The emerging development of sensing technology initiates innovative sensors achieving low-cost to facilitate practical realization. An interesting crush of the work is to propose a simple structural sensor and to analyze the different schemes of the metal coating by stimulated emission of Raman scattering (SERS) intensification. For the first time, we propose a simple geometrical photonic crystal fiber refractive index based sensor (PCF-RIBS) with three different Schemes A, B, and C, i.e., gold (A) layer-coated surface plasmon resonance (SPR) based D-type PCF-RIBS; Au with titanium-di-oxide (TiO2) layer-coated SPR D-type PCF-RIBS; and Au + TiO2 grating-coated localized surface plasmon resonance (LSPR) D-type PCF-RIBS. Characterizing the three different Schemes A, B, and C using finite element method simulation shows, a maximum wavelength sensitivity of 48,000 nm/RIU, 52,000 nm/RIU and 75,000 nm/RIU, respectively, for a wide range of analyte-refractive index from 1.33 to 1.45 and operates in the wavelength range from 500–2000 nm. Of all the Schemes, Scheme C is found to excite a relatively larger number of surface-plasmons. Eventually, it exhibits improved sensing performances compared to SPR based Schemes A and B. Consequently, it would turn out to be an appropriate candidate to detect a broad range of biological and chemical sample detection. © 2020 by the authors. Licensee MDPI, Basel, Switzerland.