The best way to invest your Diwali bonus

26 October, 2023

Diwali is the festival of lights and a celebration of the triumph of good over evil. While it is an exciting time of the year, it can also be an opportunity for growth. In today’s times, it has become crucial to consider your financial life with as much attention as you would give to other areas of your life. One of the best ways to create wealth and a brighter future for yourself is to invest. With many getting their Diwali bonus at this time of the year, this is the best opportunity for a good investment. Continue reading to learn more about the best ways to invest bonus money this Diwali.

What are the best ways to invest your Diwali bonus?

Here are some key tips to save your Diwali bonus:

Savings Account

A tried and tested way to invest your Diwali bonus is to stash it away in a Savings Account. A Savings Account is a safe place for you to park your idle funds and ensure you do not spend them needlessly. Plus, you can also make the most of the interest rates offered and earn additional income. The festive season is a great time to open and invest in a Savings Account, as you can avail of various deals and offers on the associated terms. For instance, HDFC Bank, as part of Festive Treats, gives you the chance to easily open a Savings Account online and enjoy account benefits like cashback offers and exciting card offers (offers are subject to terms and conditions).


Another investment option that is best suited for Diwali is gold. Whether you purchase it for ceremonial reasons or as jewellery, gold is an investment that rarely disappoints. While the lustrous metal definitely adds to the sparkle of the festivities, it is also a great asset to have in your portfolio. You can sell it off when it appreciates in value or use it as collateral to procure financial aid if you ever need it. In the meanwhile, you can wear it as jewellery or pass it off as family heirloom to loved ones. Thus, you can use your Diwali bonus to invest in gold and make wise financial decisions. Explore these offers to make the most out of your gold or jewellery investment:

  • Get flat ₹200 off on all jewellery at Giva website with HDFC Bank Cards (T&C apply). 

  • 10% cashback at CKC Jewellers on purchase using HDFC Bank Credit Cards & EasyEMI (T&C apply). 

  • Get instant 10% discount with HDFC Bank Credit Cards & EasyEMI on shopping at Bhima Jewellers (T&C apply).

Click here to read more about buying gold during Dhanteras here.

Emergency fund

Investing your money is not limited to wealth creation. It also includes putting aside funds for when you will need them the most. To that end, you must invest in an emergency fund. Ideally, you should be setting aside a portion of your income each month and investing in this fund. However, you can also begin by setting aside a bit of your Diwali bonus. Make sure not to use this fund for frivolous expenses. Thus, if you are ever in a financial crunch, you can easily dip into this stash without worry. Use this Diwali as the perfect opportunity to opt for financial security even during unforeseen circumstances!

Demat Account

You should aim towards creating a diverse portfolio and invest in a range of instruments. For instance, you can pick from an array of mutual funds to invest in various asset classes in one go. You can pick an option that aligns with your investment goals. For instance, a liquid fund for short-term investment or an equity fund for long-term wealth creation. To access different types of investment instruments like corporate bonds, government securities, stocks, etc., you need a Demat Account. At HDFC Bank, you can open a Demat Account online, and as part of Festive Treats, you can do so in less than 10 minutes* at zero charges!

Set A Budget and Shop Smartly

Establish a clear budget while ensuring that you allocate your bonus wisely and avoid unnecessary expenditures. When you go for shopping be sure to take advantage of bank offers and discounts to get the best value for your purchases. Here is a list of offers that you can get with HDFC Bank:

Get 10% percent cashback or instant discount on your apparel and accessories shopping at top brands with HDFC Bank Credit Card and EasyEMI. The brands include:

  • US Polo Assn  

  • Stride  

  • Club A  

  • Megamart  

  • Arrow  

  • Flying Machine  

  • Calvin Klein  

  • Tommy Hilfiger 

  • Lee 

  • Wrangler 

  • Titan Online 

  • Fastrack 

  • Helios 

  • Titan World 

  •  Lifestyle

T&C apply.

  • Instantly save ₹4,000 with discount offer at Vijay Sales. 

  • Get an instant discount up to ₹3,000 on HDFC Bank Easy EMI transactions at Pepperfry.

Make the most of your Diwali bonus this festive season. Click here to learn more about the HDFC Bank Festive Treats! You can open a Savings and Demat Account at HDFC Bank even if you are not an existing customer. Click here to learn more.

​​​​​​​*Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. Interest rates are subject to change. Please check with your RM or closest bank branch for current interest rates.