Best Investment on HMDA / DTCP Plots Agriculture Land / Farm Lands

Best Investment Option in HMDA Plots, DTCP Plots, Agriculture Land & Farm Lands

Hyderabad is emerging as one of India & South-Asia’s fastest growing cities, the rate of expansion of the city in terms of commercial & residential properties is an encouraging sign for the promise the real-estate market offers in Hyderabad over the next couple of decades or longer. As the city expands its reaches, there are many developments on the outskirts of the city offering open plots & farm lands for sale.

KFortune also has open plots & farm lands for sale! Check out our projects and invest now if you are looking for great investment opportunities.

Let’s see as to why these types of property are hot in the market & the advantages one has on buying such property:

  1. Best Secondary Income Source – Owning property naturally open up the options of generating a second income along with the main income from your daily profession. Having your own open plot or farm land gives even more options in terms of flexibility of your secondary income. With open plots & farm lands you can:
  • Lease out the plot to a farmer or cultivators on a monthly or yearly basis.
  • Cultivate your own crops/produce by hiring adept farmers and earn profits from sale of produce.
  • Give the land out for rent for commercial use. 

As you earn secondary income from your plot/farm land, the value of the land also keeps increasing with time.

  1. High Appreciation Factor – As mentioned, land is a unique kind of asset that is not affected by market trends and can be in great demand in the future provided the location is chosen wisely. These factors greatly influence high appreciation factor on land value. Open plots & farm lands can be utilized for multiple purposes – residential or commercial which makes it even more desirable as scope for utilization is limitless and this results in even better appreciation over time.
  1. Options for an Eco-Friendly Lifestyle – Owning an open plot or farm land gives you the choice of living a healthy lifestyle – you can grow and consume your own organic & fresh produce from your plot/farm, or you can choose to move your residence to live on your farm land, away from the noise & pollution to enjoy a clean, natural living environment.
  1. Stand-Alone Asset – The appreciation value of land as an asset does not have any correlation with external factors. Even if there is a market crash or the economic flourish in the market is nearing its end, the value of open plots & farm lands will not be affected and more often than not it becomes even more of a desirable, profitable asset providing good returns. Properties like open plots & farm lands provide good returns at lower risk and are assets with no-correlation to other major asset classes. These benefits make open plots & farm lands as an advantage for diversified asset portfolios.
  2. Security Against Inflation – Real-estate property is known to be a great hedge against inflation and rising costs, open plots & farm lands are no exceptions to this. When inflation drives costs higher, the value and demand for properties also increases. Rental or any kind of steady secondary income from open plots & farm lands and appreciation of land value outdo inflation costs easily. If strategic investments are made time to time to improve your land, the returns will greatly outrun increasing costs due to increase in GDP & inflation.
  1. Rapid Future Growth & Development – Most of the open plots and farm land projects that we offer are located strategically in areas that come under the future development plans of major cities. As buyers look to de-centralize from the city for better living conditions and the government is planning for de-densification to make cities less congested. This will make open plots & farm lands more valuable in the future and one can expect high rent/lease returns and high demand for such property.
  1. Asset Leverage for Financing – Owning open plots & farm lands can also be used as collateral for education/home loans (most big loans) while still earning secondary income from your land. The combination of income from your property and income from daily profession will help pay-off loans quickly at shorter intervals with lower interest rates.

Top 10 Best Investments in India 2020:

Basically, people invest either to make their life financially secured or to reach their investment goals. investment is the best option for any individual to attain financial security apart from financial security investment enables to accomplish the financial dreams. if you choose the best investment option in India, which in turn will not only lead you towards a secured life but also it will make your future fascinating. The only reason behind the investors quest for the best investment plans is, the maximum accumulation of capital within less time.

As we know, both risk and returns are directly proportional to each other i.e. the more risk more returns and vice-versa. Before investing in to anything it is mandatory to go through the pros and cons of the subject. Basically, the investments options can be classified into two types they are:

·         Financial Assets

·         Non-Financial Assets

Financial Assets:

Bank Deposits, PPF, Mutual Funds, Stocks (Market linked products) Etc.

Non-Financial Assets:

Land, Gold etc.

Top 10 Best Investments in India:

·         Unit Linked Insurance – 15.3% to 9.9%

·         PPF – public Provident Fund – 7.9%

·         Mutual Funds – 10.25%

·         Fixed Deposits (Banks)

·         NPS – National Pension Scheme – 8.5%, 11%

·         SCSS – Senior Citizen Savings Scheme – 8.7%

·         Direct Equity – 8%, 13%

·         Real Estate – residential plots , agricultural land.

·         RBI Taxable Bonds – 7.75%

·         Gold ETF – 6% to 7.5%

Bank Deposits:

Top 20 Banks Providing Highest Bank FD Rates in India 2020:

Here is the list of top 20 banks that are providing best FD rates in India for the year 2020.

Bank

Regular Citizens for 1 Year

Senior Citizens for 1 Year

Regular Citizens for 3 Years

Senior Citizens for 3 Years

Regular Citizens for 5 Years

Senior Citizens for 5 Years

IndusInd Bank

6.65%

7.15%

6.75%

7.25%

6.75%

7.25%

DCB Bank

7.00%

7.50%

7.70%

8.20%

7.50%

8.00%

Kotak Mahindra Bank

6.30%

6.80%

6.20%

6.70%

6.10%

6.60%

YES Bank

7.25%

7.75%

7.25%

7.75%

7.25%

7.75%

ICICI Bank

6.20%

6.70%

6.40%

6.90%

6.30%

6.80%

HDFC Bank

6.30%

6.80%

6.40%

6.90%

6.30%

6.80%

SBI

6.00%

6.50%

6.00%

6.50%

6.00%

6.50%

RBL Bank

7.40%

7.90%

7.20%

7.70%

7.35%

7.85%

Axis Bank

6.55%

7.20%

6.50%

7.00%

6.50%

7.00%

DBS

6.50%

6.50%

6.50%

6.50%

6.50%

6.50%

IDFC First Bank

7.25%

7.75%

7.25%

7.75%

7.25%

7.75%

Bandhan Bank

6.95%

7.70%

6.75%

7.50%

6.75%

7.50%

Canara Bank

6.40%

6.90%

6.25%

6.75%

6.25%

6.75%

Federal Bank

6.50%

7.00%

6.60%

7.10%

6.60%

7.10%

OBC

6.25%

6.75%

6.25%

6.75%

6.25%

6.75%

Bank of Baroda

6.25%

6.75%

6.25%

6.75%

6.25%

6.75%

Lakshmi Vilas Bank

7.50%

8.10%

7.50%

8.10%

7.25%

7.85%

How to Choose the Best Fixed Deposit Scheme?

Before choosing the best fixed deposit scheme to get maximum returns one should remember the following things while investing in a FD’s.

·         FD Rate – Fixed Deposit Rate

·         Term

·         FD Calculator – Fixed Deposit Calculator

·         Reliability

·         Payment

Reliability:

Every investment is based on safety and security, some of the financial systems may offer more interest rate which might lead to risk. It is always advisable to check the financial systems certification before investing.

FD Rate – Fixed Deposit Rate:

Basically, the FD rate depends on the tenure or the term you are planning to invest money on fixed deposits in banks. Most of the banks are providing high FD rates depending on the term. Before planning to invest, once after deciding your investment goal then choose the best and high FD rates proving fixed deposit scheme.

Term/Tenure:

When you are thinking of investing in the fixed deposits then the second most important thing is time i.e. is tenure besides the FD interest rate. The FD rates which are provided by the banks variate with term or tenure, literally the banks will provide more FD rate for maximum tenure and vice-versa.

For example if you are planning for a long term to gain more returns and you think that in future the Bank FD rates will be increasing then in that case you can select the short terms or else if you think that the current FD rates are maximum and there will be no hike in them for the next 5 years then you can choose the long term plans.

FD Calculator – Fixed Deposit Calculator:

FD calculator is an electronic device which is available on all Banks websites as an online tool, so before investing in the Fixed Deposit schemes once visit the Banks website and check and compare the FD rates provided by different banks.

Payment:

Basically, bank offers 2 types of fixed deposits in India they are Cumulative Fixed Deposits and Non-Cumulative Fixed Deposits.

In Cumulative fixed deposits, the interest compounded on fixed deposits under this scheme will be added either quarterly or half-yearly or annually to the principal and will be paid at the time of maturity.

Under non-cumulative fixed deposits, the interest will be paid either quarterly or half-yearly or annually depending on your option.

PPF – Public Provident Fund:

PPF – Public Provident Fund scheme is fully guaranteed by the Government of India, PPF scheme was introduced by the Government of India on 12/12/2019 to offer investment with reasonable returns with tax benefits.

PPF Account:

An individual can open a PPF account by using the Form1. On behalf of the minors the parents can open an account.

Maximum Amount can be deposited in PPF Account Per Year:

·         Maximum Amount: 1,50,000/- (one Lakh Fifty thousand)

·         Minimum Amount: 500/- (Five hundred)

Interest on PPF 2020:

Interest at 7.9% per annuum, and the interest will be credited at the end of every year.

Withdrawal of PPF Account:

PPF account holder at any time can withdraw after the maturity period and the amount can be withdrawn by using the Form2.

Mutual Funds:

Mutual funds are investment funds which are maintained by the professionals. Basically, mutual funds are money pools from group of investors to purchase securities. Since mutual funds are organized by the professional investors, investing in mutual funds will have both the advantages and disadvantages when compared to investing as an individual in purchasing security.

Advantages of Mutual Funds:

·         Mutual funds are organized by the professional investors.

·         Mutual funds provide liquidity.

·         Mutual funds provide high level of diversity.

Disadvantages of Mutual Funds:

·         Must pay various fees and other expenses.

·         Mutual Funds are subjected to market risks.

Top 10 Mutual Funds to Invest in India 2020:

·         ICICI Prudential Equity & Debt Fund

·         Mirae Asset Hybrid Equity Fund

·         Axis Bluechip Fund

·         ICICI Prudential Bluechip Fund

·         L&T Midcap Fund

·         HDFC Mid-Cap Opportunities Fund

·         L&T Emerging Businesses Fund

·         HDFC Small Cap Fund

·         Motilal Oswal Multicap 35 Fund

·         Kotak Standard Multicap Fund

Stocks:

Stock is the combination of all the shares into which the ownership of the corporation is divided. Or the combination of all the shares is also called as Stock. When it comes to the single share then it refers to the fractional ownership of the company or corporation.

Basically, we can buy these stocks or sell these stocks on stock exchanges and the transactions are regulated and monitored by the Government to protect the investors from the consequences.

Top 10 Stocks to buy in India in 2020 for next 10 years:

·         Dabur India

·         Tata Steel

·         ICICI Bank

·         Indian Oil Corp

·         Maruti Suzuki

·         Bajaj FinServ

·         Bharat Electronics

·         HDFC Bank

·         IndusInd bank

·         Jubilant Food works

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