India Markets closed

This Valentine, Be Different: 5 Financial Gift Ideas

Adhil Shetty

This Valentine, be different. These ideas would not only secure your loved one’s financial future but also inculcate healthy saving habits.

This Valentine, Be Different: 5 Financial Gift Ideas

It’s Valentine’s Day and if you still haven’t figured out the gift for your loved one, then this article is for you! Red roses, a romantic dinner, and a quick getaway trip would surely brighten up your partner. A beautifully wrapped gift along with a bouquet of red roses will make his/her day more memorable. However, if you really want to gift something which is long-lasting, increasingly beneficial and multiplies, here are a few choices to jump on. This may not only secure their financial future but also introduce them to healthy saving habits.

It is important to note that all the gifting ideas here apply for married couples, and a proper consent of your partner would be needed before you opt for any of these.

Have a look and take a quick call keeping your budget in mind.

Systematic Investment Plans:

Systematic Investment Plans (SIPs) is amongst the most popular and preferred investment tools for many. It requires a fixed amount to be invested every month in a predetermined bouquet of Mutual Funds or let your fund house do it for you. Once you start the SIP, your valentine can stay invested as long as they want to and once they want to stop it, they can let the accumulated money stay in the account and grow. A SIP can be started for an amount as low as Rs 500 a month. This can be a great Valentine Day gift if you want your loved one to create wealth to meet contingencies. Another feature that makes SIP a great gift is their easy accessibility. You can open an account online and track its growth as well. The fund can also be bought from online fund aggregator or directly through the fund house’s website.

Health Insurance

This can be a unique Valentine gift this year. By giving a Health Insurance as a gift, you would ensure her financial well-being during medical emergencies. With rising medical costs, this gift makes a lot of sense. Your valentine may be having a corporate health cover, so an individual health plan or a family floater will definitely provide a much-needed support for chronic illness. While going for this gift, it would be better to assess the coverage need, premium cost, hospitalisation expense etc.


Owning a property with your loved one could be a good move you can make this Valentine. You can opt for a joint Home Loan to buy a property with your spouse. This would not only help you in possessing your dream home but would also help you in tax saving. You can claim deductions for principal payment of Rs. 1.5 lakh and interest payment up to Rs. 2 lakh.

Bank Account And Deposit

There is a possibility that your partner/spouse has still not opened a bank deposit. You can help them by opening a bank account in their name with a small amount. This money can be further used in opening a term deposit that will earn interest and can be a source of income in times of need.


The appreciating nature of gold makes it a valued gift item. You can gift the yellow metal as a jewellery or in the form of ETF. Securing the physical gold is a difficult and cumbersome task, so investing in units of gold ETFs makes more sense. Investing in gold ETFs allow you to track actual god prices and do not come with any making charge.

By opting for above-mentioned gifts this valentine, you can ensure the financial well-being of your loved one. So be different and do different this Valentine! is a leading online marketplace in India that helps consumers compare and apply for Credit Card, Personal Loan, Home Loan, Car Loan, and insurance.

The post This Valentine, Be Different: 5 Financial Gift Ideas appeared first on BankBazaar - The Definitive Word on Personal Finance.