Investment Products
A neutral overview of popular investment avenues. Educational only — not investment advice.
Investment Products – Overview
Borrowers often decide between prepaying a loan and investing surplus cash. This page summarises common product types.
Not investment advice. Verify with official sources or a SEBI-registered adviser.
Check Your Eligibility & EMI
Plan instalments with the EMI calculator. Final eligibility rests with the lender.
Top Lenders / Issuers (Indicative)
Figures change. Verify before applying.
| Bank / NBFC / Issuer | Interest / Return | Amount | Tenure | Fee |
|---|---|---|---|---|
| Bank FD | Issuer rate card | Deposit amount | 7 days–10 yrs | Usually nil |
| SCSS | Notified govt rate | Within scheme cap | Scheme tenure | As per scheme |
| Debt mutual funds | Market-linked | Flexible | Open/fixed | Expense ratio |
| Equity mutual funds | Market-linked | Flexible | Open/fixed | Expense ratio |
| PPF | Notified rate | Annual limits | 15-year base | As per rules |
*Indicative only.
Everything You Need to Know
Eligibility Criteria
| Factor | Common expectation |
|---|---|
| Bank FD / RD | Resident individuals; bank KYC |
| PPF | Resident individuals; contribution limits |
| SCSS | Eligible senior citizens under scheme rules |
| Mutual funds | KYC-compliant investors |
| Loan link | High-cost debt often prioritised over low-yield assets |
Documents Required
- Official scheme brochure
- KYC as required by issuer
- Age / status proof for SCSS where applicable
Processing Fees & Charges
Investment products have expense ratios or spreads. Loans have processing and interest costs — compare total impact.
Application Process
- Clarify goal and horizon
- List existing EMIs
- Compare prepayment vs investment return
- Consult a qualified adviser for securities
- Use authorised channels only
FAQs
Does LoanPao sell investments?
No. We help compare loans. This page is educational.
Should I invest or prepay?
If loan interest is high, prepayment often wins — run your numbers.
What is SCSS?
Senior Citizen Saving Scheme for eligible seniors. See our SCSS page.
Are MF returns guaranteed?
No. Market-linked products can gain or lose value.
Is this regulated advice?
No. General information only.
Where to open SCSS?
Authorised banks and post offices.
Loan to invest?
Leverage increases risk. Know FOIR and downside first.
FD interest tax?
As per IT rules; confirm with a CA.
MF documents?
PAN, KYC, bank account via AMC or distributor.
Loan enquiry on LoanPao?
Use Apply / Enquiry or call +91-999-163-4766.