How to Invest ₹10 lakh in India with diversification?

Investing ₹10 lakh in India with diversification is a smart approach to balance risk and returns. Here’s a well-diversified strategy:

1. Equity (Stock Market) – ₹3 Lakh (30%)

• Mutual Funds (₹2 Lakh): Invest in a mix of Large-cap, Mid-cap, and Small-cap mutual funds via SIP or lump sum.
• Direct Stocks (₹1 Lakh): Invest in blue-chip stocks and growth stocks from different sectors like IT, Banking, FMCG, Pharma.
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2. Debt Investments – ₹2 Lakh (20%)

• Fixed Deposits (FDs) (₹1 Lakh): Opt for high-interest FDs in banks or NBFCs.
• Debt Mutual Funds (₹1 Lakh): Short-term or liquid funds for stability and emergency liquidity.
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3. Gold – ₹1 Lakh (10%)

• Sovereign Gold Bonds (SGBs) (₹50K): Earn interest along with capital appreciation.
• Gold ETFs/Digital Gold (₹50K): Easy to buy and sell.
• Open A Free Mutual Fund Account Online 

4. Real Estate – ₹2 Lakh (20%)

• Invest in REITs (Real Estate Investment Trusts), which provide exposure to commercial properties without needing large capital.
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5. Alternative Investments – ₹1 Lakh (10%)

• Cryptocurrency (₹50K): Invest in blue-chip cryptos like Bitcoin or Ethereum with caution.
• Peer-to-Peer Lending (₹50K): Platforms like Lendbox or Faircent offer fixed returns.

6. Emergency Fund – ₹1 Lakh (10%)

• Keep in a high-interest savings account or liquid mutual fund for emergencies.

Note: This diversified portfolio balances risk and potential returns. Based on risk appetite, you can adjust allocations, focusing more on equities if you seek higher returns or more on debt for safety.