arise while you’re on a trip. Whether it’s a leisure vacation, business travel, or international studies, a travel insurance plan from Amba Insurance ensures you’re covered against circumstances beyond your control—like medical emergencies, trip delays, lost luggage, or even theft.
Why Do You Need Travel Insurance?
Travel insurance helps cover financial emergencies that occur while you’re away from home, such as:
- Medical emergencies or hospitalisation abroad
- Loss, theft, or delay of checked baggage
- Trip cancellations or interruptions
- Medical evacuation and repatriation
- Loss or theft of passport and travel documents
- Personal liability and legal assistance
- Hijacking of aircraft
- Emergency cash advance for lost credit/debit cards or traveller’s cheques
- Coverage for missed cruise connections*
- Loss or theft of portable electronic gadgets*
- Accidental injury or death while travelling
4 Best Savings Plan
How to Choose the Best Saving Plan?
Before selecting the top saving insurance plans in India, it is recommended that you first recognise your objectives (both short and long-term). You must also consider your current debts, savings, and your family’s financial needs. Here are a couple of things that can assist you in comparing and selecting the best saving plan for your family:
Assess and compare different plan characteristics and advantages to decide on one that matches your future requirements.
Utilise a savings and income calculator to establish the ideal coverage and premium amount for the savings plan.
Examine if the savings plans provide flexibility to withdraw funds in case of emergencies.
Search for various rider choices to access additional benefits and enhance policy coverage.
